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NLG Insurance CoXNEP:NLG +1.76%84 Interest Coverage is 16.76 as of Apr. 2026, which is 38% above its 10-year median of 12.14. GuruFocus rates XNEP:NLG with a GF Score™ of 84/100 and a GF Value™ of NPR874.66 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 350 Insurance companies, NLG Insurance Co ranks worse than 59.14% 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. NLG Insurance Co's
EBIT
for the
three
months ended in Apr. 2026 was NPR36 Mil. NLG Insurance Co's Interest Expense for the
three
months ended in Apr. 2026 was NPR-2 Mil.
NLG Insurance Co's interest coverage for the quarter that ended in Apr. 2026 was 16.76.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for NLG Insurance Co's Interest Coverage or its related term are showing as below:
XNEP:NLG'
s Interest Coverage Range Over the Past 10 Years
Min: 1.46 Med: 12.14 Max: 36.36
Current: 11.64
XNEP:NLG's Interest Coverage is ranked worse than 59.14% of 350
companies
in the Insurance industry
Industry Median: 16.145
vs XNEP:NLG: 11.64
NLG Insurance Co (XNEP:NLG) 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 .
NLG Insurance Co Interest Coverage Related Terms
NLG Insurance Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for NLG 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:NLG vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, NLG 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.
NLG Insurance Co Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, NLG Insurance Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where NLG Insurance Co'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.
NLG Insurance Co (XNEP:NLG) has a Interest Coverage of 16.76 as of Apr. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on NLG Insurance Co and its competitors. This is 38% above median its historical median of 12.14. Over the past decade, NLG Insurance Co's Interest Coverage has ranged from 1.46 to 36.36. According to the industry distribution chart, NLG Insurance Co ranks #207 out of 350 companies in the Insurance industry, placing it in the top 59.1%.
Is NLG Insurance Co's Interest Coverage too high?
NLG Insurance Co's current Interest Coverage of 16.76 is 38% above median its 10-year median of 12.14. Over the past 10 years, this metric has ranged from a low of 1.46 to a high of 36.36. The Insurance industry median Interest Coverage is 16.15. NLG Insurance Co's value of 16.76 is 3.8% above this industry median. Based on the distribution chart, NLG Insurance Co ranks #207 out of 350 companies in the Insurance industry, which is below the industry midpoint. Overall, NLG Insurance Co has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NLG Insurance Co's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NLG Insurance Co ranks #207 out of 350 companies for Interest Coverage. This places NLG Insurance Co in the lower half of its industry. The industry median Interest Coverage is 16.15. NLG Insurance Co's value of 16.76 is 3.8% above this benchmark. Historically, NLG Insurance Co's own Interest Coverage has ranged from 1.46 to 36.36 over the past decade. While the company's 10-year median is 12.14 vs. the industry median of 16.15, NLG Insurance Co 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 16.15, 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. NLG Insurance Co's current Interest Coverage of 16.76 is 3.8% 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 NLG 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. NLG Insurance Co's current Interest Coverage is 16.76, which is 38% above median its own 10-year median of 12.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLG Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, NLG Insurance Co (XNEP:NLG) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR874.66, compared to a current price of NPR585.00 — trading 33.1% below its estimated fair value. The current Interest Coverage is 16.76, which is 38% above median its 10-year median of 12.14 and 3.8% above the Insurance industry median of 16.15. NLG Insurance Co's overall GF Score™ is 84/100 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 NLG Insurance Co (XNEP:NLG), the current Interest Coverage is 16.76 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.
Is NLG Insurance Co (XNEP:NLG) Overvalued in 2026?
Based on GuruFocus' analysis, NLG Insurance Co stock appears to be undervalued.
The current stock price of NPR585.00 is trading 33.1% below its estimated GF Value™ of NPR874.66.
GuruFocus considers NLG Insurance Co to be Significantly Undervalued.
Key valuation signals for XNEP:NLG:
Interest Coverage: 16.76 (38% above median its 10-year median of 12.14)
GF Value™: NPR874.66 vs. price of NPR585.00 (33.1% below fair value)
Industry Position: 3.8% above the Insurance median (#207 of 350)
No single metric tells the full story. See the XNEP:NLG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NLG Insurance Co Ltd is a composite insurance company. It provides non-life insurance products. The company's offerings include Motor, Property, Engineering, Marine, Aviation, Agriculture, and Miscellaneous Insurance.
84GF Score
Get the complete analysis for XNEP:NLG
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