Helvetia Baloise Holding AGXSWX:HBAN 81 Interest Coverage is 5.08 as of Dec. 2025, which is 16% below its 10-year median of 6.08. GuruFocus rates XSWX:HBAN with a GF Score™ of 81/100 and a GF Value™ of CHF184.54 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 351 Insurance companies, Helvetia Baloise Holding AG ranks worse than 71.79% 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. Helvetia Baloise Holding AG's
EBIT
for the
six
months ended in Dec. 2025 was CHF388 Mil. Helvetia Baloise Holding AG's Interest Expense for the
six
months ended in Dec. 2025 was CHF-77 Mil.
Helvetia Baloise Holding AG's interest coverage for the quarter that ended in Dec. 2025 was 5.08.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Helvetia Baloise Holding AG's Interest Coverage or its related term are showing as below:
XSWX:HBAN'
s Interest Coverage Range Over the Past 10 Years
Min: 3.6 Med: 6.08 Max: 126.02
Current: 6.31
XSWX:HBAN's Interest Coverage is ranked worse than 71.79% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs XSWX:HBAN: 6.31
Helvetia Baloise Holding AG (XSWX:HBAN) 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 .
Helvetia Baloise Holding AG Interest Coverage Related Terms
Helvetia Baloise Holding AG 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.
Helvetia Baloise Holding AG Interest Coverage Chart
XSWX:HBAN vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Helvetia Baloise Holding AG'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.
Helvetia Baloise Holding AG Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Helvetia Baloise Holding AG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Helvetia Baloise Holding AG's Interest Coverage falls into.
Helvetia Baloise Holding AG 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.
Helvetia Baloise Holding AG (XSWX:HBAN) has a Interest Coverage of 5.08 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Helvetia Baloise Holding AG and its competitors. This is 16% below median its historical median of 6.08. Over the past decade, Helvetia Baloise Holding AG's Interest Coverage has ranged from 3.60 to 126.02. According to the industry distribution chart, Helvetia Baloise Holding AG ranks #252 out of 351 companies in the Insurance industry, placing it in the top 71.8%.
Is Helvetia Baloise Holding AG's Interest Coverage too high?
Helvetia Baloise Holding AG's current Interest Coverage of 5.08 is 16% below median its 10-year median of 6.08. Over the past 10 years, this metric has ranged from a low of 3.60 to a high of 126.02. The Insurance industry median Interest Coverage is 16.23. Helvetia Baloise Holding AG's value of 5.08 is 68.7% below this industry median. Based on the distribution chart, Helvetia Baloise Holding AG ranks #252 out of 351 companies in the Insurance industry, which is below the industry midpoint. Overall, Helvetia Baloise Holding AG has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helvetia Baloise Holding AG's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Helvetia Baloise Holding AG ranks #252 out of 351 companies for Interest Coverage. This places Helvetia Baloise Holding AG in the lower half of its industry. The industry median Interest Coverage is 16.23. Helvetia Baloise Holding AG's value of 5.08 is 68.7% below this benchmark. Historically, Helvetia Baloise Holding AG's own Interest Coverage has ranged from 3.60 to 126.02 over the past decade. While the company's 10-year median is 6.08 vs. the industry median of 16.23, Helvetia Baloise Holding AG 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 16.23, 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. Helvetia Baloise Holding AG's current Interest Coverage of 5.08 is 68.7% 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 Helvetia Baloise Holding AG 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. Helvetia Baloise Holding AG's current Interest Coverage is 5.08, which is 16% below median its own 10-year median of 6.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Helvetia Baloise Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG (XSWX:HBAN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF184.54, compared to a current price of CHF209.00 — trading 13.3% above its estimated fair value. The current Interest Coverage is 5.08, which is 16% below median its 10-year median of 6.08 and 68.7% below the Insurance industry median of 16.23. Helvetia Baloise Holding AG's overall GF Score™ is 81/100 with 5 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 Helvetia Baloise Holding AG (XSWX:HBAN), the current Interest Coverage is 5.08 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 Helvetia Baloise Holding AG (XSWX:HBAN) Overvalued in 2026?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG stock appears to be overvalued.
The current stock price of CHF209.00 is trading 13.3% above its estimated GF Value™ of CHF184.54.
GuruFocus considers Helvetia Baloise Holding AG to be Modestly Overvalued.
Key valuation signals for XSWX:HBAN:
Interest Coverage: 5.08 (16% below median its 10-year median of 6.08)
GF Value™: CHF184.54 vs. price of CHF209.00 (13.3% above fair value)
Industry Position: 68.7% below the Insurance median (#252 of 351)
No single metric tells the full story. See the XSWX:HBAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Helvetia Baloise Holding AG is a multi-line insurance company. The company provides pension, specialty insurance and reinsurance services, and other financial solutions. The company represents it's seven reportable segments namely Switzerland, Spain, Germany, Belgium, Luxembourg, Italian and Austrian Markets, Specialty Markets, and Corporate and other. Company generates majority revenue from Switzerland business segment.
81GF Score
Get the complete analysis for XSWX:HBAN
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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