PVI HoldingsHSTC:PVI 77 Interest Coverage is 85.83 as of Mar. 2026, which is 28% above its 10-year median of 66.93. GuruFocus rates HSTC:PVI with a GF Score™ of 77/100 and a GF Value™ of ₫76,339.90 (Fairly Valued). The stock has 4 warning signs investors should review. Among 353 Insurance companies, PVI Holdings ranks better than 64.87% 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. PVI Holdings's
EBIT
for the
three
months ended in Mar. 2026 was ₫722,743 Mil. PVI Holdings's Interest Expense for the
three
months ended in Mar. 2026 was ₫-8,421 Mil.
PVI Holdings's interest coverage for the quarter that ended in Mar. 2026 was 85.83.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for PVI Holdings's Interest Coverage or its related term are showing as below:
HSTC:PVI'
s Interest Coverage Range Over the Past 10 Years
Min: 30.82 Med: 66.93 Max: 2631.96
Current: 35.66
HSTC:PVI's Interest Coverage is ranked better than 64.87% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs HSTC:PVI: 35.66
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 .
PVI Holdings Interest Coverage Related Terms
PVI Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for PVI Holdings'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.
HSTC:PVI vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, PVI 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.
PVI Holdings Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, PVI Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PVI 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.
PVI Holdings (HSTC:PVI) has a Interest Coverage of 85.83 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PVI Holdings and its competitors. This is 28% above median its historical median of 66.93. Over the past decade, PVI Holdings' Interest Coverage has ranged from 30.82 to 2,631.96. According to the industry distribution chart, PVI Holdings ranks #124 out of 353 companies in the Insurance industry, placing it in the top 35.1%.
Is PVI Holdings' Interest Coverage too high?
PVI Holdings' current Interest Coverage of 85.83 is 28% above median its 10-year median of 66.93. Over the past 10 years, this metric has ranged from a low of 30.82 to a high of 2,631.96. The Insurance industry median Interest Coverage is 16.26. PVI Holdings' value of 85.83 is 427.9% above this industry median. Based on the distribution chart, PVI Holdings ranks #124 out of 353 companies in the Insurance industry, which is above the industry midpoint. Overall, PVI Holdings has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PVI Holdings' Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, PVI Holdings ranks #124 out of 353 companies for Interest Coverage. This puts PVI Holdings in the upper half of its industry. The industry median Interest Coverage is 16.26. PVI Holdings' value of 85.83 is 427.9% above this benchmark. Historically, PVI Holdings' own Interest Coverage has ranged from 30.82 to 2,631.96 over the past decade. While the company's 10-year median is 66.93 vs. the industry median of 16.26, PVI Holdings has consistently been above 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. PVI Holdings's current Interest Coverage of 85.83 is 427.9% above 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 PVI Holdings 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. PVI Holdings's current Interest Coverage is 85.83, which is 28% above median its own 10-year median of 66.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PVI Holdings stock overvalued right now?
Based on GuruFocus' analysis, PVI Holdings (HSTC:PVI) is currently considered Fairly Valued. The stock's GF Value™ is ₫76,339.90, compared to a current price of ₫74,300.00 — trading 2.7% below its estimated fair value. The current Interest Coverage is 85.83, which is 28% above median its 10-year median of 66.93 and 427.9% above the Insurance industry median of 16.26. PVI Holdings' overall GF Score™ is 77/100 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 PVI Holdings (HSTC:PVI), the current Interest Coverage is 85.83 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.
Is PVI Holdings (HSTC:PVI) Overvalued in 2026?
Based on GuruFocus' analysis, PVI Holdings stock appears to be undervalued.
The current stock price of ₫74,300.00 is trading 2.7% below its estimated GF Value™ of ₫76,339.90.
GuruFocus considers PVI Holdings to be Fairly Valued.
Key valuation signals for HSTC:PVI:
Interest Coverage: 85.83 (28% above median its 10-year median of 66.93)
GF Value™: ₫76,339.90 vs. price of ₫74,300.00 (2.7% below fair value)
Industry Position: 427.9% above the Insurance median (#124 of 353)
No single metric tells the full story. See the HSTC:PVI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PVI Holdings is a Vietnam-based investment holding company. Through its subsidiaries, the company is engaged in the Non-life Insurance, Reinsurance and Asset Management.
77GF Score
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Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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