Swiss Life Holding AGFRA:SLW +1.00%77 Interest Coverage is 6.35 as of Dec. 2025, which is 6% above its 10-year median of 6.00. GuruFocus rates FRA:SLW with a GF Score™ of 77/100 and a GF Value™ of €854.49 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 353 Insurance companies, Swiss Life Holding AG ranks worse than 73.37% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Swiss Life Holding AG's
EBIT
for the
six
months ended in Dec. 2025 was €1,075 Mil. Swiss Life Holding AG's Interest Expense for the
six
months ended in Dec. 2025 was €-169 Mil.
Swiss Life Holding AG's interest coverage for the quarter that ended in Dec. 2025 was 6.35.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Swiss Life Holding AG's Interest Coverage or its related term are showing as below:
FRA:SLW'
s Interest Coverage Range Over the Past 10 Years
Min: 4.28 Med: 6 Max: 8.84
Current: 6.01
FRA:SLW's Interest Coverage is ranked worse than 73.37% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs FRA:SLW: 6.01
Swiss Life Holding AG (FRA:SLW) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Swiss Life Holding AG Interest Coverage Related Terms
Swiss Life Holding AG Interest Coverage Historical Data
* Premium members only.
The historical data trend for Swiss Life Holding AG's Interest Coverage can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:SLW vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Swiss Life Holding AG's Interest Coverage, along with its competitors' market caps and Interest Coverage data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Swiss Life Holding AG Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's Interest Coverage falls into.
Swiss Life Holding AG Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Swiss Life Holding AG (FRA:SLW) has a Interest Coverage of 6.35 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Swiss Life Holding AG and its competitors. This is near median its historical median of 6.00. Over the past decade, Swiss Life Holding AG's Interest Coverage has ranged from 4.28 to 8.84. According to the industry distribution chart, Swiss Life Holding AG ranks #259 out of 353 companies in the Insurance industry, placing it in the top 73.4%.
Is Swiss Life Holding AG's Interest Coverage too high?
Swiss Life Holding AG's current Interest Coverage of 6.35 is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 4.28 to a high of 8.84. The Insurance industry median Interest Coverage is 16.26. Swiss Life Holding AG's value of 6.35 is 60.9% below this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #259 out of 353 companies in the Insurance industry, which is below the industry midpoint. Overall, Swiss Life Holding AG has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #259 out of 353 companies for Interest Coverage. This places Swiss Life Holding AG in the lower half of its industry. The industry median Interest Coverage is 16.26. Swiss Life Holding AG's value of 6.35 is 60.9% below this benchmark. Historically, Swiss Life Holding AG's own Interest Coverage has ranged from 4.28 to 8.84 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 16.26, Swiss Life Holding AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.26, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Swiss Life Holding AG's current Interest Coverage of 6.35 is 60.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Swiss Life Holding AG and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swiss Life Holding AG's current Interest Coverage is 6.35, which is near median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swiss Life Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Swiss Life Holding AG (FRA:SLW) is currently considered Modestly Overvalued. The stock's GF Value™ is €854.49, compared to a current price of €953.40 — trading 11.6% above its estimated fair value. The current Interest Coverage is 6.35, which is near median its 10-year median of 6.00 and 60.9% below the Insurance industry median of 16.26. Swiss Life Holding AG's overall GF Score™ is 77/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Swiss Life Holding AG (FRA:SLW), the current Interest Coverage is 6.35 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Swiss Life Holding AG (FRA:SLW) Overvalued in 2026?
Based on GuruFocus' analysis, Swiss Life Holding AG stock appears to be overvalued.
The current stock price of €953.40 is trading 11.6% above its estimated GF Value™ of €854.49.
GuruFocus considers Swiss Life Holding AG to be Modestly Overvalued.
Key valuation signals for FRA:SLW:
Interest Coverage: 6.35 (near median its 10-year median of 6.00)
GF Value™: €854.49 vs. price of €953.40 (11.6% above fair value)
Industry Position: 60.9% below the Insurance median (#259 of 353)
No single metric tells the full story. See the FRA:SLW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swiss Life is predominantly a life and long-term savings company that generates the main share of its revenue and earnings from its domestic market of Switzerland. The company also operates in France, Germany, and a few smaller but wealthy European countries. The company has an asset manager as well. Swiss Life has three main sources of income that vary in significance by geography. Savings income relates to spread-based earnings, the risk result relates to a margin on insurance products, and the fee result relates to fees from asset management, financial advice, and unit-linked sales. The fee result has been growing in importance over time.
77GF Score
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