SBI Insurance Group CoSTU:EEW 75 Interest Coverage is 13.29 as of Mar. 2026, which is 98% below its 10-year median of 764.25. GuruFocus rates STU:EEW with a GF Score™ of 75/100 and a GF Value™ of €6.88. The stock has 1 warning sign investors should review. Among 351 Insurance companies, SBI Insurance Group Co ranks better than 76.64% 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. SBI Insurance Group Co's
EBIT
for the
three
months ended in Mar. 2026 was €1.5 Mil. SBI Insurance Group Co's Interest Expense for the
three
months ended in Mar. 2026 was €-0.1 Mil.
SBI Insurance Group Co's interest coverage for the quarter that ended in Mar. 2026 was 13.29.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
SBI Insurance Group Co Ltd has no debt.
The historical rank and industry rank for SBI Insurance Group Co's Interest Coverage or its related term are showing as below:
STU:EEW'
s Interest Coverage Range Over the Past 10 Years
Min: 72.82 Med: 764.25 Max: No Debt
Current: 72.82
STU:EEW's Interest Coverage is ranked better than 76.64% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs STU:EEW: 72.82
SBI Insurance Group Co (STU:EEW) 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 .
SBI Insurance Group Co Interest Coverage Related Terms
SBI Insurance Group Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for SBI Insurance Group 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.
STU:EEW vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, SBI Insurance Group 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.
SBI Insurance Group Co Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, SBI Insurance Group Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where SBI Insurance Group Co's Interest Coverage falls into.
SBI Insurance Group 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:
* 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.
SBI Insurance Group Co (STU:EEW) has a Interest Coverage of 13.29 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SBI Insurance Group Co and its competitors. This is 98% below median its historical median of 764.25. Over the past decade, SBI Insurance Group Co's Interest Coverage has ranged from 72.82 to 10,000.00. According to the industry distribution chart, SBI Insurance Group Co ranks #82 out of 351 companies in the Insurance industry, placing it in the top 23.4%.
Is SBI Insurance Group Co's Interest Coverage too high?
SBI Insurance Group Co's current Interest Coverage of 13.29 is 98% below median its 10-year median of 764.25. Over the past 10 years, this metric has ranged from a low of 72.82 to a high of 10,000.00. The Insurance industry median Interest Coverage is 16.23. SBI Insurance Group Co's value of 13.29 is 18.1% below this industry median. Based on the distribution chart, SBI Insurance Group Co ranks #82 out of 351 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, SBI Insurance Group Co has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does SBI Insurance Group Co's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, SBI Insurance Group Co ranks #82 out of 351 companies for Interest Coverage. This places SBI Insurance Group Co in the top 23% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.23. SBI Insurance Group Co's value of 13.29 is 18.1% below this benchmark. Historically, SBI Insurance Group Co's own Interest Coverage has ranged from 72.82 to 10,000.00 over the past decade. While the company's 10-year median is 764.25 vs. the industry median of 16.23, SBI Insurance Group 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. SBI Insurance Group Co's current Interest Coverage of 13.29 is 18.1% 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 SBI Insurance Group 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. SBI Insurance Group Co's current Interest Coverage is 13.29, which is 98% below median its own 10-year median of 764.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Insurance Group Co stock overvalued right now?
SBI Insurance Group Co (STU:EEW) has a current Interest Coverage of 13.29. The stock's GF Value™ is €6.88, compared to a current price of €10.90 — trading 58.4% above its estimated fair value. The current Interest Coverage is 13.29, which is 98% below median its 10-year median of 764.25 and 18.1% below the Insurance industry median of 16.23. SBI Insurance Group Co's overall GF Score™ is 75/100 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 SBI Insurance Group Co (STU:EEW), the current Interest Coverage is 13.29 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 SBI Insurance Group Co (STU:EEW) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Insurance Group Co stock appears to be overvalued.
The current stock price of €10.90 is trading 58.4% above its estimated GF Value™ of €6.88.
Key valuation signals for STU:EEW:
Interest Coverage: 13.29 (98% below median its 10-year median of 764.25)
GF Value™: €6.88 vs. price of €10.90 (58.4% above fair value)
Industry Position: 18.1% below the Insurance median (#82 of 351)
No single metric tells the full story. See the STU:EEW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Insurance Group Co Ltd is a Japan-based insurance holding company. Along with its subsidiaries, the company operates its business in three divisions including non-life insurance business, life insurance business and small amount short-term insurance business.
75GF Score
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