National Medical Care Co (SAU:4005) Interest Coverage: 7.51 (As of Mar. 2026) — 77% Below Median

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
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SAU:4005 National Medical Care Co SAU:4005
94 GF Score
Price ﷼115.00
GF Value ﷼210.40
Valuation Possible Value Trap
! 1 Warning Sign
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What is National Medical Care Co Interest Coverage?

National Medical Care Co SAU:4005 +5.50% 94 Interest Coverage is 7.51 as of Mar. 2026, which is 77% below its 10-year median of 32.58. GuruFocus rates SAU:4005 with a GF Score™ of 94/100 and a GF Value™ of ﷼210.40 (Possible Value Trap). The stock has 1 warning sign investors should review. Among 452 Healthcare Providers & Services companies, National Medical Care Co ranks better than 58.41% 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. National Medical Care Co's Operating Income for the three months ended in Mar. 2026 was ﷼63 Mil. National Medical Care Co's Interest Expense for the three months ended in Mar. 2026 was ﷼-8 Mil. National Medical Care Co's interest coverage for the quarter that ended in Mar. 2026 was 7.51. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for National Medical Care Co's Interest Coverage or its related term are showing as below:

SAU:4005' s Interest Coverage Range Over the Past 10 Years
Min: 11.03   Med: 32.58   Max: 70.41
Current: 11.52


SAU:4005's Interest Coverage is ranked better than
58.41% of 452 companies
in the Healthcare Providers & Services industry
Industry Median: 7.885 vs SAU:4005: 11.52

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


National Medical Care Co  (SAU:4005) 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 .


National Medical Care Co Interest Coverage Related Terms


National Medical Care Co Interest Coverage Historical Data

* Premium members only.

The historical data trend for National Medical Care Co'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.

National Medical Care Co Interest Coverage Chart

National Medical Care Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only N/A N/A 70.41 11.03 13.13

National Medical Care Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.80 11.51 12.86 16.42 7.51

SAU:4005 vs HCA, THC, DVA: Interest Coverage Comparison

For the Medical Care Facilities subindustry, National Medical Care Co'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.


National Medical Care Co Interest Coverage vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, National Medical Care Co's Interest Coverage distribution charts can be found below:

* The bar in red indicates where National Medical Care Co's Interest Coverage falls into.


SAU:4005
94GF Score
National Medical Care Co SAU:4005
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Medical Care Co 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:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

National Medical Care Co's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, National Medical Care Co's Interest Expense was ﷼-27 Mil. Its Operating Income was ﷼354 Mil. And its Long-Term Debt & Capital Lease Obligation was ﷼443 Mil.

Interest Coverage=-1* Operating Income (A: Dec. 2025 )/Interest Expense (A: Dec. 2025 )
=-1*354.1/-26.969
=13.13

National Medical Care Co's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Here, for the three months ended in Mar. 2026, National Medical Care Co's Interest Expense was ﷼-8 Mil. Its Operating Income was ﷼63 Mil. And its Long-Term Debt & Capital Lease Obligation was ﷼678 Mil.

Interest Coverage=-1* Operating Income (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*62.983/-8.389
=7.51

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 7.51 mean?
National Medical Care Co (SAU:4005) has a Interest Coverage of 7.51 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on National Medical Care Co and its competitors. This is 77% below median its historical median of 32.58. Over the past decade, National Medical Care Co's Interest Coverage has ranged from 11.03 to 70.41. According to the industry distribution chart, National Medical Care Co ranks #188 out of 452 companies in the Healthcare Providers & Services industry, placing it in the top 41.6%.
Is National Medical Care Co's Interest Coverage too high?
National Medical Care Co's current Interest Coverage of 7.51 is 77% below median its 10-year median of 32.58. Over the past 10 years, this metric has ranged from a low of 11.03 to a high of 70.41. The Healthcare Providers & Services industry median Interest Coverage is 7.89. National Medical Care Co's value of 7.51 is 4.8% below this industry median. Based on the distribution chart, National Medical Care Co ranks #188 out of 452 companies in the Healthcare Providers & Services industry, which is above the industry midpoint. Overall, National Medical Care Co has a GF Score™ of 94/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does National Medical Care Co's Interest Coverage compare to HCA and THC?
According to the Healthcare Providers & Services industry distribution chart, National Medical Care Co ranks #188 out of 452 companies for Interest Coverage. This puts National Medical Care Co in the upper half of its industry. The industry median Interest Coverage is 7.89. National Medical Care Co's value of 7.51 is 4.8% below this benchmark. Historically, National Medical Care Co's own Interest Coverage has ranged from 11.03 to 70.41 over the past decade. While the company's 10-year median is 32.58 vs. the industry median of 7.89, National Medical Care Co 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 a Healthcare Providers & Services company?
The median Interest Coverage among Healthcare Providers & Services companies is 7.89, based on 452 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. National Medical Care Co's current Interest Coverage of 7.51 is 4.8% 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 National Medical Care Co and its competitors. For the Healthcare Providers & Services industry, the median Interest Coverage is 7.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Medical Care Co's current Interest Coverage is 7.51, which is 77% below median its own 10-year median of 32.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Medical Care Co stock overvalued right now?
Based on GuruFocus' analysis, National Medical Care Co (SAU:4005) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼210.40, compared to a current price of ﷼115.00 — trading 45.3% below its estimated fair value. The current Interest Coverage is 7.51, which is 77% below median its 10-year median of 32.58 and 4.8% below the Healthcare Providers & Services industry median of 7.89. National Medical Care Co's overall GF Score™ is 94/100 with 1 warning sign 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 National Medical Care Co (SAU:4005), the current Interest Coverage is 7.51 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 National Medical Care Co (SAU:4005) Overvalued in 2026?

Based on GuruFocus' analysis, National Medical Care Co stock appears to be undervalued. The current stock price of ﷼115.00 is trading 45.3% below its estimated GF Value™ of ﷼210.40. GuruFocus considers National Medical Care Co to be Possible Value Trap.

Key valuation signals for SAU:4005:

  • Interest Coverage: 7.51 (77% below median its 10-year median of 32.58)
  • GF Value™: ﷼210.40 vs. price of ﷼115.00 (45.3% below fair value)
  • GF Score™: 94/100 with 1 warning sign
  • Industry Position: 4.8% below the Healthcare Providers & Services median (#188 of 452)

No single metric tells the full story. See the SAU:4005 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


National Medical Care Co Business Description

Address Al Imam Ahmad Ibn hanbal Street, P.O. Box 29393, Arrayyan District, Riyadh, SAU, 11457
National Medical Care Co is engaged in the business to establish, own, equip, manage, maintain, and operate healthcare facilities and provide home health care services. The company trades medicines, medical equipment, and supplies in wholesale and retail trade. Geographically, all operations are conducted in the Kingdom of Saudi Arabia. The company generates revenue through the Rendering of clinical services, and the Sale of pharmaceuticals.
94GF Score

Get the complete analysis for SAU:4005

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼115.00
Price
﷼210.40
GF Value