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. The People's Insurance Co (Group) of China's
EBIT
for the
three
months ended in Dec. 2025 was $-405 Mil. The People's Insurance Co (Group) of China's Interest Expense for the
three
months ended in Dec. 2025 was $-131 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The People's Insurance Co (Group) of China (OTCPK:PINXF) 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 .
The People's Insurance Co (Group) of China Interest Coverage Related Terms
The People's Insurance Co (Group) of China 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.
The People's Insurance Co (Group) of China Interest Coverage Chart
The People's Insurance Co (Group) of China Annual Data
PINXF vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, The People's Insurance Co (Group) of China'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.
The People's Insurance Co (Group) of China Interest Coverage vs Insurance Industry
The People's Insurance Co (Group) of China 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:
The People's Insurance Co (Group) of China did not have earnings to cover the 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 0 (At Loss) mean?
The People's Insurance Co (Group) of China (PINXF) has a Interest Coverage of 0 (At Loss) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on The People's Insurance Co (Group) of China and its competitors. Over the past decade, The People's Insurance Co (Group) of China's Interest Coverage has ranged from 5.13 to 23.41. According to the industry distribution chart, The People's Insurance Co (Group) of China ranks #161 out of 351 companies in the Insurance industry, placing it in the top 45.9%.
Is The People's Insurance Co (Group) of China's Interest Coverage too high?
The People's Insurance Co (Group) of China's current Interest Coverage is 0 (At Loss). Over the past 10 years, this metric has ranged from a low of 5.13 to a high of 23.41. Based on the distribution chart, The People's Insurance Co (Group) of China ranks #161 out of 351 companies in the Insurance industry, which is above the industry midpoint. Overall, The People's Insurance Co (Group) of China has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The People's Insurance Co (Group) of China's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, The People's Insurance Co (Group) of China ranks #161 out of 351 companies for Interest Coverage. This puts The People's Insurance Co (Group) of China in the upper half of its industry. The industry median Interest Coverage is 16.23. Historically, The People's Insurance Co (Group) of China's own Interest Coverage has ranged from 5.13 to 23.41 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 16.23, 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. 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 The People's Insurance Co (Group) of China 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. The People's Insurance Co (Group) of China's current Interest Coverage is 0 (At Loss). However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The People's Insurance Co (Group) of China stock overvalued right now?
Based on GuruFocus' analysis, The People's Insurance Co (Group) of China (PINXF) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.59, compared to a current price of $0.66 — trading 11.9% above its estimated fair value. The current Interest Coverage is 0 (At Loss). The People's Insurance Co (Group) of China's overall GF Score™ is 54/100 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 The People's Insurance Co (Group) of China (PINXF), the current Interest Coverage is 0 (At Loss) 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 The People's Insurance Co (Group) of China (PINXF) Overvalued in 2026?
Based on GuruFocus' analysis, The People's Insurance Co (Group) of China stock appears to be overvalued.
The current stock price of $0.66 is trading 11.9% above its estimated GF Value™ of $0.59.
GuruFocus considers The People's Insurance Co (Group) of China to be Modestly Overvalued.
Key valuation signals for PINXF:
Interest Coverage: 0 (At Loss)
GF Value™: $0.59 vs. price of $0.66 (11.9% above fair value)
No single metric tells the full story. See the PINXF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The People's Insurance Co (Group) of China Business Description
PICC Group, headquartered in Beijing, is the largest state-owned insurance group in China. It holds a 69% stake in PICC Property and Casualty, an 80% stake in PICC Life, and a 69% stake in PICC Health Insurance. The P&C subsidiary is the largest nonlife insurer in the country, with approximately one-third of market share. The life insurance and health insurance subsidiaries hold less than 5% market share. The Ministry of Finance is the largest shareholder with a 61% stake, while China's Social Security Fund is the second-largest shareholder, holding nearly 13%.
54GF Score
Get the complete analysis for PINXF
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