Neptune Insurance HoldingsFRA:SN4 -4.17%17 Interest Coverage is 3.81 as of Mar. 2026, which is 3% below its 10-year median of 3.91. GuruFocus rates FRA:SN4 with a GF Score™ of 17/100. The stock has 3 warning signs investors should review. Among 352 Insurance companies, Neptune Insurance Holdings ranks worse than 84.38% 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
Operating Income
by its Interest Expense. Neptune Insurance Holdings's
Operating Income
for the
three
months ended in Mar. 2026 was €11.6 Mil. Neptune Insurance Holdings's Interest Expense for the
three
months ended in Mar. 2026 was €-3.1 Mil.
Neptune Insurance Holdings's interest coverage for the quarter that ended in Mar. 2026 was 3.81.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Neptune Insurance Holdings's Interest Coverage or its related term are showing as below:
FRA:SN4'
s Interest Coverage Range Over the Past 10 Years
Min: 2.13 Med: 3.91 Max: 4.38
Current: 3.83
FRA:SN4's Interest Coverage is ranked worse than 84.38% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs FRA:SN4: 3.83
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 .
Neptune Insurance Holdings Interest Coverage Related Terms
Neptune Insurance Holdings Interest Coverage Historical Data
* 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:SN4 vs CRVL, ARX, BWIN: Interest Coverage Comparison
For the Insurance Brokers subindustry, Neptune Insurance Holdings'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.
Neptune Insurance Holdings Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Neptune Insurance Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Neptune Insurance Holdings's Interest Coverage falls into.
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.
Neptune Insurance Holdings (FRA:SN4) has a Interest Coverage of 3.81 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Neptune Insurance Holdings and its competitors. This is near median its historical median of 3.91. Over the past decade, Neptune Insurance Holdings' Interest Coverage has ranged from 2.13 to 4.38. According to the industry distribution chart, Neptune Insurance Holdings ranks #297 out of 352 companies in the Insurance industry, placing it in the top 84.4%.
Is Neptune Insurance Holdings' Interest Coverage too high?
Neptune Insurance Holdings' current Interest Coverage of 3.81 is near median its 10-year median of 3.91. Over the past 10 years, this metric has ranged from a low of 2.13 to a high of 4.38. The Insurance industry median Interest Coverage is 16.25. Neptune Insurance Holdings' value of 3.81 is 76.5% below this industry median. Based on the distribution chart, Neptune Insurance Holdings ranks #297 out of 352 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Neptune Insurance Holdings has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Neptune Insurance Holdings' Interest Coverage compare to CRVL and ARX?
According to the Insurance industry distribution chart, Neptune Insurance Holdings ranks #297 out of 352 companies for Interest Coverage. This places Neptune Insurance Holdings in the lower half of its industry. The industry median Interest Coverage is 16.25. Neptune Insurance Holdings' value of 3.81 is 76.5% below this benchmark. Historically, Neptune Insurance Holdings' own Interest Coverage has ranged from 2.13 to 4.38 over the past decade. While the company's 10-year median is 3.91 vs. the industry median of 16.25, Neptune Insurance Holdings 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 16.25, based on 352 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. Neptune Insurance Holdings's current Interest Coverage of 3.81 is 76.5% 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 Neptune Insurance Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Neptune Insurance Holdings's current Interest Coverage is 3.81, which is near median its own 10-year median of 3.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neptune Insurance Holdings stock overvalued right now?
Neptune Insurance Holdings (FRA:SN4) has a current Interest Coverage of 3.81. The current Interest Coverage is 3.81, which is near median its 10-year median of 3.91 and 76.5% below the Insurance industry median of 16.25. Neptune Insurance Holdings' overall GF Score™ is 17/100 with 3 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 Neptune Insurance Holdings (FRA:SN4), the current Interest Coverage is 3.81 as of Mar. 2026. 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.
Neptune Insurance Holdings Inc is a high-growth, profitable, data-driven MGA that offers residential and commercial insurance products, including primary flood insurance, excess flood insurance and parametric earthquake insurance, distributed through a nationwide network of agencies in the United States. The company underwrites and administers the issuance of insurance policies on behalf of a diverse panel of insurance and reinsurance companies and does not take any balance sheet insurance risk or have claims handling responsibility relating to the policies it sells.
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