Adamjee Insurance CoKAR:AICL -1.81%71 Interest Coverage is 478.95 as of Mar. 2026, which is 19% above its 10-year median of 401.77. GuruFocus rates KAR:AICL with a GF Score™ of 71/100 and a GF Value™ of ₨61.45 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 352 Insurance companies, Adamjee Insurance Co ranks better than 89.77% 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. Adamjee Insurance Co's
EBIT
for the
three
months ended in Mar. 2026 was ₨2,042 Mil. Adamjee Insurance Co's Interest Expense for the
three
months ended in Mar. 2026 was ₨-4 Mil.
Adamjee Insurance Co's interest coverage for the quarter that ended in Mar. 2026 was 478.95.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Adamjee Insurance Co Ltd has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Adamjee Insurance Co's Interest Coverage or its related term are showing as below:
KAR:AICL'
s Interest Coverage Range Over the Past 10 Years
Min: 80.24 Med: 401.77 Max: 1071.95
Current: 634.46
KAR:AICL's Interest Coverage is ranked better than 89.77% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs KAR:AICL: 634.46
Adamjee Insurance Co (KAR:AICL) 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 .
Adamjee Insurance Co Interest Coverage Related Terms
Adamjee Insurance Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for Adamjee Insurance Co'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.
KAR:AICL vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Adamjee Insurance Co'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.
Adamjee Insurance Co Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Adamjee Insurance Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Adamjee Insurance Co's Interest Coverage falls into.
Adamjee Insurance Co 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.
Adamjee Insurance Co (KAR:AICL) has a Interest Coverage of 478.95 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Adamjee Insurance Co and its competitors. This is 19% above median its historical median of 401.77. Over the past decade, Adamjee Insurance Co's Interest Coverage has ranged from 80.24 to 1,071.95. According to the industry distribution chart, Adamjee Insurance Co ranks #36 out of 352 companies in the Insurance industry, placing it in the top 10.2%.
Is Adamjee Insurance Co's Interest Coverage too high?
Adamjee Insurance Co's current Interest Coverage of 478.95 is 19% above median its 10-year median of 401.77. Over the past 10 years, this metric has ranged from a low of 80.24 to a high of 1,071.95. The Insurance industry median Interest Coverage is 16.25. Adamjee Insurance Co's value of 478.95 is 2848.3% above this industry median. Based on the distribution chart, Adamjee Insurance Co ranks #36 out of 352 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Adamjee Insurance Co has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Adamjee Insurance Co's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Adamjee Insurance Co ranks #36 out of 352 companies for Interest Coverage. This places Adamjee Insurance Co in the top 10% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.25. Adamjee Insurance Co's value of 478.95 is 2848.3% above this benchmark. Historically, Adamjee Insurance Co's own Interest Coverage has ranged from 80.24 to 1,071.95 over the past decade. While the company's 10-year median is 401.77 vs. the industry median of 16.25, Adamjee Insurance Co 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 16.25, 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. Adamjee Insurance Co's current Interest Coverage of 478.95 is 2848.3% 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 Adamjee Insurance Co 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. Adamjee Insurance Co's current Interest Coverage is 478.95, which is 19% above median its own 10-year median of 401.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adamjee Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Adamjee Insurance Co (KAR:AICL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨61.45, compared to a current price of ₨81.41 — trading 32.5% above its estimated fair value. The current Interest Coverage is 478.95, which is 19% above median its 10-year median of 401.77 and 2848.3% above the Insurance industry median of 16.25. Adamjee Insurance Co's overall GF Score™ is 71/100 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 Adamjee Insurance Co (KAR:AICL), the current Interest Coverage is 478.95 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 Adamjee Insurance Co (KAR:AICL) Overvalued in 2026?
Based on GuruFocus' analysis, Adamjee Insurance Co stock appears to be overvalued.
The current stock price of ₨81.41 is trading 32.5% above its estimated GF Value™ of ₨61.45.
GuruFocus considers Adamjee Insurance Co to be Significantly Overvalued.
Key valuation signals for KAR:AICL:
Interest Coverage: 478.95 (19% above median its 10-year median of 401.77)
GF Value™: ₨61.45 vs. price of ₨81.41 (32.5% above fair value)
Industry Position: 2848.3% above the Insurance median (#36 of 352)
No single metric tells the full story. See the KAR:AICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Adamjee Insurance Co Ltd is an insurance company engaged in providing insurance to various categories of businesses, such as Fire and Property, Marine Aviation and Transport, Motor, Accident and Health, and Miscellaneous Insurance. Some of the company's high-risk-value projects include the risk-coverage provision to Petrochemical Factories and Industrial Risk projects. It has five primary business segments for reporting purposes, namely Fire & property, marine aviation & transport, motor, accident & health, and miscellaneous. The company generates the majority of its revenue from the Motor segment.
71GF Score
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