Religare EnterprisesNSE:RELIGARE +2.64%75 Interest Coverage is 13.45 as of Mar. 2026, which is 445% above its 10-year median of 2.47. GuruFocus rates NSE:RELIGARE with a GF Score™ of 75/100 and a GF Value™ of ₹436.93 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 352 Insurance companies, Religare Enterprises ranks worse than 91.76% 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
Operating Income
by its Interest Expense. Religare Enterprises's
Operating Income
for the
three
months ended in Mar. 2026 was ₹1,310 Mil. Religare Enterprises's Interest Expense for the
three
months ended in Mar. 2026 was ₹-97 Mil.
Religare Enterprises's interest coverage for the quarter that ended in Mar. 2026 was 13.45.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Religare Enterprises's Interest Coverage or its related term are showing as below:
NSE:RELIGARE'
s Interest Coverage Range Over the Past 10 Years
Min: 1.55 Med: 2.47 Max: 6.82
Current: 2.07
NSE:RELIGARE's Interest Coverage is ranked worse than 91.76% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs NSE:RELIGARE: 2.07
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 .
Religare Enterprises Interest Coverage Related Terms
Religare Enterprises Interest Coverage Historical Data
* Premium members only.
The historical data trend for Religare Enterprises'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.
NSE:RELIGARE vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, Religare Enterprises'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.
Religare Enterprises Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Religare Enterprises's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Religare Enterprises'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.
Religare Enterprises (NSE:RELIGARE) has a Interest Coverage of 13.45 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Religare Enterprises and its competitors. This is 445% above median its historical median of 2.47. Over the past decade, Religare Enterprises' Interest Coverage has ranged from 1.55 to 6.82. According to the industry distribution chart, Religare Enterprises ranks #323 out of 352 companies in the Insurance industry, placing it in the top 91.8%.
Is Religare Enterprises' Interest Coverage too high?
Religare Enterprises' current Interest Coverage of 13.45 is 445% above median its 10-year median of 2.47. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 6.82. The Insurance industry median Interest Coverage is 16.25. Religare Enterprises' value of 13.45 is 17.2% below this industry median. Based on the distribution chart, Religare Enterprises ranks #323 out of 352 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Religare Enterprises has a GF Score™ of 75/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Religare Enterprises' Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Religare Enterprises ranks #323 out of 352 companies for Interest Coverage. This places Religare Enterprises in the lower half of its industry. The industry median Interest Coverage is 16.25. Religare Enterprises' value of 13.45 is 17.2% below this benchmark. Historically, Religare Enterprises' own Interest Coverage has ranged from 1.55 to 6.82 over the past decade. While the company's 10-year median is 2.47 vs. the industry median of 16.25, Religare Enterprises 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 16.25, 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. Religare Enterprises's current Interest Coverage of 13.45 is 17.2% 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 Religare Enterprises 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. Religare Enterprises's current Interest Coverage is 13.45, which is 445% above median its own 10-year median of 2.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Religare Enterprises stock overvalued right now?
Based on GuruFocus' analysis, Religare Enterprises (NSE:RELIGARE) is currently considered Possible Value Trap. The stock's GF Value™ is ₹436.93, compared to a current price of ₹272.15 — trading 37.7% below its estimated fair value. The current Interest Coverage is 13.45, which is 445% above median its 10-year median of 2.47 and 17.2% below the Insurance industry median of 16.25. Religare Enterprises' overall GF Score™ is 75/100 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 Religare Enterprises (NSE:RELIGARE), the current Interest Coverage is 13.45 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 Religare Enterprises (NSE:RELIGARE) Overvalued in 2026?
Based on GuruFocus' analysis, Religare Enterprises stock appears to be undervalued.
The current stock price of ₹272.15 is trading 37.7% below its estimated GF Value™ of ₹436.93.
GuruFocus considers Religare Enterprises to be Possible Value Trap.
Key valuation signals for NSE:RELIGARE:
Interest Coverage: 13.45 (445% above median its 10-year median of 2.47)
GF Value™: ₹436.93 vs. price of ₹272.15 (37.7% below fair value)
Industry Position: 17.2% below the Insurance median (#323 of 352)
No single metric tells the full story. See the NSE:RELIGARE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Religare Enterprises Ltd is an India-based company that is principally engaged in providing diversified financial services, including loans to small and midsize enterprises, affordable housing finance, health insurance, capital markets, and wealth management. The company operates via various subsidiaries and operating entities such as Insurance (Health and Travel - Care Health Insurance Limited), Retail Broking (Religare Broking Limited), SME Finance (NBFC) Religare Finvest Limited, Housing Finance (Affordable) [Religare Housing Development Finance Corporation Limited]. It generates around two-thirds of total revenue from investment and financing activity. The company concentrates its business in India and generates the majority of revenue from the domestic market.
75GF Score
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