Universal Modern IndustriesAMM:UMIC 89 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 121.65. GuruFocus rates AMM:UMIC with a GF Score™ of 89/100 and a GF Value™ of JOD1.93 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,507 Consumer Packaged Goods companies, Universal Modern Industries ranks better than 99.67% 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
Operating Income
by its Interest Expense. Universal Modern Industries's
Operating Income
for the
three
months ended in Mar. 2026 was JOD0.30 Mil. Universal Modern Industries's Interest Expense for the
three
months ended in Mar. 2026 was JOD0.00 Mil.
Universal Modern Industries has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Universal Modern Industries has enough cash to cover all of its debt. Its financial situation is stable.
(1) 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.
The historical rank and industry rank for Universal Modern Industries's Interest Coverage or its related term are showing as below:
AMM:UMIC'
s Interest Coverage Range Over the Past 10 Years
Min: 25.88 Med: 121.65 Max: No Debt
Current: No Debt
AMM:UMIC's Interest Coverage is ranked better than 99.67% of 1507
companies
in the Consumer Packaged Goods industry
Industry Median: 8.6
vs AMM:UMIC: No Debt
Universal Modern Industries (AMM:UMIC) 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 .
Universal Modern Industries Interest Coverage Related Terms
Universal Modern Industries 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.
Universal Modern Industries Interest Coverage Chart
AMM:UMIC vs KHC, GIS, HRL: Interest Coverage Comparison
For the Packaged Foods subindustry, Universal Modern Industries'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.
Universal Modern Industries Interest Coverage vs Consumer Packaged Goods Industry
For the Consumer Packaged Goods industry and Consumer Defensive sector, Universal Modern Industries's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Universal Modern Industries's Interest Coverage falls into.
Universal Modern Industries 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Universal Modern Industries (AMM:UMIC) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Universal Modern Industries and its competitors. This is 99% below median its historical median of 121.65. Over the past decade, Universal Modern Industries' Interest Coverage has ranged from 25.88 to 10,000.00. According to the industry distribution chart, Universal Modern Industries ranks #5 out of 1507 companies in the Consumer Packaged Goods industry, placing it in the top 0.3%.
Is Universal Modern Industries' Interest Coverage too high?
Universal Modern Industries' current Interest Coverage of No Debt (1) is 99% below median its 10-year median of 121.65. Over the past 10 years, this metric has ranged from a low of 25.88 to a high of 10,000.00. Based on the distribution chart, Universal Modern Industries ranks #5 out of 1507 companies in the Consumer Packaged Goods industry, which is in the top quartile — a strong position relative to peers. Overall, Universal Modern Industries has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Universal Modern Industries' Interest Coverage compare to KHC and GIS?
According to the Consumer Packaged Goods industry distribution chart, Universal Modern Industries ranks #5 out of 1507 companies for Interest Coverage. This places Universal Modern Industries in the top 0% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 8.60. Historically, Universal Modern Industries' own Interest Coverage has ranged from 25.88 to 10,000.00 over the past decade. 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 a Consumer Packaged Goods company?
The median Interest Coverage among Consumer Packaged Goods companies is 8.60, based on 1,507 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. 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 Universal Modern Industries and its competitors. For the Consumer Packaged Goods industry, the median Interest Coverage is 8.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Modern Industries's current Interest Coverage is No Debt (1), which is 99% below median its own 10-year median of 121.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Universal Modern Industries stock overvalued right now?
Based on GuruFocus' analysis, Universal Modern Industries (AMM:UMIC) is currently considered Fairly Valued. The stock's GF Value™ is JOD1.93, compared to a current price of JOD1.88 — trading 2.6% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 99% below median its 10-year median of 121.65. Universal Modern Industries' overall GF Score™ is 89/100 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 Universal Modern Industries (AMM:UMIC), the current Interest Coverage is No Debt (1) 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 Universal Modern Industries (AMM:UMIC) Overvalued in 2026?
Based on GuruFocus' analysis, Universal Modern Industries stock appears to be undervalued.
The current stock price of JOD1.88 is trading 2.6% below its estimated GF Value™ of JOD1.93.
GuruFocus considers Universal Modern Industries to be Fairly Valued.
Key valuation signals for AMM:UMIC:
Interest Coverage: No Debt (1) (99% below median its 10-year median of 121.65)
GF Value™: JOD1.93 vs. price of JOD1.88 (2.6% below fair value)
No single metric tells the full story. See the AMM:UMIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Universal Modern Industries is engaged in refining and filling of vegetable oil, which are used for food. The company products include Golden Corn, Golden Flower, Shahrazad, Sungold, Al-Kinz, Al-Balka, Sun Gold Shortening, and Sun Gold Margarine.
89GF Score
Get the complete analysis for AMM:UMIC
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