Lovisa HoldingsASX:LOV +0.69%97 Interest Coverage is 8.00 as of Dec. 2025, which is 25% below its 10-year median of 10.61. GuruFocus rates ASX:LOV with a GF Score™ of 97/100 and a GF Value™ of A$39.35 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 828 Retail - Cyclical companies, Lovisa Holdings ranks worse than 55.07% 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. Lovisa Holdings's
Operating Income
for the
six
months ended in Dec. 2025 was A$101.0 Mil. Lovisa Holdings's Interest Expense for the
six
months ended in Dec. 2025 was A$-12.6 Mil.
Lovisa Holdings's interest coverage for the quarter that ended in Dec. 2025 was 8.00.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Lovisa Holdings's Interest Coverage or its related term are showing as below:
ASX:LOV'
s Interest Coverage Range Over the Past 10 Years
Min: 6.21 Med: 10.61 Max: 464.2
Current: 6.36
ASX:LOV's Interest Coverage is ranked worse than 55.07% of 828
companies
in the Retail - Cyclical industry
Industry Median: 7.915
vs ASX:LOV: 6.36
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 .
Lovisa Holdings Interest Coverage Related Terms
Lovisa Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Lovisa Holdings's Interest Coverage can be seen below:
* 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.
ASX:LOV vs CASY, WSM, ULTA: Interest Coverage Comparison
For the Specialty Retail subindustry, Lovisa 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.
Lovisa Holdings Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Lovisa Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Lovisa 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.
Lovisa Holdings (ASX:LOV) has a Interest Coverage of 8.00 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Lovisa Holdings and its competitors. This is 25% below median its historical median of 10.61. Over the past decade, Lovisa Holdings' Interest Coverage has ranged from 6.21 to 464.20. According to the industry distribution chart, Lovisa Holdings ranks #456 out of 828 companies in the Retail - Cyclical industry, placing it in the top 55.1%.
Is Lovisa Holdings' Interest Coverage too high?
Lovisa Holdings' current Interest Coverage of 8.00 is 25% below median its 10-year median of 10.61. Over the past 10 years, this metric has ranged from a low of 6.21 to a high of 464.20. The Retail - Cyclical industry median Interest Coverage is 7.92. Lovisa Holdings' value of 8.00 is 1.1% above this industry median. Based on the distribution chart, Lovisa Holdings ranks #456 out of 828 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Lovisa Holdings has a GF Score™ of 97/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lovisa Holdings' Interest Coverage compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Lovisa Holdings ranks #456 out of 828 companies for Interest Coverage. This places Lovisa Holdings in the lower half of its industry. The industry median Interest Coverage is 7.92. Lovisa Holdings' value of 8.00 is 1.1% above this benchmark. Historically, Lovisa Holdings' own Interest Coverage has ranged from 6.21 to 464.20 over the past decade. While the company's 10-year median is 10.61 vs. the industry median of 7.92, Lovisa Holdings has consistently been above 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 Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.92, based on 828 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. Lovisa Holdings's current Interest Coverage of 8.00 is 1.1% above 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 Lovisa Holdings and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lovisa Holdings's current Interest Coverage is 8.00, which is 25% below median its own 10-year median of 10.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lovisa Holdings stock overvalued right now?
Based on GuruFocus' analysis, Lovisa Holdings (ASX:LOV) is currently considered Significantly Undervalued. The stock's GF Value™ is A$39.35, compared to a current price of A$23.25 — trading 40.9% below its estimated fair value. The current Interest Coverage is 8.00, which is 25% below median its 10-year median of 10.61 and 1.1% above the Retail - Cyclical industry median of 7.92. Lovisa Holdings' overall GF Score™ is 97/100 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 Lovisa Holdings (ASX:LOV), the current Interest Coverage is 8.00 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 Lovisa Holdings (ASX:LOV) Overvalued in 2026?
Based on GuruFocus' analysis, Lovisa Holdings stock appears to be undervalued.
The current stock price of A$23.25 is trading 40.9% below its estimated GF Value™ of A$39.35.
GuruFocus considers Lovisa Holdings to be Significantly Undervalued.
Key valuation signals for ASX:LOV:
Interest Coverage: 8.00 (25% below median its 10-year median of 10.61)
GF Value™: A$39.35 vs. price of A$23.25 (40.9% below fair value)
Industry Position: 1.1% above the Retail - Cyclical median (#456 of 828)
No single metric tells the full story. See the ASX:LOV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lovisa is a global fast-fashion retailer specializing in jewelry. A vertically integrated supply chain allows it to develop, source, and merchandise its exclusive products. Its target customer base is millennials seeking affordable and fashionable jewelry or receiving it as gifts. Lovisa's global network of own-operated and franchised stores span across more than 30 countries. Lovisa's sales growth record is largely underpinned by global store rollouts. The store format and offering is standardized globally, with stores typically in shopping centers and malls with relatively high foot traffic and sales per square meter. Lovisa also operates online stores and in-store piercing services in all its jurisdictions.
97GF Score
Get the complete analysis for ASX:LOV
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
ASX:LOV has been successfully added to your 
