Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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. Migdal Insurance & Financial Holdings's
EBIT
for the
three
months ended in Mar. 2026 was ₪584 Mil. Migdal Insurance & Financial Holdings's Interest Expense for the
three
months ended in Mar. 2026 was ₪-87 Mil.
Migdal Insurance & Financial Holdings's interest coverage for the quarter that ended in Mar. 2026 was 6.71.
The higher the ratio, the stronger the company's financial strength is.
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 .
Migdal Insurance & Financial Holdings Interest Coverage Related Terms
Migdal Insurance & Financial Holdings 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.
XTAE:MGDL vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, Migdal Insurance & Financial Holdings'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.
Migdal Insurance & Financial Holdings Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Migdal Insurance & Financial Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Migdal Insurance & Financial Holdings'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.
Migdal Insurance & Financial Holdings (XTAE:MGDL) has a Interest Coverage of 6.71 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Migdal Insurance & Financial Holdings and its competitors. This is 31% above median its historical median of 5.12. Over the past decade, Migdal Insurance & Financial Holdings' Interest Coverage has ranged from 0.16 to 13.32. According to the industry distribution chart, Migdal Insurance & Financial Holdings ranks #209 out of 350 companies in the Insurance industry, placing it in the top 59.7%.
Is Migdal Insurance & Financial Holdings' Interest Coverage too high?
Migdal Insurance & Financial Holdings' current Interest Coverage of 6.71 is 31% above median its 10-year median of 5.12. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 13.32. The Insurance industry median Interest Coverage is 15.43. Migdal Insurance & Financial Holdings' value of 6.71 is 56.5% below this industry median. Based on the distribution chart, Migdal Insurance & Financial Holdings ranks #209 out of 350 companies in the Insurance industry, which is below the industry midpoint. Overall, Migdal Insurance & Financial Holdings has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Migdal Insurance & Financial Holdings' Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Migdal Insurance & Financial Holdings ranks #209 out of 350 companies for Interest Coverage. This places Migdal Insurance & Financial Holdings in the lower half of its industry. The industry median Interest Coverage is 15.43. Migdal Insurance & Financial Holdings' value of 6.71 is 56.5% below this benchmark. Historically, Migdal Insurance & Financial Holdings' own Interest Coverage has ranged from 0.16 to 13.32 over the past decade. While the company's 10-year median is 5.12 vs. the industry median of 15.43, Migdal Insurance & Financial Holdings 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 15.43, 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. Migdal Insurance & Financial Holdings's current Interest Coverage of 6.71 is 56.5% 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 Migdal Insurance & Financial Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 15.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Migdal Insurance & Financial Holdings's current Interest Coverage is 6.71, which is 31% above median its own 10-year median of 5.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Migdal Insurance & Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Migdal Insurance & Financial Holdings (XTAE:MGDL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪7.69, compared to a current price of ₪18.38 — trading 139% above its estimated fair value. The current Interest Coverage is 6.71, which is 31% above median its 10-year median of 5.12 and 56.5% below the Insurance industry median of 15.43. Migdal Insurance & Financial Holdings' overall GF Score™ is 67/100 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 Migdal Insurance & Financial Holdings (XTAE:MGDL), the current Interest Coverage is 6.71 as of Mar. 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 Migdal Insurance & Financial Holdings (XTAE:MGDL) Overvalued in 2026?
Based on GuruFocus' analysis, Migdal Insurance & Financial Holdings stock appears to be overvalued.
The current stock price of ₪18.38 is trading 139% above its estimated GF Value™ of ₪7.69.
GuruFocus considers Migdal Insurance & Financial Holdings to be Significantly Overvalued.
Key valuation signals for XTAE:MGDL:
Interest Coverage: 6.71 (31% above median its 10-year median of 5.12)
GF Value™: ₪7.69 vs. price of ₪18.38 (139% above fair value)
Industry Position: 56.5% below the Insurance median (#209 of 350)
No single metric tells the full story. See the XTAE:MGDL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Migdal Insurance & Financial Holdings Ltd is a diversified insurance and finance company in Israel. The company provides a wide variety of insurance, pension, and financial asset management services. The group's key areas of activity include life insurance, health insurance, general insurance, and financial services. Migdal's asset management department includes divisions in credit, real estate, and private equity.
67GF Score
Get the complete analysis for XTAE:MGDL
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTAE:MGDL has been successfully added to your 
