Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1) Interest Coverage: 34.38 (As of Dec. 2025) — 95% Below Median


What is Vivir Seguros Compania de Seguros de Vida Interest Coverage?

Vivir Seguros Compania de Seguros de Vida LIM:VIVSEGC1 Interest Coverage is 34.38 as of Dec. 2025, which is 95% below its 10-year median of 723.59. The stock has 5 warning signs investors should review.

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. Vivir Seguros Compania de Seguros de Vida's EBIT for the six months ended in Dec. 2025 was S/.9.4 Mil. Vivir Seguros Compania de Seguros de Vida's Interest Expense for the six months ended in Dec. 2025 was S/.-0.3 Mil. Vivir Seguros Compania de Seguros de Vida's interest coverage for the quarter that ended in Dec. 2025 was 34.38. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for Vivir Seguros Compania de Seguros de Vida's Interest Coverage or its related term are showing as below:

LIM:VIVSEGC1' s Interest Coverage Range Over the Past 10 Years
Min: 2.25   Med: 723.59   Max: No Debt
Current: 34.38

LIM:VIVSEGC1's Interest Coverage is not ranked
in the Insurance industry.
Industry Median: 16.145 vs LIM:VIVSEGC1: 34.38

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Vivir Seguros Compania de Seguros de Vida  (LIM:VIVSEGC1) 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 .

Vivir Seguros Compania de Seguros de Vida Interest Coverage Related Terms

Vivir Seguros Compania de Seguros de Vida Interest Coverage Historical Data

* Premium members only.

The historical data trend for Vivir Seguros Compania de Seguros de Vida'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.

Vivir Seguros Compania de Seguros de Vida Interest Coverage Chart

Vivir Seguros Compania de Seguros de Vida Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial Premium Member Only 1,248.08 799.87 358.29 723.59 34.38

Vivir Seguros Compania de Seguros de Vida Semi-Annual Data
Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage Get a 7-Day Free Trial Premium Member Only 1,248.08 799.87 358.29 723.59 34.38

LIM:VIVSEGC1 vs : Interest Coverage Comparison

For the Insurance - Life subindustry, Vivir Seguros Compania de Seguros de Vida'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.

Vivir Seguros Compania de Seguros de Vida Interest Coverage vs Insurance Industry

For the Insurance industry and Financial Services sector, Vivir Seguros Compania de Seguros de Vida's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Vivir Seguros Compania de Seguros de Vida's Interest Coverage falls into.


Vivir Seguros Compania de Seguros de Vida 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:

If Interest Expense is negative and EBIT is positive, then

Interest Coverage=-1* EBIT /Interest Expense

Else if Interest Expense is negative and EBIT is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Vivir Seguros Compania de Seguros de Vida's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, Vivir Seguros Compania de Seguros de Vida's Interest Expense was S/.-0.3 Mil. Its EBIT was S/.9.4 Mil. And its Long-Term Debt & Capital Lease Obligation was S/.0.8 Mil.

Interest Coverage=-1* EBIT (A: Dec. 2025 )/Interest Expense (A: Dec. 2025 )
=-1*9.42/-0.274
=34.38

Vivir Seguros Compania de Seguros de Vida's Interest Coverage for the quarter that ended in Dec. 2025 is calculated as

Here, for the six months ended in Dec. 2025, Vivir Seguros Compania de Seguros de Vida's Interest Expense was S/.-0.3 Mil. Its EBIT was S/.9.4 Mil. And its Long-Term Debt & Capital Lease Obligation was S/.0.8 Mil.

Interest Coverage=-1* EBIT (Q: Dec. 2025 )/Interest Expense (Q: Dec. 2025 )
=-1*9.42/-0.274
=34.38

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 34.38 mean?
Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1) has a Interest Coverage of 34.38 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Vivir Seguros Compania de Seguros de Vida and its competitors. This is 95% below median its historical median of 723.59. Over the past decade, Vivir Seguros Compania de Seguros de Vida's Interest Coverage has ranged from 2.25 to 10,000.00.
Is Vivir Seguros Compania de Seguros de Vida's Interest Coverage too high?
Vivir Seguros Compania de Seguros de Vida's current Interest Coverage of 34.38 is 95% below median its 10-year median of 723.59. Over the past 10 years, this metric has ranged from a low of 2.25 to a high of 10,000.00. The Insurance industry median Interest Coverage is 16.15. Vivir Seguros Compania de Seguros de Vida's value of 34.38 is 112.9% above this industry median.
How does Vivir Seguros Compania de Seguros de Vida's Interest Coverage compare to ?
Vivir Seguros Compania de Seguros de Vida's Interest Coverage of 34.38 can be compared against companies in the Insurance industry. The industry median Interest Coverage is 16.15. Vivir Seguros Compania de Seguros de Vida's value of 34.38 is 112.9% above this benchmark. Historically, Vivir Seguros Compania de Seguros de Vida's own Interest Coverage has ranged from 2.25 to 10,000.00 over the past decade. While the company's 10-year median is 723.59 vs. the industry median of 16.15, Vivir Seguros Compania de Seguros de Vida 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 16.15, 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. Vivir Seguros Compania de Seguros de Vida's current Interest Coverage of 34.38 is 112.9% 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 Vivir Seguros Compania de Seguros de Vida and its competitors. For the Insurance industry, the median Interest Coverage is 16.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vivir Seguros Compania de Seguros de Vida's current Interest Coverage is 34.38, which is 95% below median its own 10-year median of 723.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vivir Seguros Compania de Seguros de Vida stock overvalued right now?
Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1) has a current Interest Coverage of 34.38. The current Interest Coverage is 34.38, which is 95% below median its 10-year median of 723.59 and 112.9% above the Insurance industry median of 16.15. 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 Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1), the current Interest Coverage is 34.38 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.

Vivir Seguros Compania de Seguros de Vida Business Description

Comparable Companies
Address Avenue Apoquindo 6750, 10th Floor - Las Condes, Santiago, PER
Vivir Seguros Compania de Seguros de Vida SA is a life insurance company. The company is engaged in offering life insurance products including personal accidents, dental insurance, health insurance and life.