NN Group NVNNGPF 53 Interest Coverage is 2.66 as of Dec. 2025, which is 45% below its 10-year median of 4.87. GuruFocus rates NNGPF with a GF Score™ of 53/100 and a GF Value™ of $59.55 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 351 Insurance companies, NN Group NV ranks worse than 91.17% 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. NN Group NV's
EBIT
for the
six
months ended in Dec. 2025 was $1,841 Mil. NN Group NV's Interest Expense for the
six
months ended in Dec. 2025 was $-692 Mil.
NN Group NV's interest coverage for the quarter that ended in Dec. 2025 was 2.66.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. NN Group NV interest coverage is 2.26, which is low.
The historical rank and industry rank for NN Group NV's Interest Coverage or its related term are showing as below:
NNGPF'
s Interest Coverage Range Over the Past 10 Years
Min: 2.1 Med: 4.87 Max: 8.53
Current: 2.26
NNGPF's Interest Coverage is ranked worse than 91.17% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs NNGPF: 2.26
NN Group NV (OTCPK:NNGPF) 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 .
NN Group NV Interest Coverage Related Terms
NN Group NV Interest Coverage Historical Data
* Premium members only.
The historical data trend for NN Group NV'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.
NNGPF vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, NN Group NV'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.
NN Group NV Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, NN Group NV's Interest Coverage distribution charts can be found below:
* The bar in red indicates where NN Group NV'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.
NN Group NV (NNGPF) has a Interest Coverage of 2.66 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on NN Group NV and its competitors. This is 45% below median its historical median of 4.87. Over the past decade, NN Group NV's Interest Coverage has ranged from 2.10 to 8.53. According to the industry distribution chart, NN Group NV ranks #320 out of 351 companies in the Insurance industry, placing it in the top 91.2%.
Is NN Group NV's Interest Coverage too high?
NN Group NV's current Interest Coverage of 2.66 is 45% below median its 10-year median of 4.87. Over the past 10 years, this metric has ranged from a low of 2.10 to a high of 8.53. The Insurance industry median Interest Coverage is 16.23. NN Group NV's value of 2.66 is 83.6% below this industry median. Based on the distribution chart, NN Group NV ranks #320 out of 351 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, NN Group NV has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NN Group NV's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NN Group NV ranks #320 out of 351 companies for Interest Coverage. This places NN Group NV in the lower half of its industry. The industry median Interest Coverage is 16.23. NN Group NV's value of 2.66 is 83.6% below this benchmark. Historically, NN Group NV's own Interest Coverage has ranged from 2.10 to 8.53 over the past decade. While the company's 10-year median is 4.87 vs. the industry median of 16.23, NN Group NV 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 16.23, based on 351 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. NN Group NV's current Interest Coverage of 2.66 is 83.6% 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 NN Group NV and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NN Group NV's current Interest Coverage is 2.66, which is 45% below median its own 10-year median of 4.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NN Group NV stock overvalued right now?
Based on GuruFocus' analysis, NN Group NV (NNGPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $59.55, compared to a current price of $87.52 — trading 47% above its estimated fair value. The current Interest Coverage is 2.66, which is 45% below median its 10-year median of 4.87 and 83.6% below the Insurance industry median of 16.23. NN Group NV's overall GF Score™ is 53/100 with 11 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 NN Group NV (NNGPF), the current Interest Coverage is 2.66 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 NN Group NV (NNGPF) Overvalued in 2026?
Based on GuruFocus' analysis, NN Group NV stock appears to be overvalued.
The current stock price of $87.52 is trading 47% above its estimated GF Value™ of $59.55.
GuruFocus considers NN Group NV to be Significantly Overvalued.
Key valuation signals for NNGPF:
Interest Coverage: 2.66 (45% below median its 10-year median of 4.87)
GF Value™: $59.55 vs. price of $87.52 (47% above fair value)
Industry Position: 83.6% below the Insurance median (#320 of 351)
No single metric tells the full story. See the NNGPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NN Group is a European insurance company that primarily sells long-term savings in the Netherlands. The business is made up of four divisions: Netherlands life, Netherlands nonlife, insurance Europe, and Japan life. The Netherlands life business is the biggest division and tends to generate around three-quarters of operating income. That business sells traditional spread-based long-term savings and more modern defined-contribution savings. Since 2022, assets that are managed to support the traditional savings products and in-house part of defined-contribution products are managed by Goldman Sachs Asset Management. Since around 2013, NN has closed its domestic individual life insurance products to new business.
53GF Score
Get the complete analysis for NNGPF
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