Plenti GroupASX:PLT +2.47%55 Interest Coverage is 0.93 as of Mar. 2026, which is 77% below its 10-year median of 4.05. GuruFocus rates ASX:PLT with a GF Score™ of 55/100 and a GF Value™ of A$1.09 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 163 Credit Services companies, Plenti Group ranks worse than 94.48% 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. Plenti Group's
Operating Income
for the
six
months ended in Mar. 2026 was A$146.1 Mil. Plenti Group's Interest Expense for the
six
months ended in Mar. 2026 was A$-156.9 Mil.
Plenti Group's interest coverage for the quarter that ended in Mar. 2026 was 0.93.
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. Plenti Group Ltd interest coverage is 1.07, which is low.
The historical rank and industry rank for Plenti Group's Interest Coverage or its related term are showing as below:
ASX:PLT'
s Interest Coverage Range Over the Past 10 Years
Min: 1.07 Med: 4.05 Max: 7.02
Current: 1.07
ASX:PLT's Interest Coverage is ranked worse than 94.48% of 163
companies
in the Credit Services industry
Industry Median: 47.86
vs ASX:PLT: 1.07
Plenti Group (ASX:PLT) 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 .
Plenti Group Interest Coverage Related Terms
Plenti Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Plenti Group'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:PLT vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Plenti 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.
Plenti Group Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Plenti Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Plenti Group'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.
Plenti Group (ASX:PLT) has a Interest Coverage of 0.93 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Plenti Group and its competitors. This is 77% below median its historical median of 4.05. Over the past decade, Plenti Group's Interest Coverage has ranged from 1.07 to 7.02. According to the industry distribution chart, Plenti Group ranks #154 out of 163 companies in the Credit Services industry, placing it in the top 94.5%.
Is Plenti Group's Interest Coverage too high?
Plenti Group's current Interest Coverage of 0.93 is 77% below median its 10-year median of 4.05. Over the past 10 years, this metric has ranged from a low of 1.07 to a high of 7.02. The Credit Services industry median Interest Coverage is 47.86. Plenti Group's value of 0.93 is 98.1% below this industry median. Based on the distribution chart, Plenti Group ranks #154 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Plenti Group has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Plenti Group's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Plenti Group ranks #154 out of 163 companies for Interest Coverage. This places Plenti Group in the lower half of its industry. The industry median Interest Coverage is 47.86. Plenti Group's value of 0.93 is 98.1% below this benchmark. Historically, Plenti Group's own Interest Coverage has ranged from 1.07 to 7.02 over the past decade. While the company's 10-year median is 4.05 vs. the industry median of 47.86, Plenti 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 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. Plenti Group's current Interest Coverage of 0.93 is 98.1% 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 Plenti Group and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plenti Group's current Interest Coverage is 0.93, which is 77% below median its own 10-year median of 4.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plenti Group stock overvalued right now?
Based on GuruFocus' analysis, Plenti Group (ASX:PLT) is currently considered Modestly Undervalued. The stock's GF Value™ is A$1.09, compared to a current price of A$0.83 — trading 23.9% below its estimated fair value. The current Interest Coverage is 0.93, which is 77% below median its 10-year median of 4.05 and 98.1% below the Credit Services industry median of 47.86. Plenti Group's overall GF Score™ is 55/100 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 Plenti Group (ASX:PLT), the current Interest Coverage is 0.93 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 Plenti Group (ASX:PLT) Overvalued in 2026?
Based on GuruFocus' analysis, Plenti Group stock appears to be undervalued.
The current stock price of A$0.83 is trading 23.9% below its estimated GF Value™ of A$1.09.
GuruFocus considers Plenti Group to be Modestly Undervalued.
Key valuation signals for ASX:PLT:
Interest Coverage: 0.93 (77% below median its 10-year median of 4.05)
GF Value™: A$1.09 vs. price of A$0.83 (23.9% below fair value)
Industry Position: 98.1% below the Credit Services median (#154 of 163)
No single metric tells the full story. See the ASX:PLT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plenti Group Ltd is a fintech lender to prime consumer and commercial borrowers. Its operations consist mainly of the provision of financial services in Australia. The company has single operating segment. The company offers offer award-winning automotive, renewable energy and personal loans, delivered by its proprietary technology, to help creditworthy borrowers bring their ideas to life. The company's loan types are Personal Loans, Debt Consolidation Loans, Renovation Loans, Car Loans, EV Loans, Holiday Loans, Medical Loans, Wedding Loans, Motorbike Loans, Moving Cost Loans, Boat Loans, Legal Fee Loans, Solar and Battery Loans, and Caravan Loans.
55GF Score
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