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AMS Osiguranje a.dXBEL:AMSOPB 100 Interest Coverage is 9,334.85 as of Dec. 2025, which is 7% below its 10-year median of 10,000.00. GuruFocus rates XBEL:AMSOPB with a GF Score™ of 100/100 and a GF Value™ of RSD2,853.29 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 354 Insurance companies, AMS Osiguranje a.d ranks worse than 282485.59% 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. AMS Osiguranje a.d's
EBIT
for the
six
months ended in Dec. 2025 was RSD26,716 Mil. AMS Osiguranje a.d's Interest Expense for the
six
months ended in Dec. 2025 was RSD-3 Mil.
AMS Osiguranje a.d's interest coverage for the quarter that ended in Dec. 2025 was 9,334.85.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for AMS Osiguranje a.d's Interest Coverage or its related term are showing as below:
XBEL:AMSOPB's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 15.76 * Ranked among companies with meaningful Interest Coverage only.
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 .
AMS Osiguranje a.d Interest Coverage Related Terms
AMS Osiguranje a.d Interest Coverage Historical Data
* Premium members only.
The historical data trend for AMS Osiguranje a.d'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.
XBEL:AMSOPB vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, AMS Osiguranje a.d'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.
AMS Osiguranje a.d Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's Interest Coverage distribution charts can be found below:
* The bar in red indicates where AMS Osiguranje a.d'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.
AMS Osiguranje a.d (XBEL:AMSOPB) has a Interest Coverage of 9,334.85 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on AMS Osiguranje a.d and its competitors. This is near median its historical median of 10,000.00. According to the industry distribution chart, AMS Osiguranje a.d ranks #999999 out of 354 companies in the Insurance industry.
Is AMS Osiguranje a.d's Interest Coverage too high?
AMS Osiguranje a.d's current Interest Coverage of 9,334.85 is near median its 10-year median of 10,000.00. The Insurance industry median Interest Coverage is 15.76. AMS Osiguranje a.d's value of 9,334.85 is 59131.3% above this industry median. Based on the distribution chart, AMS Osiguranje a.d ranks #999999 out of 354 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, AMS Osiguranje a.d has a GF Score™ of 100/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AMS Osiguranje a.d's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, AMS Osiguranje a.d ranks #999999 out of 354 companies for Interest Coverage. This places AMS Osiguranje a.d in the lower half of its industry. The industry median Interest Coverage is 15.76. AMS Osiguranje a.d's value of 9,334.85 is 59131.3% above this benchmark. While the company's 10-year median is 10,000.00 vs. the industry median of 15.76, AMS Osiguranje a.d 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 15.76, based on 354 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. AMS Osiguranje a.d's current Interest Coverage of 9,334.85 is 59131.3% 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 AMS Osiguranje a.d and its competitors. For the Insurance industry, the median Interest Coverage is 15.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMS Osiguranje a.d's current Interest Coverage is 9,334.85, which is near median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMS Osiguranje a.d stock overvalued right now?
Based on GuruFocus' analysis, AMS Osiguranje a.d (XBEL:AMSOPB) is currently considered Modestly Overvalued. The stock's GF Value™ is RSD2,853.29, compared to a current price of RSD3,380.00 — trading 18.5% above its estimated fair value. The current Interest Coverage is 9,334.85, which is near median its 10-year median of 10,000.00 and 59131.3% above the Insurance industry median of 15.76. AMS Osiguranje a.d's overall GF Score™ is 100/100 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 AMS Osiguranje a.d (XBEL:AMSOPB), the current Interest Coverage is 9,334.85 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 AMS Osiguranje a.d (XBEL:AMSOPB) Overvalued in 2026?
Based on GuruFocus' analysis, AMS Osiguranje a.d stock appears to be overvalued.
The current stock price of RSD3,380.00 is trading 18.5% above its estimated GF Value™ of RSD2,853.29.
GuruFocus considers AMS Osiguranje a.d to be Modestly Overvalued.
Key valuation signals for XBEL:AMSOPB:
Interest Coverage: 9,334.85 (near median its 10-year median of 10,000.00)
GF Value™: RSD2,853.29 vs. price of RSD3,380.00 (18.5% above fair value)
Industry Position: 59131.3% above the Insurance median (#999999 of 354)
No single metric tells the full story. See the XBEL:AMSOPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMS Osiguranje a.d is a Serbia based company. The company is engaged in the provision of non life insurance services. Its insurance offering includes auto liability insurance, motor insurance, travel health insurance, accident insurance, and other insurances.
100GF Score
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