Gemlife Communities GroupASX:GLF -1.93%18 Interest Coverage is 3.57 as of Dec. 2025, which is 30% above its 10-year median of 2.75. GuruFocus rates ASX:GLF with a GF Score™ of 18/100. The stock has 7 warning signs investors should review. Among 1,296 Real Estate companies, Gemlife Communities Group ranks worse than 54.63% 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. Gemlife Communities Group's
Operating Income
for the
six
months ended in Dec. 2025 was A$87.4 Mil. Gemlife Communities Group's Interest Expense for the
six
months ended in Dec. 2025 was A$-24.5 Mil.
Gemlife Communities Group's interest coverage for the quarter that ended in Dec. 2025 was 3.57.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Gemlife Communities Group interest coverage is 3.57, which is low.
The historical rank and industry rank for Gemlife Communities Group's Interest Coverage or its related term are showing as below:
ASX:GLF'
s Interest Coverage Range Over the Past 10 Years
Min: 1.8 Med: 2.75 Max: 3.57
Current: 3.57
ASX:GLF's Interest Coverage is ranked worse than 54.63% of 1296
companies
in the Real Estate industry
Industry Median: 4.245
vs ASX:GLF: 3.57
Gemlife Communities Group (ASX:GLF) 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 .
Gemlife Communities Group Interest Coverage Related Terms
Gemlife Communities Group 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.
Gemlife Communities Group Interest Coverage Chart
Gemlife Communities Group Annual Data
Trend
Dec22
Dec23
Dec24
Dec25
Interest Coverage
1.80
2.61
2.88
3.57
Gemlife Communities Group Semi-Annual Data
Dec22
Dec23
Dec24
Dec25
Interest Coverage
1.80
2.61
2.88
3.57
Gemlife Communities Group Interest Coverage Competitor Comparison
For the Real Estate - Development subindustry, Gemlife Communities Group'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.
Gemlife Communities Group Interest Coverage vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Gemlife Communities Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Gemlife Communities Group's Interest Coverage falls into.
Gemlife Communities Group 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.
Gemlife Communities Group (ASX:GLF) has a Interest Coverage of 3.57 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Gemlife Communities Group and its competitors. This is 30% above median its historical median of 2.75. Over the past decade, Gemlife Communities Group's Interest Coverage has ranged from 1.80 to 3.57. According to the industry distribution chart, Gemlife Communities Group ranks #708 out of 1296 companies in the Real Estate industry, placing it in the top 54.6%.
Is Gemlife Communities Group's Interest Coverage too high?
Gemlife Communities Group's current Interest Coverage of 3.57 is 30% above median its 10-year median of 2.75. Over the past 10 years, this metric has ranged from a low of 1.80 to a high of 3.57. The Real Estate industry median Interest Coverage is 4.25. Gemlife Communities Group's value of 3.57 is 15.9% below this industry median. Based on the distribution chart, Gemlife Communities Group ranks #708 out of 1296 companies in the Real Estate industry, which is below the industry midpoint. Overall, Gemlife Communities Group has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Gemlife Communities Group's Interest Coverage compare to competitors?
According to the Real Estate industry distribution chart, Gemlife Communities Group ranks #708 out of 1296 companies for Interest Coverage. This places Gemlife Communities Group in the lower half of its industry. The industry median Interest Coverage is 4.25. Gemlife Communities Group's value of 3.57 is 15.9% below this benchmark. Historically, Gemlife Communities Group's own Interest Coverage has ranged from 1.80 to 3.57 over the past decade. While the company's 10-year median is 2.75 vs. the industry median of 4.25, Gemlife Communities Group 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 a Real Estate company?
The median Interest Coverage among Real Estate companies is 4.25, based on 1,296 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. Gemlife Communities Group's current Interest Coverage of 3.57 is 15.9% 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 Gemlife Communities Group and its competitors. For the Real Estate industry, the median Interest Coverage is 4.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gemlife Communities Group's current Interest Coverage is 3.57, which is 30% above median its own 10-year median of 2.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gemlife Communities Group stock overvalued right now?
Gemlife Communities Group (ASX:GLF) has a current Interest Coverage of 3.57. The current Interest Coverage is 3.57, which is 30% above median its 10-year median of 2.75 and 15.9% below the Real Estate industry median of 4.25. Gemlife Communities Group's overall GF Score™ is 18/100 with 7 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 Gemlife Communities Group (ASX:GLF), the current Interest Coverage is 3.57 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.
GemLife Communities Group is a developer, builder, owner, and operator within Australia's Land Lease Community (LLC) sector. It provides premium resort-style living for homeowners aged 50 and over, designed to support a high-quality, active, and socially engaged lifestyle. GemLife focuses on delivering master-planned residential communities to senior downsizers, with homes that are low-maintenance and equipped with recreational and leisure facilities to support community-oriented living. It has two reportable segments: Development and Community Operations. Maximum revenue is generated from the Development segment, which develops the land and sells the home on behalf of the landowner. The Community Operations segment is responsible for the maintenance of the common areas of the communities.
18GF Score
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