Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the interest coverage ratio high or low?
The interest coverage ratio of 21.10x is 12% below its 5-year average of 23.96x, around the middle of its 5-year range (1.84x–46.17x).
6.65% below its 12-month average of 22.60x.
Reported quarterly interest coverage; no daily interpolation.
INTEREST COVERAGE RATIO
21.10x
INTEREST COVERAGE RATIO AVG TTM
22.60x
INTEREST COVERAGE RATIO AVG 3Y
25.06x
INTEREST COVERAGE RATIO AVG 5Y
23.96x
INTEREST COVERAGE RATIO AVG 10Y
18.67x
INTEREST COVERAGE RATIO AVG 15Y
17.16x
INTEREST COVERAGE RATIO AVG 20Y
19.78x
CURRENT VS TTM AVG
-6.65%
CURRENT VS 3Y AVG
-15.81%
CURRENT VS 5Y AVG
-11.95%
CURRENT VS 10Y AVG
+13.00%
CURRENT VS 15Y AVG
+22.96%
CURRENT VS 20Y AVG
+6.65%
SECTOR MEDIAN · FINANCIAL SERVICES
5.24x
median of 97 covered companies
CURRENT VS SECTOR MEDIAN
+302.67%
vs the sector median at left
Aflac Incorporated
Market Cap
$58.61B
Interest Coverage Ratio
21.10x
TTM Avg
22.60x
3Y Avg
25.06x
5Y Avg
23.96x
Market Cap
$61.45B
Interest Coverage Ratio
4.39x
TTM Avg
4.90x
3Y Avg
4.67x
5Y Avg
5.92x
Market Cap
$62.98B
Interest Coverage Ratio
0.63x
TTM Avg
0.63x
3Y Avg
1.83x
5Y Avg
4.31x
Market Cap
$53.13B
Interest Coverage Ratio
26.49x
TTM Avg
26.49x
3Y Avg
26.49x
5Y Avg
26.49x
Market Cap
$53.11B
Interest Coverage Ratio
0.43x
TTM Avg
0.40x
3Y Avg
0.83x
5Y Avg
178.01x
Market Cap
$64.60B
Interest Coverage Ratio
3.99x
TTM Avg
4.99x
3Y Avg
5.69x
5Y Avg
5.66x
Market Cap
$65.25B
Interest Coverage Ratio
32.97x
TTM Avg
23.68x
3Y Avg
23.68x
5Y Avg
22.09x
Market Cap
$50.04B
Interest Coverage Ratio
14.82x
TTM Avg
14.39x
3Y Avg
15.15x
5Y Avg
15.34x
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Aflac Incorporated (AFL) | $58.61B | 21.10x | 22.60x | 25.06x | 23.96x |
| MetLife, Inc. (MET)vs › | $61.45B | 4.39x | 4.90x | 4.67x | 5.92x |
| Truist Financial Corporation (TFC)vs › | $62.98B | 0.63x | 0.63x | 1.83x | 4.31x |
| Nasdaq, Inc. (NDAQ)vs › | $53.13B | 26.49x | 26.49x | 26.49x | 26.49x |
| State Street Corporation (STT)vs › | $53.11B | 0.43x | 0.40x | 0.83x | 178.01x |
| Arthur J. Gallagher & Co. (AJG)vs › | $64.60B | 3.99x | 4.99x | 5.69x | 5.66x |
| The Allstate Corporation (ALL)vs › | $65.25B | 32.97x | 23.68x | 23.68x | 22.09x |
| Aon plc (AON)vs › | $66.99B | 5.33x | 5.10x | 6.77x | 6.98x |
| Ameriprise Financial, Inc. (AMP)vs › | $50.04B | 14.82x | 14.39x | 15.15x | 15.34x |
| Fifth Third Bancorp (FITB)vs › | $49.40B | 0.82x | 0.71x | 1.34x | 2.60x |
Interest Coverage
21.1x
Debt/Equity
0.29
Current Ratio
11.31
Formula: Interest Coverage = EBIT / Interest Expense
Reference ranges:
Note: Interest coverage should be compared with historical interest expense, operating income, and industry capital structure.
