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. Unipol Assicurazioni SpA's
EBIT
for the
six
months ended in Dec. 2025 was €0 Mil. Unipol Assicurazioni SpA's Interest Expense for the
six
months ended in Dec. 2025 was €-593 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 Unipol Assicurazioni SpA's Interest Coverage or its related term are showing as below:
HAM:UIPN's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.26 * 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 .
Unipol Assicurazioni SpA Interest Coverage Related Terms
Unipol Assicurazioni SpA 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.
HAM:UIPN vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Unipol Assicurazioni SpA'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.
Unipol Assicurazioni SpA Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Unipol Assicurazioni SpA's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Unipol Assicurazioni SpA'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.
What does a Interest Coverage of 0 (At Loss) mean?
Unipol Assicurazioni SpA (HAM:UIPN) has a Interest Coverage of 0 (At Loss) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Unipol Assicurazioni SpA and its competitors. According to the industry distribution chart, Unipol Assicurazioni SpA ranks #999999 out of 353 companies in the Insurance industry.
Is Unipol Assicurazioni SpA's Interest Coverage too high?
Unipol Assicurazioni SpA's current Interest Coverage is 0 (At Loss). Based on the distribution chart, Unipol Assicurazioni SpA ranks #999999 out of 353 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Unipol Assicurazioni SpA has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unipol Assicurazioni SpA's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Unipol Assicurazioni SpA ranks #999999 out of 353 companies for Interest Coverage. This places Unipol Assicurazioni SpA in the lower half of its industry. The industry median Interest Coverage is 16.26. 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. 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 Unipol Assicurazioni SpA 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. Unipol Assicurazioni SpA'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 Unipol Assicurazioni SpA stock overvalued right now?
Based on GuruFocus' analysis, Unipol Assicurazioni SpA (HAM:UIPN) is currently considered Significantly Overvalued. The stock's GF Value™ is €12.61, compared to a current price of €23.69 — trading 87.9% above its estimated fair value. The current Interest Coverage is 0 (At Loss). Unipol Assicurazioni SpA's overall GF Score™ is 36/100 with 4 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 Unipol Assicurazioni SpA (HAM:UIPN), the current Interest Coverage is 0 (At Loss) 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 Unipol Assicurazioni SpA (HAM:UIPN) Overvalued in 2026?
Based on GuruFocus' analysis, Unipol Assicurazioni SpA stock appears to be overvalued.
The current stock price of €23.69 is trading 87.9% above its estimated GF Value™ of €12.61.
GuruFocus considers Unipol Assicurazioni SpA to be Significantly Overvalued.
Key valuation signals for HAM:UIPN:
Interest Coverage: 0 (At Loss)
GF Value™: €12.61 vs. price of €23.69 (87.9% above fair value)
No single metric tells the full story. See the HAM:UIPN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unipol Assicurazioni SpA is engaged in providing insurance and banking products in Italy. It offers life insurance, non-life insurance, car insurance, Reinsurance, etc.
36GF Score
Get the complete analysis for HAM:UIPN
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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