N.Ververis Moda Bagno (ATH:MODA) Interest Coverage: 17.97 (As of Dec. 2025) — 83% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ATH:MODA N.Ververis Moda Bagno SA ATH:MODA
78 GF Score
Price €7.20
GF Value €4.37
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is N.Ververis Moda Bagno Interest Coverage?

N.Ververis Moda Bagno ATH:MODA 78 Interest Coverage is 17.97 as of Dec. 2025, which is 83% above its 10-year median of 9.81. GuruFocus rates ATH:MODA with a GF Score™ of 78/100 and a GF Value™ of €4.37 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 291 Furnishings, Fixtures & Appliances companies, N.Ververis Moda Bagno ranks better than 55.67% 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. N.Ververis Moda Bagno's Operating Income for the six months ended in Dec. 2025 was €5.23 Mil. N.Ververis Moda Bagno's Interest Expense for the six months ended in Dec. 2025 was €-0.29 Mil. N.Ververis Moda Bagno's interest coverage for the quarter that ended in Dec. 2025 was 17.97. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for N.Ververis Moda Bagno's Interest Coverage or its related term are showing as below:

ATH:MODA' s Interest Coverage Range Over the Past 10 Years
Min: 2.45   Med: 9.81   Max: 14.39
Current: 14.39


ATH:MODA's Interest Coverage is ranked better than
55.67% of 291 companies
in the Furnishings, Fixtures & Appliances industry
Industry Median: 9.68 vs ATH:MODA: 14.39

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


N.Ververis Moda Bagno  (ATH:MODA) 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 .


N.Ververis Moda Bagno Interest Coverage Related Terms


N.Ververis Moda Bagno Interest Coverage Historical Data

* Premium members only.

The historical data trend for N.Ververis Moda Bagno'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.

N.Ververis Moda Bagno Interest Coverage Chart

N.Ververis Moda Bagno Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial 8.61 7.48 11.01 12.77 14.39

N.Ververis Moda Bagno Semi-Annual Data
Jun19 Jun20 Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 12.75 5.11 23.86 6.57 17.97

ATH:MODA vs SN, SGI, MHK: Interest Coverage Comparison

For the Furnishings, Fixtures & Appliances subindustry, N.Ververis Moda Bagno'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.


N.Ververis Moda Bagno Interest Coverage vs Furnishings, Fixtures & Appliances Industry

For the Furnishings, Fixtures & Appliances industry and Consumer Cyclical sector, N.Ververis Moda Bagno's Interest Coverage distribution charts can be found below:

* The bar in red indicates where N.Ververis Moda Bagno's Interest Coverage falls into.


ATH:MODA
78GF Score
N.Ververis Moda Bagno SA ATH:MODA
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

N.Ververis Moda Bagno 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:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

N.Ververis Moda Bagno's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, N.Ververis Moda Bagno's Interest Expense was €-0.42 Mil. Its Operating Income was €6.10 Mil. And its Long-Term Debt & Capital Lease Obligation was €5.98 Mil.

Interest Coverage=-1* Operating Income (A: Dec. 2025 )/Interest Expense (A: Dec. 2025 )
=-1*6.103/-0.424
=14.39

N.Ververis Moda Bagno's Interest Coverage for the quarter that ended in Dec. 2025 is calculated as

Here, for the six months ended in Dec. 2025, N.Ververis Moda Bagno's Interest Expense was €-0.29 Mil. Its Operating Income was €5.23 Mil. And its Long-Term Debt & Capital Lease Obligation was €5.98 Mil.

