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Guardian Micro Life InsuranceXNEP:GMLI -1.55%40 Interest Coverage is 1.76 as of Apr. 2026, which is 92% below its 10-year median of 21.24. GuruFocus rates XNEP:GMLI with a GF Score™ of 40/100. The stock has 2 warning signs investors should review. Among 350 Insurance companies, Guardian Micro Life Insurance ranks better than 59.43% 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. Guardian Micro Life Insurance's
EBIT
for the
three
months ended in Apr. 2026 was NPR3.1 Mil. Guardian Micro Life Insurance's Interest Expense for the
three
months ended in Apr. 2026 was NPR-1.8 Mil.
Guardian Micro Life Insurance's interest coverage for the quarter that ended in Apr. 2026 was 1.76.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Guardian Micro Life Insurance's Interest Coverage or its related term are showing as below:
XNEP:GMLI'
s Interest Coverage Range Over the Past 10 Years
Min: 21.24 Med: 21.24 Max: 22.64
Current: 22.64
XNEP:GMLI's Interest Coverage is ranked better than 59.43% of 350
companies
in the Insurance industry
Industry Median: 16.145
vs XNEP:GMLI: 22.64
Guardian Micro Life Insurance (XNEP:GMLI) 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 .
Guardian Micro Life Insurance Interest Coverage Related Terms
Guardian Micro Life Insurance Interest Coverage Historical Data
* 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.
Guardian Micro Life Insurance Interest Coverage Chart
XNEP:GMLI vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, Guardian Micro Life Insurance'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.
Guardian Micro Life Insurance Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Guardian Micro Life Insurance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Guardian Micro Life Insurance's Interest Coverage falls into.
Guardian Micro Life Insurance 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.
Guardian Micro Life Insurance (XNEP:GMLI) has a Interest Coverage of 1.76 as of Apr. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Guardian Micro Life Insurance and its competitors. This is 92% below median its historical median of 21.24. Over the past decade, Guardian Micro Life Insurance's Interest Coverage has ranged from 21.24 to 22.64. According to the industry distribution chart, Guardian Micro Life Insurance ranks #142 out of 350 companies in the Insurance industry, placing it in the top 40.6%.
Is Guardian Micro Life Insurance's Interest Coverage too high?
Guardian Micro Life Insurance's current Interest Coverage of 1.76 is 92% below median its 10-year median of 21.24. Over the past 10 years, this metric has ranged from a low of 21.24 to a high of 22.64. The Insurance industry median Interest Coverage is 16.15. Guardian Micro Life Insurance's value of 1.76 is 89.1% below this industry median. Based on the distribution chart, Guardian Micro Life Insurance ranks #142 out of 350 companies in the Insurance industry, which is above the industry midpoint. Overall, Guardian Micro Life Insurance has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Guardian Micro Life Insurance's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Guardian Micro Life Insurance ranks #142 out of 350 companies for Interest Coverage. This puts Guardian Micro Life Insurance in the upper half of its industry. The industry median Interest Coverage is 16.15. Guardian Micro Life Insurance's value of 1.76 is 89.1% below this benchmark. Historically, Guardian Micro Life Insurance's own Interest Coverage has ranged from 21.24 to 22.64 over the past decade. While the company's 10-year median is 21.24 vs. the industry median of 16.15, Guardian Micro Life Insurance 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 16.15, 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. Guardian Micro Life Insurance's current Interest Coverage of 1.76 is 89.1% 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 Guardian Micro Life Insurance 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. Guardian Micro Life Insurance's current Interest Coverage is 1.76, which is 92% below median its own 10-year median of 21.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guardian Micro Life Insurance stock overvalued right now?
Guardian Micro Life Insurance (XNEP:GMLI) has a current Interest Coverage of 1.76. The current Interest Coverage is 1.76, which is 92% below median its 10-year median of 21.24 and 89.1% below the Insurance industry median of 16.15. Guardian Micro Life Insurance's overall GF Score™ is 40/100 with 2 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 Guardian Micro Life Insurance (XNEP:GMLI), the current Interest Coverage is 1.76 as of Apr. 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.
Guardian Micro Life Insurance Ltd life insurance company in Nepal. It offers a range of insurance products tailored to meet needs and budget, with personalized advice from experienced professionals. Its products are Micro Term Plan, Micro Endowment Plan, Micro Group Plan, Micro Moneyback Plan, and Micro Whole Life Plan.
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