FirstcautionXPAR:MLFIR 84 Interest Coverage is 20.08 as of Dec. 2025, which is 65% above its 10-year median of 12.17. GuruFocus rates XPAR:MLFIR with a GF Score™ of 84/100 and a GF Value™ of €51.58 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 351 Insurance companies, Firstcaution ranks better than 54.99% 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. Firstcaution's
EBIT
for the
six
months ended in Dec. 2025 was €3.05 Mil. Firstcaution's Interest Expense for the
six
months ended in Dec. 2025 was €-0.15 Mil.
Firstcaution's interest coverage for the quarter that ended in Dec. 2025 was 20.08.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Firstcaution's Interest Coverage or its related term are showing as below:
XPAR:MLFIR'
s Interest Coverage Range Over the Past 10 Years
Min: 1.18 Med: 12.17 Max: 20.08
Current: 20.08
XPAR:MLFIR's Interest Coverage is ranked better than 54.99% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs XPAR:MLFIR: 20.08
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 .
Firstcaution Interest Coverage Related Terms
Firstcaution Interest Coverage Historical Data
* Premium members only.
The historical data trend for Firstcaution'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.
XPAR:MLFIR vs MRSH, AON, AJG: Interest Coverage Comparison
For the Insurance Brokers subindustry, Firstcaution'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.
Firstcaution Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Firstcaution's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Firstcaution'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.
Firstcaution (XPAR:MLFIR) has a Interest Coverage of 20.08 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Firstcaution and its competitors. This is 65% above median its historical median of 12.17. Over the past decade, Firstcaution's Interest Coverage has ranged from 1.18 to 20.08. According to the industry distribution chart, Firstcaution ranks #158 out of 351 companies in the Insurance industry, placing it in the top 45%.
Is Firstcaution's Interest Coverage too high?
Firstcaution's current Interest Coverage of 20.08 is 65% above median its 10-year median of 12.17. Over the past 10 years, this metric has ranged from a low of 1.18 to a high of 20.08. The Insurance industry median Interest Coverage is 16.23. Firstcaution's value of 20.08 is 23.7% above this industry median. Based on the distribution chart, Firstcaution ranks #158 out of 351 companies in the Insurance industry, which is above the industry midpoint. Overall, Firstcaution has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Firstcaution's Interest Coverage compare to MRSH and AON?
According to the Insurance industry distribution chart, Firstcaution ranks #158 out of 351 companies for Interest Coverage. This puts Firstcaution in the upper half of its industry. The industry median Interest Coverage is 16.23. Firstcaution's value of 20.08 is 23.7% above this benchmark. Historically, Firstcaution's own Interest Coverage has ranged from 1.18 to 20.08 over the past decade. While the company's 10-year median is 12.17 vs. the industry median of 16.23, Firstcaution 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 16.23, based on 351 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. Firstcaution's current Interest Coverage of 20.08 is 23.7% 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 Firstcaution and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firstcaution's current Interest Coverage is 20.08, which is 65% above median its own 10-year median of 12.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Firstcaution stock overvalued right now?
Based on GuruFocus' analysis, Firstcaution (XPAR:MLFIR) is currently considered Significantly Undervalued. The stock's GF Value™ is €51.58, compared to a current price of €32.00 — trading 38% below its estimated fair value. The current Interest Coverage is 20.08, which is 65% above median its 10-year median of 12.17 and 23.7% above the Insurance industry median of 16.23. Firstcaution's overall GF Score™ is 84/100 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 Firstcaution (XPAR:MLFIR), the current Interest Coverage is 20.08 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 Firstcaution (XPAR:MLFIR) Overvalued in 2026?
Based on GuruFocus' analysis, Firstcaution stock appears to be undervalued.
The current stock price of €32.00 is trading 38% below its estimated GF Value™ of €51.58.
GuruFocus considers Firstcaution to be Significantly Undervalued.
Key valuation signals for XPAR:MLFIR:
Interest Coverage: 20.08 (65% above median its 10-year median of 12.17)
GF Value™: €51.58 vs. price of €32.00 (38% below fair value)
Industry Position: 23.7% above the Insurance median (#158 of 351)
No single metric tells the full story. See the XPAR:MLFIR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Firstcaution SA is an insurance company engaged in processing and providing rental deposit guarantees for private and commercial leases in Switzerland. It offers commercial lease deposit, combined cash deposit and guarantee, and individual risk assessment products to business customers; and guarantees for residential or commercial leases of private customers.
84GF Score
Get the complete analysis for XPAR:MLFIR
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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