T&D HoldingsTDHOY -1.64%68 Interest Coverage is 19.49 as of Mar. 2026, which is 80% below its 10-year median of 95.20. GuruFocus rates TDHOY with a GF Score™ of 68/100 and a GF Value™ of $11.65 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 353 Insurance companies, T&D Holdings ranks better than 61.19% 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. T&D Holdings's
EBIT
for the
three
months ended in Mar. 2026 was $265 Mil. T&D Holdings's Interest Expense for the
three
months ended in Mar. 2026 was $-14 Mil.
T&D Holdings's interest coverage for the quarter that ended in Mar. 2026 was 19.49.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for T&D Holdings's Interest Coverage or its related term are showing as below:
TDHOY'
s Interest Coverage Range Over the Past 10 Years
Min: 14.57 Med: 95.2 Max: 173.15
Current: 27.13
TDHOY's Interest Coverage is ranked better than 61.19% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs TDHOY: 27.13
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 .
T&D Holdings Interest Coverage Related Terms
T&D Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for T&D Holdings'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.
TDHOY vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, T&D 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.
T&D Holdings Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, T&D Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where T&D 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.
T&D Holdings (TDHOY) has a Interest Coverage of 19.49 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on T&D Holdings and its competitors. This is 80% below median its historical median of 95.20. Over the past decade, T&D Holdings' Interest Coverage has ranged from 14.57 to 173.15. According to the industry distribution chart, T&D Holdings ranks #137 out of 353 companies in the Insurance industry, placing it in the top 38.8%.
Is T&D Holdings' Interest Coverage too high?
T&D Holdings' current Interest Coverage of 19.49 is 80% below median its 10-year median of 95.20. Over the past 10 years, this metric has ranged from a low of 14.57 to a high of 173.15. The Insurance industry median Interest Coverage is 16.26. T&D Holdings' value of 19.49 is 19.9% above this industry median. Based on the distribution chart, T&D Holdings ranks #137 out of 353 companies in the Insurance industry, which is above the industry midpoint. Overall, T&D Holdings has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does T&D Holdings' Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, T&D Holdings ranks #137 out of 353 companies for Interest Coverage. This puts T&D Holdings in the upper half of its industry. The industry median Interest Coverage is 16.26. T&D Holdings' value of 19.49 is 19.9% above this benchmark. Historically, T&D Holdings' own Interest Coverage has ranged from 14.57 to 173.15 over the past decade. While the company's 10-year median is 95.20 vs. the industry median of 16.26, T&D Holdings has consistently been above 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 16.26, based on 353 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. T&D Holdings's current Interest Coverage of 19.49 is 19.9% above 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 T&D Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. T&D Holdings's current Interest Coverage is 19.49, which is 80% below median its own 10-year median of 95.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is T&D Holdings stock overvalued right now?
Based on GuruFocus' analysis, T&D Holdings (TDHOY) is currently considered Modestly Overvalued. The stock's GF Value™ is $11.65, compared to a current price of $14.49 — trading 24.4% above its estimated fair value. The current Interest Coverage is 19.49, which is 80% below median its 10-year median of 95.20 and 19.9% above the Insurance industry median of 16.26. T&D Holdings' overall GF Score™ is 68/100 with 6 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 T&D Holdings (TDHOY), the current Interest Coverage is 19.49 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 T&D Holdings (TDHOY) Overvalued in 2026?
Based on GuruFocus' analysis, T&D Holdings stock appears to be overvalued.
The current stock price of $14.49 is trading 24.4% above its estimated GF Value™ of $11.65.
GuruFocus considers T&D Holdings to be Modestly Overvalued.
Key valuation signals for TDHOY:
Interest Coverage: 19.49 (80% below median its 10-year median of 95.20)
GF Value™: $11.65 vs. price of $14.49 (24.4% above fair value)
Industry Position: 19.9% above the Insurance median (#137 of 353)
No single metric tells the full story. See the TDHOY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
T&D Holdings Inc is a Japanese holding company. It manages life insurance business. The company has four reportable segments, namely Daido Life Insurance, T&D Financial Life Insurance, T&D United Capital, and Taiyo Life Insurance. The company earns the majority of its revenue from the Taiyo Life Insurance segment, which provides life insurance services to the household market.
68GF Score
Get the complete analysis for TDHOY
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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