Gurans Life Insurance Co (XNEP:GLICL) Interest Coverage: 0 (At Loss) (As of Jan. 2023)


XNEP:GLICL Gurans Life Insurance Co Ltd XNEP:GLICL
26 GF Score
Price NPR344.00
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What is Gurans Life Insurance Co Interest Coverage?

Gurans Life Insurance Co XNEP:GLICL 26 Interest Coverage is 0 (At Loss) as of Jan. 2023. GuruFocus rates XNEP:GLICL with a GF Score™ of 26/100.

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. Gurans Life Insurance Co's EBIT for the three months ended in Jan. 2023 was NPR0 Mil. Gurans Life Insurance Co's Interest Expense for the three months ended in Jan. 2023 was NPR-35 Mil. did not have earnings to cover the interest expense. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for Gurans Life Insurance Co's Interest Coverage or its related term are showing as below:


XNEP:GLICL's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.245
* Ranked among companies with meaningful Interest Coverage only.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Gurans Life Insurance Co  (XNEP:GLICL) 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 .

Gurans Life Insurance Co Interest Coverage Related Terms

Gurans Life Insurance Co Interest Coverage Historical Data

* Premium members only.

The historical data trend for Gurans 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.

Gurans Life Insurance Co Interest Coverage Chart

Gurans Life Insurance Co Annual Data
Trend Jul11 Jul12 Jul13 Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 65.79 8,007.49 2.72 2.57 3.41

Gurans Life Insurance Co Quarterly Data
Jan18 Apr18 Jul18 Oct18 Jan19 Apr19 Jul19 Oct19 Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Oct22 Jan23
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

XNEP:GLICL vs MET, PRU, AFL: Interest Coverage Comparison

For the Insurance - Life subindustry, Gurans 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.

Gurans Life Insurance Co Interest Coverage vs Insurance Industry

For the Insurance industry and Financial Services sector, Gurans Life Insurance Co's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Gurans Life Insurance Co's Interest Coverage falls into.


XNEP:GLICL
26GF Score
Gurans Life Insurance Co Ltd XNEP:GLICL
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
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Gurans 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:

If Interest Expense is negative and EBIT is positive, then

Interest Coverage=-1* EBIT /Interest Expense

Else if Interest Expense is negative and EBIT is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Gurans Life Insurance Co's Interest Coverage for the fiscal year that ended in Jul. 2021 is calculated as

Here, for the fiscal year that ended in Jul. 2021, Gurans Life Insurance Co's Interest Expense was NPR-936 Mil. Its EBIT was NPR3,191 Mil. And its Long-Term Debt & Capital Lease Obligation was NPR0 Mil.

Interest Coverage=-1* EBIT (A: Jul. 2021 )/Interest Expense (A: Jul. 2021 )
=-1*3190.622/-936.493
=3.41

Gurans Life Insurance Co's Interest Coverage for the quarter that ended in Jan. 2023 is calculated as

Here, for the three months ended in Jan. 2023, Gurans Life Insurance Co's Interest Expense was NPR-35 Mil. Its EBIT was NPR0 Mil. And its Long-Term Debt & Capital Lease Obligation was NPR0 Mil.

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 0 (At Loss) mean?
Gurans Life Insurance Co (XNEP:GLICL) has a Interest Coverage of 0 (At Loss) as of Jan. 2023. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Gurans Life Insurance Co and its competitors.
Is Gurans Life Insurance Co's Interest Coverage too high?
Gurans Life Insurance Co's current Interest Coverage is 0 (At Loss). Overall, Gurans Life Insurance Co has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Gurans Life Insurance Co's Interest Coverage compare to MET and PRU?
Gurans Life Insurance Co's Interest Coverage of 0 (At Loss) can be compared against companies in the Insurance industry. The industry median Interest Coverage is 16.25. 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 16.25, based on 352 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. 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 Gurans Life Insurance Co and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gurans Life Insurance Co's current Interest Coverage is 0 (At Loss). However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gurans Life Insurance Co stock overvalued right now?
Gurans Life Insurance Co (XNEP:GLICL) has a current Interest Coverage of 0 (At Loss). The current Interest Coverage is 0 (At Loss). Gurans Life Insurance Co's overall GF Score™ is 26/100. 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 Gurans Life Insurance Co (XNEP:GLICL), the current Interest Coverage is 0 (At Loss) as of Jan. 2023. 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.

Gurans Life Insurance Co Business Description

Address Shree Raj Bhawan, Subidhanagar-Tinkune, Kathmandu, NPL
Gurans Life Insurance Co Ltd is a life insurance company in Nepal. It offers Gurans Agrim Bhuktani, Gurans Jeevan Shree Beema Yojana, Gurans Bal Surakhsya Jeevan Bima Yojana and Gurans Foreign Employment Policy, among others. Business Segments of the Company's are: Endowment; Anticipated Endowment; Endowment Cum Whole Life; Whole Life; Foreign Employment Term ;Other (Foreign Employment) Term - Pool; Special Term and Others (Micro).
26GF Score

Get the complete analysis for XNEP:GLICL

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR344.00
Price