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China Reinsurance (Group)STU:C53 -4.20%46 Interest Coverage is 7.15 as of Dec. 2025, which is 25% above its 10-year median of 5.71. GuruFocus rates STU:C53 with a GF Score™ of 46/100 and a GF Value™ of €0.08 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 350 Insurance companies, China Reinsurance (Group) ranks worse than 64.57% 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. China Reinsurance (Group)'s
EBIT
for the
six
months ended in Dec. 2025 was €633 Mil. China Reinsurance (Group)'s Interest Expense for the
six
months ended in Dec. 2025 was €-89 Mil.
China Reinsurance (Group)'s interest coverage for the quarter that ended in Dec. 2025 was 7.15.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for China Reinsurance (Group)'s Interest Coverage or its related term are showing as below:
STU:C53'
s Interest Coverage Range Over the Past 10 Years
Min: 0.29 Med: 5.71 Max: 11.91
Current: 8.59
STU:C53's Interest Coverage is ranked worse than 64.57% of 350
companies
in the Insurance industry
Industry Median: 16.03
vs STU:C53: 8.59
China Reinsurance (Group) (STU:C53) 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 .
China Reinsurance (Group) Interest Coverage Related Terms
China Reinsurance (Group) 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.
STU:C53 vs RGA, EG, RNR: Interest Coverage Comparison
For the Insurance - Reinsurance subindustry, China Reinsurance (Group)'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.
China Reinsurance (Group) Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, China Reinsurance (Group)'s Interest Coverage distribution charts can be found below:
* The bar in red indicates where China Reinsurance (Group)'s Interest Coverage falls into.
China Reinsurance (Group) 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:
* 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.
China Reinsurance (Group) (STU:C53) has a Interest Coverage of 7.15 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on China Reinsurance (Group) and its competitors. This is 25% above median its historical median of 5.71. Over the past decade, China Reinsurance (Group)'s Interest Coverage has ranged from 0.29 to 11.91. According to the industry distribution chart, China Reinsurance (Group) ranks #226 out of 350 companies in the Insurance industry, placing it in the top 64.6%.
Is China Reinsurance (Group)'s Interest Coverage too high?
China Reinsurance (Group)'s current Interest Coverage of 7.15 is 25% above median its 10-year median of 5.71. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 11.91. The Insurance industry median Interest Coverage is 16.03. China Reinsurance (Group)'s value of 7.15 is 55.4% below this industry median. Based on the distribution chart, China Reinsurance (Group) ranks #226 out of 350 companies in the Insurance industry, which is below the industry midpoint. Overall, China Reinsurance (Group) has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does China Reinsurance (Group)'s Interest Coverage compare to RGA and EG?
According to the Insurance industry distribution chart, China Reinsurance (Group) ranks #226 out of 350 companies for Interest Coverage. This places China Reinsurance (Group) in the lower half of its industry. The industry median Interest Coverage is 16.03. China Reinsurance (Group)'s value of 7.15 is 55.4% below this benchmark. Historically, China Reinsurance (Group)'s own Interest Coverage has ranged from 0.29 to 11.91 over the past decade. While the company's 10-year median is 5.71 vs. the industry median of 16.03, China Reinsurance (Group) 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 16.03, 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. China Reinsurance (Group)'s current Interest Coverage of 7.15 is 55.4% 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 China Reinsurance (Group) and its competitors. For the Insurance industry, the median Interest Coverage is 16.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Reinsurance (Group)'s current Interest Coverage is 7.15, which is 25% above median its own 10-year median of 5.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Reinsurance (Group) stock overvalued right now?
Based on GuruFocus' analysis, China Reinsurance (Group) (STU:C53) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.08, compared to a current price of €0.14 — trading 79.8% above its estimated fair value. The current Interest Coverage is 7.15, which is 25% above median its 10-year median of 5.71 and 55.4% below the Insurance industry median of 16.03. China Reinsurance (Group)'s overall GF Score™ is 46/100 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 China Reinsurance (Group) (STU:C53), the current Interest Coverage is 7.15 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 China Reinsurance (Group) (STU:C53) Overvalued in 2026?
Based on GuruFocus' analysis, China Reinsurance (Group) stock appears to be overvalued.
The current stock price of €0.14 is trading 79.8% above its estimated GF Value™ of €0.08.
GuruFocus considers China Reinsurance (Group) to be Significantly Overvalued.
Key valuation signals for STU:C53:
Interest Coverage: 7.15 (25% above median its 10-year median of 5.71)
GF Value™: €0.08 vs. price of €0.14 (79.8% above fair value)
Industry Position: 55.4% below the Insurance median (#226 of 350)
No single metric tells the full story. See the STU:C53 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Reinsurance (Group) Corp is mainly engaged in property and casualty reinsurance, life and health reinsurance, primary property and casualty insurance, asset management and other businesses. Its operating and reportable segments are Property and casualty reinsurance segment offers a wide variety of reinsurance products; Life and health reinsurance segment offers a wide range of reinsurance products; Primary property and casualty insurance segment offers a wide variety of insurance products and other businesses including motor, property and liability insurance; Asset management segment offers asset management services; and Other segments of which majority of revenue comes from Primary property and casualty insurance.
46GF Score
Get the complete analysis for STU:C53
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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