EFU Life AssuranceKAR:EFUL -1.32%65 Interest Coverage is 18.60 as of Mar. 2026, which is 61% below its 10-year median of 48.04. GuruFocus rates KAR:EFUL with a GF Score™ of 65/100 and a GF Value™ of ₨177.41 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 352 Insurance companies, EFU Life Assurance ranks better than 63.92% 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. EFU Life Assurance's
EBIT
for the
three
months ended in Mar. 2026 was ₨695 Mil. EFU Life Assurance's Interest Expense for the
three
months ended in Mar. 2026 was ₨-37 Mil.
EFU Life Assurance's interest coverage for the quarter that ended in Mar. 2026 was 18.60.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for EFU Life Assurance's Interest Coverage or its related term are showing as below:
KAR:EFUL'
s Interest Coverage Range Over the Past 10 Years
Min: 1.03 Med: 48.04 Max: 67.81
Current: 34.21
KAR:EFUL's Interest Coverage is ranked better than 63.92% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs KAR:EFUL: 34.21
EFU Life Assurance (KAR:EFUL) 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 .
EFU Life Assurance Interest Coverage Related Terms
EFU Life Assurance Interest Coverage Historical Data
* Premium members only.
The historical data trend for EFU Life Assurance'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:EFUL vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, EFU Life Assurance'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.
EFU Life Assurance Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU Life Assurance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where EFU Life Assurance'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.
EFU Life Assurance (KAR:EFUL) has a Interest Coverage of 18.60 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on EFU Life Assurance and its competitors. This is 61% below median its historical median of 48.04. Over the past decade, EFU Life Assurance's Interest Coverage has ranged from 1.03 to 67.81. According to the industry distribution chart, EFU Life Assurance ranks #127 out of 352 companies in the Insurance industry, placing it in the top 36.1%.
Is EFU Life Assurance's Interest Coverage too high?
EFU Life Assurance's current Interest Coverage of 18.60 is 61% below median its 10-year median of 48.04. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 67.81. The Insurance industry median Interest Coverage is 16.25. EFU Life Assurance's value of 18.60 is 14.5% above this industry median. Based on the distribution chart, EFU Life Assurance ranks #127 out of 352 companies in the Insurance industry, which is above the industry midpoint. Overall, EFU Life Assurance has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #127 out of 352 companies for Interest Coverage. This puts EFU Life Assurance in the upper half of its industry. The industry median Interest Coverage is 16.25. EFU Life Assurance's value of 18.60 is 14.5% above this benchmark. Historically, EFU Life Assurance's own Interest Coverage has ranged from 1.03 to 67.81 over the past decade. While the company's 10-year median is 48.04 vs. the industry median of 16.25, EFU Life Assurance 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. EFU Life Assurance's current Interest Coverage of 18.60 is 14.5% 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 EFU Life Assurance 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. EFU Life Assurance's current Interest Coverage is 18.60, which is 61% below median its own 10-year median of 48.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EFU Life Assurance stock overvalued right now?
Based on GuruFocus' analysis, EFU Life Assurance (KAR:EFUL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₨177.41, compared to a current price of ₨157.38 — trading 11.3% below its estimated fair value. The current Interest Coverage is 18.60, which is 61% below median its 10-year median of 48.04 and 14.5% above the Insurance industry median of 16.25. EFU Life Assurance's overall GF Score™ is 65/100 with 7 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 EFU Life Assurance (KAR:EFUL), the current Interest Coverage is 18.60 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 EFU Life Assurance (KAR:EFUL) Overvalued in 2026?
Based on GuruFocus' analysis, EFU Life Assurance stock appears to be undervalued.
The current stock price of ₨157.38 is trading 11.3% below its estimated GF Value™ of ₨177.41.
GuruFocus considers EFU Life Assurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUL:
Interest Coverage: 18.60 (61% below median its 10-year median of 48.04)
GF Value™: ₨177.41 vs. price of ₨157.38 (11.3% below fair value)
Industry Position: 14.5% above the Insurance median (#127 of 352)
No single metric tells the full story. See the KAR:EFUL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EFU Life Assurance Ltd is an insurance company that operates as a life and health insurer and a family takaful operator, positioning itself as a provider of comprehensive protection, savings, wellbeing, and retirement solutions. Its products and services include life insurance, savings and investment plans, health and wellness solutions, retirement and pension offerings, and Shariah-compliant takaful products, catering to individuals, families, and corporate clients. The company operates across key business segments, including individual life, group life, health, and family takaful, along with digital and inclusive insurance initiatives.
65GF Score
Get the complete analysis for KAR:EFUL
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