SSMMF (Samsung Life Insurance Co) Interest Coverage: 4.35 (As of Mar. 2026) — 15% Above Median


What is Samsung Life Insurance Co Interest Coverage?

Samsung Life Insurance Co SSMMF 62 Interest Coverage is 4.35 as of Mar. 2026, which is 15% above its 10-year median of 3.79. GuruFocus rates SSMMF with a GF Score™ of 62/100. The stock has 9 warning signs investors should review. Among 351 Insurance companies, Samsung Life Insurance Co ranks worse than 87.18% 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. Samsung Life Insurance Co's EBIT for the three months ended in Mar. 2026 was $1,332.52 Mil. Samsung Life Insurance Co's Interest Expense for the three months ended in Mar. 2026 was $-306.44 Mil. Samsung Life Insurance Co's interest coverage for the quarter that ended in Mar. 2026 was 4.35. The higher the ratio, the stronger the company's financial strength is.

Warning Sign:

Ben Graham prefers companies' interest coverage to be at least 5. Samsung Life Insurance Co Ltd interest coverage is 2.93, which is low.

The historical rank and industry rank for Samsung Life Insurance Co's Interest Coverage or its related term are showing as below:

SSMMF' s Interest Coverage Range Over the Past 10 Years
Min: 2.57   Med: 3.79   Max: 7.28
Current: 2.93

SSMMF's Interest Coverage is ranked worse than
87.18% of 351 companies
in the Insurance industry
Industry Median: 16.23 vs SSMMF: 2.93

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

Samsung Life Insurance Co  (OTCPK:SSMMF) 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 .

Samsung Life Insurance Co Interest Coverage Related Terms

Samsung Life Insurance Co Interest Coverage Historical Data

* Premium members only.

The historical data trend for Samsung Life Insurance 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.

Samsung Life Insurance Co Interest Coverage Chart

Samsung Life Insurance 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 4.33 3.18 2.66 2.57 2.57

Samsung Life Insurance 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 2.85 3.01 2.97 1.41 4.35

SSMMF vs AFL, MET, PRU: Interest Coverage Comparison

For the Insurance - Life subindustry, Samsung Life Insurance 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.

Samsung Life Insurance Co Interest Coverage vs Insurance Industry

For the Insurance industry and Financial Services sector, Samsung Life Insurance Co's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Samsung Life Insurance Co's Interest Coverage falls into.


Samsung Life Insurance 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 EBIT is positive, then

Interest Coverage=-1* EBIT /Interest Expense

Else if Interest Expense is negative and EBIT 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.

Samsung Life Insurance 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, Samsung Life Insurance Co's Interest Expense was $-1,302.22 Mil. Its EBIT was $3,347.01 Mil. And its Long-Term Debt & Capital Lease Obligation was $15,773.58 Mil.

Interest Coverage=-1* EBIT (A: Dec. 2025 )/Interest Expense (A: Dec. 2025 )
=-1*3347.006/-1302.215
=2.57

Samsung Life Insurance Co's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Here, for the three months ended in Mar. 2026, Samsung Life Insurance Co's Interest Expense was $-306.44 Mil. Its EBIT was $1,332.52 Mil. And its Long-Term Debt & Capital Lease Obligation was $16,696.25 Mil.

Interest Coverage=-1* EBIT (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*1332.516/-306.441
=4.35

* 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 4.35 mean?
Samsung Life Insurance Co (SSMMF) has a Interest Coverage of 4.35 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Samsung Life Insurance Co and its competitors. This is 15% above median its historical median of 3.79. Over the past decade, Samsung Life Insurance Co's Interest Coverage has ranged from 2.57 to 7.28. According to the industry distribution chart, Samsung Life Insurance Co ranks #306 out of 351 companies in the Insurance industry, placing it in the top 87.2%.
Is Samsung Life Insurance Co's Interest Coverage too high?
Samsung Life Insurance Co's current Interest Coverage of 4.35 is 15% above median its 10-year median of 3.79. Over the past 10 years, this metric has ranged from a low of 2.57 to a high of 7.28. The Insurance industry median Interest Coverage is 16.23. Samsung Life Insurance Co's value of 4.35 is 73.2% below this industry median. Based on the distribution chart, Samsung Life Insurance Co ranks #306 out of 351 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Samsung Life Insurance Co has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Samsung Life Insurance Co's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Samsung Life Insurance Co ranks #306 out of 351 companies for Interest Coverage. This places Samsung Life Insurance Co in the lower half of its industry. The industry median Interest Coverage is 16.23. Samsung Life Insurance Co's value of 4.35 is 73.2% below this benchmark. Historically, Samsung Life Insurance Co's own Interest Coverage has ranged from 2.57 to 7.28 over the past decade. While the company's 10-year median is 3.79 vs. the industry median of 16.23, Samsung Life Insurance 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 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. Samsung Life Insurance Co's current Interest Coverage of 4.35 is 73.2% 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 Samsung Life Insurance Co 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. Samsung Life Insurance Co's current Interest Coverage is 4.35, which is 15% above median its own 10-year median of 3.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Samsung Life Insurance Co stock overvalued right now?
Samsung Life Insurance Co (SSMMF) has a current Interest Coverage of 4.35. The current Interest Coverage is 4.35, which is 15% above median its 10-year median of 3.79 and 73.2% below the Insurance industry median of 16.23. Samsung Life Insurance Co's overall GF Score™ is 62/100 with 9 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 Samsung Life Insurance Co (SSMMF), the current Interest Coverage is 4.35 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.

Samsung Life Insurance Co Business Description

Other Exchanges 032830:Korea
Address 11 Seocho-daero 74-gil, Seocho-gu, Seoul, KOR, 06620
Samsung Life Insurance Co Ltd is engaged in the life insurance business. It provides a broad mix of insurance, savings and financial services. Its offerings include life, health and pension insurance, along with property-related coverage. It also extends credit and mortgage loans, retirement products, trust services and investment management solutions. These services support customers in protecting their finances and planning for long-term growth across life, health, assets and retirement needs.