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. Hallmark Financial Services's
EBIT
for the
three
months ended in Sep. 2023 was $-14.2 Mil. Hallmark Financial Services's Interest Expense for the
three
months ended in Sep. 2023 was $-2.0 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Hallmark Financial Services's Interest Coverage or its related term are showing as below:
HALLQ's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.23 * Ranked among companies with meaningful Interest Coverage only.
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 .
Hallmark Financial Services Interest Coverage Related Terms
Hallmark Financial Services 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.
HALLQ vs DTI, RES, PFIE: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Hallmark Financial Services'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.
Hallmark Financial Services Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Hallmark Financial Services's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Hallmark Financial Services'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:
Hallmark Financial Services did not have earnings to cover the 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.
What does a Interest Coverage of 0 (At Loss) mean?
Hallmark Financial Services (HALLQ) has a Interest Coverage of 0 (At Loss) as of Sep. 2023. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Hallmark Financial Services and its competitors.
Is Hallmark Financial Services' Interest Coverage too high?
Hallmark Financial Services' current Interest Coverage is 0 (At Loss). Overall, Hallmark Financial Services has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Hallmark Financial Services' Interest Coverage compare to DTI and RES?
Hallmark Financial Services' Interest Coverage of 0 (At Loss) can be compared against companies in the Insurance industry. The industry median Interest Coverage is 16.23. 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 16.23, based on 351 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. 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 Hallmark Financial Services and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hallmark Financial Services's current Interest Coverage is 0 (At Loss). However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hallmark Financial Services stock overvalued right now?
Hallmark Financial Services (HALLQ) has a current Interest Coverage of 0 (At Loss). The current Interest Coverage is 0 (At Loss). Hallmark Financial Services' overall GF Score™ is 16/100. 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 Hallmark Financial Services (HALLQ), the current Interest Coverage is 0 (At Loss) as of Sep. 2023. 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.
Hallmark Financial Services Inc is an insurance holding company, which is engaged in the sale of property/casualty insurance products to businesses and individuals. Its business involves marketing, distributing, underwriting, and servicing insurance products, as well as providing other insurance-related services. The company operates in segments such as Standard Commercial Segment, Specialty Commercial Segment, and Personal Segment. Geographically, it operates through the region of United States and derives a majority of its revenue from Specialty Commercial Segment, which includes Commercial Auto business unit, E&S Casualty business unit, E&S Property business unit, Professional Liability business unit, and Aerospace & Programs business unit.
16GF Score
Get the complete analysis for HALLQ
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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