Tokio Marine HoldingsMEX:8766N 52 Interest Coverage is 55.35 as of Dec. 2025, which is 70% above its 10-year median of 32.65. GuruFocus rates MEX:8766N with a GF Score™ of 52/100 and a GF Value™ of MXN661.31 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 353 Insurance companies, Tokio Marine Holdings ranks better than 73.65% 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. Tokio Marine Holdings's
EBIT
for the
three
months ended in Dec. 2025 was MXN37,050 Mil. Tokio Marine Holdings's Interest Expense for the
three
months ended in Dec. 2025 was MXN-669 Mil.
Tokio Marine Holdings's interest coverage for the quarter that ended in Dec. 2025 was 55.35.
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. Tokio Marine Holdings Inc has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Tokio Marine Holdings's Interest Coverage or its related term are showing as below:
MEX:8766N'
s Interest Coverage Range Over the Past 10 Years
Min: 19.7 Med: 32.65 Max: 67
Current: 59.79
MEX:8766N's Interest Coverage is ranked better than 73.65% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs MEX:8766N: 59.79
Tokio Marine Holdings (MEX:8766N) 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 .
Tokio Marine Holdings Interest Coverage Related Terms
Tokio Marine Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Tokio Marine 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.
MEX:8766N vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Tokio Marine 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.
Tokio Marine Holdings Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Tokio Marine Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Tokio Marine Holdings's Interest Coverage falls into.
Tokio Marine Holdings 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.
Tokio Marine Holdings (MEX:8766N) has a Interest Coverage of 55.35 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Tokio Marine Holdings and its competitors. This is 70% above median its historical median of 32.65. Over the past decade, Tokio Marine Holdings' Interest Coverage has ranged from 19.70 to 67.00. According to the industry distribution chart, Tokio Marine Holdings ranks #93 out of 353 companies in the Insurance industry, placing it in the top 26.3%.
Is Tokio Marine Holdings' Interest Coverage too high?
Tokio Marine Holdings' current Interest Coverage of 55.35 is 70% above median its 10-year median of 32.65. Over the past 10 years, this metric has ranged from a low of 19.70 to a high of 67.00. The Insurance industry median Interest Coverage is 16.26. Tokio Marine Holdings' value of 55.35 is 240.4% above this industry median. Based on the distribution chart, Tokio Marine Holdings ranks #93 out of 353 companies in the Insurance industry, which is above the industry midpoint. Overall, Tokio Marine Holdings has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tokio Marine Holdings' Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Tokio Marine Holdings ranks #93 out of 353 companies for Interest Coverage. This puts Tokio Marine Holdings in the upper half of its industry. The industry median Interest Coverage is 16.26. Tokio Marine Holdings' value of 55.35 is 240.4% above this benchmark. Historically, Tokio Marine Holdings' own Interest Coverage has ranged from 19.70 to 67.00 over the past decade. While the company's 10-year median is 32.65 vs. the industry median of 16.26, Tokio Marine 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. Tokio Marine Holdings's current Interest Coverage of 55.35 is 240.4% 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 Tokio Marine 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. Tokio Marine Holdings's current Interest Coverage is 55.35, which is 70% above median its own 10-year median of 32.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tokio Marine Holdings stock overvalued right now?
Based on GuruFocus' analysis, Tokio Marine Holdings (MEX:8766N) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN661.31, compared to a current price of MXN806.49 — trading 22% above its estimated fair value. The current Interest Coverage is 55.35, which is 70% above median its 10-year median of 32.65 and 240.4% above the Insurance industry median of 16.26. Tokio Marine Holdings' overall GF Score™ is 52/100 with 5 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 Tokio Marine Holdings (MEX:8766N), the current Interest Coverage is 55.35 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 Tokio Marine Holdings (MEX:8766N) Overvalued in 2026?
Based on GuruFocus' analysis, Tokio Marine Holdings stock appears to be overvalued.
The current stock price of MXN806.49 is trading 22% above its estimated GF Value™ of MXN661.31.
GuruFocus considers Tokio Marine Holdings to be Modestly Overvalued.
Key valuation signals for MEX:8766N:
Interest Coverage: 55.35 (70% above median its 10-year median of 32.65)
GF Value™: MXN661.31 vs. price of MXN806.49 (22% above fair value)
Industry Position: 240.4% above the Insurance median (#93 of 353)
No single metric tells the full story. See the MEX:8766N stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dating back to 1879, Tokio Marine is the oldest insurance company in Japan and operated as its top property and casualty insurer for decades. Following industry consolidation, it now shares domestic dominance with MS and AD and Sompo. However, Tokio Marine remains by far the most valuable listed Japanese insurer by market capitalization. This premium valuation is driven by an aggressive unwinding of domestic cross-shareholdings and a highly profitable overseas portfolio. The majority of its international business is based in the United States, where it has acquired premium specialty insurers since 2008, including Philadelphia Consolidated, Delphi Financial, Tokio Marine HCC, and Privilege Underwriters Reciprocal Exchange, recently fortified by a capital alliance with Berkshire Hathaway.
52GF Score
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