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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. Positive Physicians Holdings's
EBIT
for the
three
months ended in Jun. 2022 was $0.10 Mil. Positive Physicians Holdings's Interest Expense for the
three
months ended in Jun. 2022 was $-0.02 Mil.
Positive Physicians Holdings's interest coverage for the quarter that ended in Jun. 2022 was 6.00.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Positive Physicians Holdings's Interest Coverage or its related term are showing as below:
PPHI's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.145 * Ranked among companies with meaningful Interest Coverage only.
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 .
Positive Physicians Holdings Interest Coverage Related Terms
Positive Physicians Holdings 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.
PPHI vs MMMM, ICCH, FACO: Interest Coverage Comparison
For the Insurance - Specialty subindustry, Positive Physicians 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.
Positive Physicians Holdings Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Positive Physicians Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Positive Physicians Holdings'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.
Positive Physicians Holdings (PPHI) has a Interest Coverage of 6.00 as of Jun. 2022. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Positive Physicians Holdings and its competitors.
Is Positive Physicians Holdings' Interest Coverage too high?
Positive Physicians Holdings' current Interest Coverage is 6.00. The Insurance industry median Interest Coverage is 16.15. Positive Physicians Holdings' value of 6.00 is 62.8% below this industry median. Overall, Positive Physicians Holdings has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Positive Physicians Holdings' Interest Coverage compare to MMMM and ICCH?
Positive Physicians Holdings' Interest Coverage of 6.00 can be compared against companies in the Insurance industry. The industry median Interest Coverage is 16.15. Positive Physicians Holdings' value of 6.00 is 62.8% below this benchmark. 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 16.15, based on 350 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. Positive Physicians Holdings's current Interest Coverage of 6.00 is 62.8% 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 Positive Physicians Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Positive Physicians Holdings's current Interest Coverage is 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Positive Physicians Holdings stock overvalued right now?
Positive Physicians Holdings (PPHI) has a current Interest Coverage of 6.00. The current Interest Coverage is 6.00 and 62.8% below the Insurance industry median of 16.15. Positive Physicians Holdings' overall GF Score™ is 12/100. 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 Positive Physicians Holdings (PPHI), the current Interest Coverage is 6.00 as of Jun. 2022. 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.
Positive Physicians Holdings Inc, through its subsidiaries, writes medical professional liability insurance for physicians, physician groups, and allied healthcare providers such as physician assistants and certified registered nurse practitioners. The insurance coverage offers claims-made coverage, claims-made plus, and occurrence-based policies, as well as tail coverage in Pennsylvania, New Jersey, Ohio, Delaware, Maryland, South Carolina, and Michigan. The company generates revenue in the form of net premiums, net investment income, and net realized and unrealized gains from investments.
12GF Score
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