Vienna Insurance Group AGLTS:0MZX -0.69%76 Interest Coverage is 15.28 as of Dec. 2025, which is 166% above its 10-year median of 5.75. GuruFocus rates LTS:0MZX with a GF Score™ of 76/100 and a GF Value™ of €38.72 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 353 Insurance companies, Vienna Insurance Group AG ranks worse than 52.97% 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. Vienna Insurance Group AG's
EBIT
for the
six
months ended in Dec. 2025 was €674 Mil. Vienna Insurance Group AG's Interest Expense for the
six
months ended in Dec. 2025 was €-44 Mil.
Vienna Insurance Group AG's interest coverage for the quarter that ended in Dec. 2025 was 15.28.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Vienna Insurance Group AG's Interest Coverage or its related term are showing as below:
LTS:0MZX'
s Interest Coverage Range Over the Past 10 Years
Min: 4.55 Med: 5.75 Max: 14.67
Current: 14.67
LTS:0MZX's Interest Coverage is ranked worse than 52.97% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs LTS:0MZX: 14.67
Vienna Insurance Group AG (LTS:0MZX) 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 .
Vienna Insurance Group AG Interest Coverage Related Terms
Vienna Insurance Group AG 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.
LTS:0MZX vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Vienna Insurance Group AG'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.
Vienna Insurance Group AG Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Vienna Insurance Group AG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Vienna Insurance Group AG's Interest Coverage falls into.
Vienna Insurance Group AG 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.
Vienna Insurance Group AG (LTS:0MZX) has a Interest Coverage of 15.28 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Vienna Insurance Group AG and its competitors. This is 166% above median its historical median of 5.75. Over the past decade, Vienna Insurance Group AG's Interest Coverage has ranged from 4.55 to 14.67. According to the industry distribution chart, Vienna Insurance Group AG ranks #187 out of 353 companies in the Insurance industry, placing it in the top 53%.
Is Vienna Insurance Group AG's Interest Coverage too high?
Vienna Insurance Group AG's current Interest Coverage of 15.28 is 166% above median its 10-year median of 5.75. Over the past 10 years, this metric has ranged from a low of 4.55 to a high of 14.67. The Insurance industry median Interest Coverage is 16.26. Vienna Insurance Group AG's value of 15.28 is 6% below this industry median. Based on the distribution chart, Vienna Insurance Group AG ranks #187 out of 353 companies in the Insurance industry, which is below the industry midpoint. Overall, Vienna Insurance Group AG has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vienna Insurance Group AG's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #187 out of 353 companies for Interest Coverage. This places Vienna Insurance Group AG in the lower half of its industry. The industry median Interest Coverage is 16.26. Vienna Insurance Group AG's value of 15.28 is 6% below this benchmark. Historically, Vienna Insurance Group AG's own Interest Coverage has ranged from 4.55 to 14.67 over the past decade. While the company's 10-year median is 5.75 vs. the industry median of 16.26, Vienna Insurance Group AG has consistently been below 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. Vienna Insurance Group AG's current Interest Coverage of 15.28 is 6% below 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 Vienna Insurance Group AG 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. Vienna Insurance Group AG's current Interest Coverage is 15.28, which is 166% above median its own 10-year median of 5.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vienna Insurance Group AG stock overvalued right now?
Based on GuruFocus' analysis, Vienna Insurance Group AG (LTS:0MZX) is currently considered Significantly Overvalued. The stock's GF Value™ is €38.72, compared to a current price of €64.95 — trading 67.7% above its estimated fair value. The current Interest Coverage is 15.28, which is 166% above median its 10-year median of 5.75 and 6% below the Insurance industry median of 16.26. Vienna Insurance Group AG's overall GF Score™ is 76/100 with 2 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 Vienna Insurance Group AG (LTS:0MZX), the current Interest Coverage is 15.28 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 Vienna Insurance Group AG (LTS:0MZX) Overvalued in 2026?
Based on GuruFocus' analysis, Vienna Insurance Group AG stock appears to be overvalued.
The current stock price of €64.95 is trading 67.7% above its estimated GF Value™ of €38.72.
GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.
Key valuation signals for LTS:0MZX:
Interest Coverage: 15.28 (166% above median its 10-year median of 5.75)
GF Value™: €38.72 vs. price of €64.95 (67.7% above fair value)
Industry Position: 6% below the Insurance median (#187 of 353)
No single metric tells the full story. See the LTS:0MZX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vienna Insurance Group AG is a diversified insurance company that offers property and casualty, life, and health insurance products. The company maintains its goal of consolidating market leadership in Austria while taking advantage of the growth potential in Central and Eastern Europe. The company generates the majority of its revenue in Austria, followed by the Czech Republic and Poland.
76GF Score
Get the complete analysis for LTS:0MZX
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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