Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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. Asian Life Insurance Co's
EBIT
for the
three
months ended in Apr. 2025 was NPR259 Mil. Asian Life Insurance Co's Interest Expense for the
three
months ended in Apr. 2025 was NPR-3 Mil.
Asian Life Insurance Co's interest coverage for the quarter that ended in Apr. 2025 was 85.98.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Asian Life Insurance Co's Interest Coverage or its related term are showing as below:
XNEP:ALICL's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.145 * Ranked among companies with meaningful Interest Coverage only.
Asian Life Insurance Co (XNEP:ALICL) 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 .
Asian Life Insurance Co Interest Coverage Related Terms
Asian Life Insurance Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for Asian 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.
XNEP:ALICL vs AFL, MET: Interest Coverage Comparison
For the Insurance - Life subindustry, Asian 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.
Asian Life Insurance Co Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Asian Life Insurance Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Asian Life Insurance Co's Interest Coverage falls into.
Asian 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:
* 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.
Asian Life Insurance Co (XNEP:ALICL) has a Interest Coverage of 85.98 as of Apr. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Asian Life Insurance Co and its competitors.
Is Asian Life Insurance Co's Interest Coverage too high?
Asian Life Insurance Co's current Interest Coverage is 85.98. The Insurance industry median Interest Coverage is 16.15. Asian Life Insurance Co's value of 85.98 is 432.5% above this industry median. Overall, Asian Life Insurance Co has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Asian Life Insurance Co's Interest Coverage compare to AFL and MET?
Asian Life Insurance Co's Interest Coverage of 85.98 can be compared against companies in the Insurance industry. The industry median Interest Coverage is 16.15. Asian Life Insurance Co's value of 85.98 is 432.5% above this benchmark. 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 16.15, 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. Asian Life Insurance Co's current Interest Coverage of 85.98 is 432.5% 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 Asian Life Insurance Co and its competitors. For the Insurance industry, the median Interest Coverage is 16.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asian Life Insurance Co's current Interest Coverage is 85.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asian Life Insurance Co stock overvalued right now?
Asian Life Insurance Co (XNEP:ALICL) has a current Interest Coverage of 85.98. The current Interest Coverage is 85.98 and 432.5% above the Insurance industry median of 16.15. Asian Life Insurance Co's overall GF Score™ is 52/100. 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 Asian Life Insurance Co (XNEP:ALICL), the current Interest Coverage is 85.98 as of Apr. 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.
Asian Life Insurance Co Ltd operates predominantly in the insurance industry in Nepal. It is focused on providing various life insurance products, including participating and nonparticipating products, through its provincial offices, branches, sub-branches, and network of agents. The company's business segments include Endowment, Foreign Employment Term, Anticipated Endowment, Micro Term, Special Term, Child Endowment, Endowment Cum Whole Life, and Others. Maximum revenue is generated from its Endowment Insurance business.
52GF Score
Get the complete analysis for XNEP:ALICL
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:ALICL has been successfully added to your 