Interest Coverage = EBIT / Interest Expense
The interest coverage ratio measures operating earnings relative to interest expense.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | INTEREST COVERAGE RATIO |
|---|---|
| 2026-06-30 | 15.55x |
| 2026-03-31 | 20.42x |
| 2025-12-31 | 26.26x |
| 2025-09-30 | 34.98x |
| 2025-06-30 | 15.81x |
| 2025-03-31 | 2.90x |
| 2024-12-31 | 42.70x |
| 2024-09-30 | 1.84x |
| 2024-06-30 | 40.38x |
| 2024-03-31 | 46.17x |
| 2023-12-31 | 6.17x |
| 2023-09-30 | 36.84x |
| 2023-06-30 | 35.78x |
| 2023-03-31 | 27.96x |
| 2022-12-31 | 9.53x |
| 2022-09-30 | 22.53x |
| 2022-06-30 | 31.05x |
| 2022-03-31 | 23.11x |
| 2021-12-31 | 21.61x |
| 2021-09-30 | 19.53x |
| 2021-06-30 | 22.15x |
| 2021-03-31 | 25.85x |
| 2020-12-31 | 19.95x |
| 2020-09-30 | 18.30x |
| 2020-06-30 | 16.98x |
| 2020-03-31 | 13.09x |
| 2019-12-31 | 18.54x |
| 2019-09-30 | 18.18x |
| 2019-06-30 | 19.46x |
| 2019-03-31 | 21.41x |
| 2018-12-31 | 12.45x |
| 2018-09-30 | 21.62x |
| 2018-06-30 | 20.94x |
| 2018-03-31 | 17.54x |
| 2017-12-31 | 16.93x |
| 2017-09-30 | 18.22x |
| 2017-06-30 | 17.13x |
| 2017-03-31 | 14.48x |
| 2016-12-31 | 16.01x |
| 2016-09-30 | 14.82x |
| 2016-06-30 | 12.64x |
| 2016-03-31 | 17.18x |
| 2015-12-31 | 17.08x |
| 2015-09-30 | 12.90x |
| 2015-06-30 | 11.81x |
| 2015-03-31 | 12.20x |
| 2014-12-31 | 13.61x |
| 2014-09-30 | 13.95x |
| 2014-06-30 | 15.28x |
| 2014-03-31 | 13.80x |
| 2013-12-31 | 12.54x |
| 2013-09-30 | 15.06x |
| 2013-06-30 | 19.68x |
| 2013-03-31 | 19.17x |
| 2012-12-31 | 11.72x |
| 2012-09-30 | 22.09x |
| 2012-06-30 | 11.95x |
| 2012-03-31 | 21.09x |
| 2011-12-31 | 15.74x |
| 2011-09-30 | 21.00x |
| 2011-06-30 | 9.65x |
| 2011-03-31 | 13.13x |
| 2010-12-31 | 15.16x |
| 2010-09-30 | 27.05x |
| 2010-06-30 | 26.94x |
| 2010-03-31 | 29.52x |
| 2009-12-31 | 13.15x |
| 2009-09-30 | 21.96x |
| 2009-06-30 | 33.79x |
| 2009-03-31 | 108.88x |
| 2008-12-31 | 37.50x |
| 2008-09-30 | 21.14x |
| 2008-06-30 | 105.71x |
| 2008-03-31 | 103.71x |
| 2007-12-31 | 83.71x |
| 2007-09-30 | 107.00x |
| 2007-06-30 | 105.83x |
| 2007-03-31 | 79.50x |
| 2006-12-31 | 101.60x |
| 2006-09-30 | 139.25x |
| 2006-06-30 | 124.80x |
| 2006-03-31 | 115.00x |
| 2005-12-31 | 93.17x |
| 2005-09-30 | 107.50x |
| 2005-06-30 | 86.00x |
| 2005-03-31 | 84.33x |
| 2004-12-31 | 74.83x |
| 2004-09-30 | 75.17x |
| 2004-06-30 | 68.83x |
| 2004-03-31 | 77.67x |
| 2003-12-31 | 17.67x |
| 2003-09-30 | 61.83x |
| 2003-06-30 | 75.40x |
| 2003-03-31 | 74.00x |
| 2002-12-31 | 49.17x |
| 2002-09-30 | 71.40x |
