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. ZhongAn Online P&C Insurance Co's
EBIT
for the
six
months ended in Dec. 2025 was $124 Mil. ZhongAn Online P&C Insurance Co's Interest Expense for the
six
months ended in Dec. 2025 was $-15 Mil.
ZhongAn Online P&C Insurance Co's interest coverage for the quarter that ended in Dec. 2025 was 8.04.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for ZhongAn Online P&C Insurance Co's Interest Coverage or its related term are showing as below:
ZZHGF'
s Interest Coverage Range Over the Past 10 Years
Min: 1.63 Med: 4.5 Max: 65
Current: 5.87
ZZHGF's Interest Coverage is ranked worse than 73.94% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs ZZHGF: 5.87
ZhongAn Online P&C Insurance Co (OTCPK:ZZHGF) 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 .
ZhongAn Online P&C Insurance Co Interest Coverage Related Terms
ZhongAn Online P&C Insurance Co 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.
ZhongAn Online P&C Insurance Co Interest Coverage Chart
ZZHGF vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, ZhongAn Online P&C 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.
ZhongAn Online P&C Insurance Co Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where ZhongAn Online P&C Insurance Co's Interest Coverage falls into.
ZhongAn Online P&C Insurance Co 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.
ZhongAn Online P&C Insurance Co (ZZHGF) has a Interest Coverage of 8.04 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on ZhongAn Online P&C Insurance Co and its competitors. This is 79% above median its historical median of 4.50. Over the past decade, ZhongAn Online P&C Insurance Co's Interest Coverage has ranged from 1.63 to 65.00. According to the industry distribution chart, ZhongAn Online P&C Insurance Co ranks #261 out of 353 companies in the Insurance industry, placing it in the top 73.9%.
Is ZhongAn Online P&C Insurance Co's Interest Coverage too high?
ZhongAn Online P&C Insurance Co's current Interest Coverage of 8.04 is 79% above median its 10-year median of 4.50. Over the past 10 years, this metric has ranged from a low of 1.63 to a high of 65.00. The Insurance industry median Interest Coverage is 16.26. ZhongAn Online P&C Insurance Co's value of 8.04 is 50.6% below this industry median. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #261 out of 353 companies in the Insurance industry, which is below the industry midpoint. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #261 out of 353 companies for Interest Coverage. This places ZhongAn Online P&C Insurance Co in the lower half of its industry. The industry median Interest Coverage is 16.26. ZhongAn Online P&C Insurance Co's value of 8.04 is 50.6% below this benchmark. Historically, ZhongAn Online P&C Insurance Co's own Interest Coverage has ranged from 1.63 to 65.00 over the past decade. While the company's 10-year median is 4.50 vs. the industry median of 16.26, ZhongAn Online P&C Insurance Co 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 16.26, based on 353 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. ZhongAn Online P&C Insurance Co's current Interest Coverage of 8.04 is 50.6% 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 ZhongAn Online P&C Insurance Co and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZhongAn Online P&C Insurance Co's current Interest Coverage is 8.04, which is 79% above median its own 10-year median of 4.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZhongAn Online P&C Insurance Co stock overvalued right now?
ZhongAn Online P&C Insurance Co (ZZHGF) has a current Interest Coverage of 8.04. The stock's GF Value™ is $2.75, compared to a current price of $1.50 — trading 45.5% below its estimated fair value. The current Interest Coverage is 8.04, which is 79% above median its 10-year median of 4.50 and 50.6% below the Insurance industry median of 16.26. ZhongAn Online P&C 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 ZhongAn Online P&C Insurance Co (ZZHGF), the current Interest Coverage is 8.04 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 ZhongAn Online P&C Insurance Co (ZZHGF) Overvalued in 2026?
Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co stock appears to be undervalued.
The current stock price of $1.50 is trading 45.5% below its estimated GF Value™ of $2.75.
Key valuation signals for ZZHGF:
Interest Coverage: 8.04 (79% above median its 10-year median of 4.50)
GF Value™: $2.75 vs. price of $1.50 (45.5% below fair value)
Industry Position: 50.6% below the Insurance median (#261 of 353)
No single metric tells the full story. See the ZZHGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ZhongAn Online P&C Insurance Co Business Description
ZhongAn Online P&C Insurance Co Ltd is principally engaged in Fintech business, which mainly provides internet insurance services and insurance information technology services to customers. Its operating segments includes; Insurance, Technology, Banking, and Others. The insurance segment offers online property and casualty insurance and services in the PRC and generates majority of the company's revenue.
84GF Score
Get the complete analysis for ZZHGF
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
ZZHGF has been successfully added to your 
