Qualco GroupATH:QLCO 21 Interest Coverage is 9.66 as of Dec. 2025, which is 3% below its 10-year median of 9.95. GuruFocus rates ATH:QLCO with a GF Score™ of 21/100. The stock has 2 warning signs investors should review. Among 1,704 Software companies, Qualco Group ranks worse than 71.95% 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. Qualco Group's
Operating Income
for the
six
months ended in Dec. 2025 was €22.3 Mil. Qualco Group's Interest Expense for the
six
months ended in Dec. 2025 was €-2.3 Mil.
Qualco Group's interest coverage for the quarter that ended in Dec. 2025 was 9.66.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Qualco Group's Interest Coverage or its related term are showing as below:
ATH:QLCO'
s Interest Coverage Range Over the Past 10 Years
Min: 6.96 Med: 9.95 Max: 11.15
Current: 6.96
ATH:QLCO's Interest Coverage is ranked worse than 71.95% of 1704
companies
in the Software industry
Industry Median: 24.625
vs ATH:QLCO: 6.96
Qualco Group (ATH:QLCO) 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 .
Qualco Group Interest Coverage Related Terms
Qualco Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Qualco 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.
ATH:QLCO vs UBER, SHOP, CRM: Interest Coverage Comparison
For the Software - Application subindustry, Qualco 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.
Qualco Group Interest Coverage vs Software Industry
For the Software industry and Technology sector, Qualco Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Qualco 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.
Qualco Group (ATH:QLCO) has a Interest Coverage of 9.66 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Qualco Group and its competitors. This is near median its historical median of 9.95. Over the past decade, Qualco Group's Interest Coverage has ranged from 6.96 to 11.15. According to the industry distribution chart, Qualco Group ranks #1226 out of 1704 companies in the Software industry, placing it in the top 71.9%.
Is Qualco Group's Interest Coverage too high?
Qualco Group's current Interest Coverage of 9.66 is near median its 10-year median of 9.95. Over the past 10 years, this metric has ranged from a low of 6.96 to a high of 11.15. The Software industry median Interest Coverage is 24.63. Qualco Group's value of 9.66 is 60.8% below this industry median. Based on the distribution chart, Qualco Group ranks #1226 out of 1704 companies in the Software industry, which is below the industry midpoint. Overall, Qualco Group has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Qualco Group's Interest Coverage compare to UBER and SHOP?
According to the Software industry distribution chart, Qualco Group ranks #1226 out of 1704 companies for Interest Coverage. This places Qualco Group in the lower half of its industry. The industry median Interest Coverage is 24.63. Qualco Group's value of 9.66 is 60.8% below this benchmark. Historically, Qualco Group's own Interest Coverage has ranged from 6.96 to 11.15 over the past decade. While the company's 10-year median is 9.95 vs. the industry median of 24.63, Qualco 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 Software company?
The median Interest Coverage among Software companies is 24.63, based on 1,704 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. Qualco Group's current Interest Coverage of 9.66 is 60.8% 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 Qualco Group and its competitors. For the Software industry, the median Interest Coverage is 24.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qualco Group's current Interest Coverage is 9.66, which is near median its own 10-year median of 9.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qualco Group stock overvalued right now?
Qualco Group (ATH:QLCO) has a current Interest Coverage of 9.66. The current Interest Coverage is 9.66, which is near median its 10-year median of 9.95 and 60.8% below the Software industry median of 24.63. Qualco Group's overall GF Score™ is 21/100 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 Qualco Group (ATH:QLCO), the current Interest Coverage is 9.66 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.
Qualco Group SA is a software and technology solutions provider, specializing in operational platforms, data-driven insights, and customized digital experiences. Its portfolio includes technology and technology-enabled solutions across receivables management, credit/lending management, analytics, digital transformation, and real estate. The company provides credit and lending management software solutions, including debt management, loan origination and administration, supply chain finance, asset-backed securities solutions, and E2E platforms that automate and enable digital financial services. Its offerings include technology-driven credit portfolio underwriting, debt collection, and recovery strategies.
21GF Score
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