General Insurance of IndiaNSE:GICRE +0.67%77 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 112.14. GuruFocus rates NSE:GICRE with a GF Score™ of 77/100 and a GF Value™ of ₹432.46 (Modestly Undervalued). Among 352 Insurance companies, General Insurance of India ranks worse than 284090.63% 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. General Insurance of India's
EBIT
for the
three
months ended in Mar. 2026 was ₹0 Mil. General Insurance of India's Interest Expense for the
three
months ended in Mar. 2026 was ₹0 Mil.
General Insurance of India has no debt.
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. General Insurance Corp of India has enough cash to cover all of its debt. Its financial situation is stable.
(1) 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.
The historical rank and industry rank for General Insurance of India's Interest Coverage or its related term are showing as below:
NSE:GICRE's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.245 * Ranked among companies with meaningful Interest Coverage only.
General Insurance of India (NSE:GICRE) 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 .
General Insurance of India Interest Coverage Related Terms
General Insurance of India 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.
General Insurance of India Interest Coverage Chart
NSE:GICRE vs RGA, EG, RNR: Interest Coverage Comparison
For the Insurance - Reinsurance subindustry, General Insurance of India'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.
General Insurance of India Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, General Insurance of India's Interest Coverage distribution charts can be found below:
* The bar in red indicates where General Insurance of India's Interest Coverage falls into.
General Insurance of India 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
General Insurance of India (NSE:GICRE) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on General Insurance of India and its competitors. This is 99% below median its historical median of 112.14. Over the past decade, General Insurance of India's Interest Coverage has ranged from 49.62 to 10,000.00. According to the industry distribution chart, General Insurance of India ranks #999999 out of 352 companies in the Insurance industry.
Is General Insurance of India's Interest Coverage too high?
General Insurance of India's current Interest Coverage of No Debt (1) is 99% below median its 10-year median of 112.14. Over the past 10 years, this metric has ranged from a low of 49.62 to a high of 10,000.00. Based on the distribution chart, General Insurance of India ranks #999999 out of 352 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, General Insurance of India has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does General Insurance of India's Interest Coverage compare to RGA and EG?
According to the Insurance industry distribution chart, General Insurance of India ranks #999999 out of 352 companies for Interest Coverage. This places General Insurance of India in the lower half of its industry. The industry median Interest Coverage is 16.25. Historically, General Insurance of India's own Interest Coverage has ranged from 49.62 to 10,000.00 over the past decade. 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. 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 General Insurance of India 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. General Insurance of India's current Interest Coverage is No Debt (1), which is 99% below median its own 10-year median of 112.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Insurance of India stock overvalued right now?
Based on GuruFocus' analysis, General Insurance of India (NSE:GICRE) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹432.46, compared to a current price of ₹362.55 — trading 16.2% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 99% below median its 10-year median of 112.14. General Insurance of India's overall GF Score™ is 77/100. 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 General Insurance of India (NSE:GICRE), the current Interest Coverage is No Debt (1) 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 General Insurance of India (NSE:GICRE) Overvalued in 2026?
Based on GuruFocus' analysis, General Insurance of India stock appears to be undervalued.
The current stock price of ₹362.55 is trading 16.2% below its estimated GF Value™ of ₹432.46.
GuruFocus considers General Insurance of India to be Modestly Undervalued.
Key valuation signals for NSE:GICRE:
Interest Coverage: No Debt (1) (99% below median its 10-year median of 112.14)
GF Value™: ₹432.46 vs. price of ₹362.55 (16.2% below fair value)
No single metric tells the full story. See the NSE:GICRE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Insurance Corp of India is a reinsurance company. It provides reinsurance for business lines, including fire (property), marine, motor, Personal Accident, engineering, agriculture, aviation/space, health, liability, credit, financial, and life insurance. The group provides services in Domestic and International market.
77GF Score
Get the complete analysis for NSE:GICRE
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:GICRE has been successfully added to your 