Interest Coverage=-1* Operating Income (Q: Dec. 2025 )/Interest Expense (Q: Dec. 2025 )
=-1*5.228/-0.291
=17.97

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 17.97 mean?
N.Ververis Moda Bagno (ATH:MODA) has a Interest Coverage of 17.97 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on N.Ververis Moda Bagno and its competitors. This is 83% above median its historical median of 9.81. Over the past decade, N.Ververis Moda Bagno's Interest Coverage has ranged from 2.45 to 14.39. According to the industry distribution chart, N.Ververis Moda Bagno ranks #129 out of 291 companies in the Furnishings, Fixtures & Appliances industry, placing it in the top 44.3%.
Is N.Ververis Moda Bagno's Interest Coverage too high?
N.Ververis Moda Bagno's current Interest Coverage of 17.97 is 83% above median its 10-year median of 9.81. Over the past 10 years, this metric has ranged from a low of 2.45 to a high of 14.39. The Furnishings, Fixtures & Appliances industry median Interest Coverage is 9.68. N.Ververis Moda Bagno's value of 17.97 is 85.6% above this industry median. Based on the distribution chart, N.Ververis Moda Bagno ranks #129 out of 291 companies in the Furnishings, Fixtures & Appliances industry, which is above the industry midpoint. Overall, N.Ververis Moda Bagno has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does N.Ververis Moda Bagno's Interest Coverage compare to SN and SGI?
According to the Furnishings, Fixtures & Appliances industry distribution chart, N.Ververis Moda Bagno ranks #129 out of 291 companies for Interest Coverage. This puts N.Ververis Moda Bagno in the upper half of its industry. The industry median Interest Coverage is 9.68. N.Ververis Moda Bagno's value of 17.97 is 85.6% above this benchmark. Historically, N.Ververis Moda Bagno's own Interest Coverage has ranged from 2.45 to 14.39 over the past decade. While the company's 10-year median is 9.81 vs. the industry median of 9.68, N.Ververis Moda Bagno 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 Furnishings, Fixtures & Appliances company?
The median Interest Coverage among Furnishings, Fixtures & Appliances companies is 9.68, based on 291 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. N.Ververis Moda Bagno's current Interest Coverage of 17.97 is 85.6% 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 N.Ververis Moda Bagno and its competitors. For the Furnishings, Fixtures & Appliances industry, the median Interest Coverage is 9.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. N.Ververis Moda Bagno's current Interest Coverage is 17.97, which is 83% above median its own 10-year median of 9.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is N.Ververis Moda Bagno stock overvalued right now?
Based on GuruFocus' analysis, N.Ververis Moda Bagno (ATH:MODA) is currently considered Significantly Overvalued. The stock's GF Value™ is €4.37, compared to a current price of €7.20 — trading 64.8% above its estimated fair value. The current Interest Coverage is 17.97, which is 83% above median its 10-year median of 9.81 and 85.6% above the Furnishings, Fixtures & Appliances industry median of 9.68. N.Ververis Moda Bagno's overall GF Score™ is 78/100 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 N.Ververis Moda Bagno (ATH:MODA), the current Interest Coverage is 17.97 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 N.Ververis Moda Bagno (ATH:MODA) Overvalued in 2026?

Based on GuruFocus' analysis, N.Ververis Moda Bagno stock appears to be overvalued. The current stock price of €7.20 is trading 64.8% above its estimated GF Value™ of €4.37. GuruFocus considers N.Ververis Moda Bagno to be Significantly Overvalued.

Key valuation signals for ATH:MODA:

  • Interest Coverage: 17.97 (83% above median its 10-year median of 9.81)
  • GF Value™: €4.37 vs. price of €7.20 (64.8% above fair value)
  • GF Score™: 78/100 with 5 warning signs
  • Industry Position: 85.6% above the Furnishings, Fixtures & Appliances median (#129 of 291)

No single metric tells the full story. See the ATH:MODA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


N.Ververis Moda Bagno Business Description

Address 50, Anapafseos Street, Vrilissia, Athens, GRC, 15235
N.Ververis Moda Bagno SA is engaged in the retail of home furnishings products. It sells wall and floor tiles, sanitary fixtures for the bathroom, bathtubs, kitchen furniture and appliances, office and home furniture, sofas and wooden floors.
78GF Score

Get the complete analysis for ATH:MODA

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.20
Price
€4.37
GF Value