BICMF (BIC Camera) Interest Coverage: 51.03 (As of Feb. 2026) — 14% Below Median

What is BIC Camera Interest Coverage?

BIC Camera BICMF 72 Interest Coverage is 51.03 as of Feb. 2026, which is 14% below its 10-year median of 59.51. GuruFocus rates BICMF with a GF Score™ of 72/100. The stock has 2 warning signs investors should review. Among 828 Retail - Cyclical companies, BIC Camera ranks better than 82.13% 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. BIC Camera's Operating Income for the three months ended in Feb. 2026 was $73.03 Mil. BIC Camera's Interest Expense for the three months ended in Feb. 2026 was $-1.43 Mil. BIC Camera's interest coverage for the quarter that ended in Feb. 2026 was 51.03. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for BIC Camera's Interest Coverage or its related term are showing as below:

BICMF' s Interest Coverage Range Over the Past 10 Years
Min: 32.08 Med: 59.51 Max: 81.07
Current: 44.04

BICMF's Interest Coverage is ranked better than
82.13% of 828 companies
in the Retail - Cyclical industry
Industry Median: 7.915 vs BICMF: 44.04

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

BIC Camera (OTCPK:BICMF) 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 .

BIC Camera Interest Coverage Related Terms

BIC Camera Interest Coverage Historical Data

* Premium members only.

The historical data trend for BIC Camera'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.

BIC Camera Interest Coverage Chart

BIC Camera Annual Data

Trend

Aug16

Aug17

Aug18

Aug19

Aug20

Aug21

Aug22

Aug23

Aug24

Aug25

Interest Coverage

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56.93

65.21

62.07

69.68

47.45

BIC Camera Quarterly Data
	May21	Aug21	Nov21	Feb22	May22	Aug22	Nov22	Feb23	May23	Aug23	Nov23	Feb24	May24	Aug24	Nov24	Feb25	May25	Aug25	Nov25	Feb26
Interest Coverage	Get a 7-Day Free Trial															70.73	51.61	29.99	42.52	51.03

BICMF vs CASY, WSM, ULTA: Interest Coverage Comparison

For the Specialty Retail subindustry, BIC Camera'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.

BIC Camera Interest Coverage vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, BIC Camera's Interest Coverage distribution charts can be found below:

* The bar in red indicates where BIC Camera's Interest Coverage falls into.

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BIC Camera 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.

BIC Camera's Interest Coverage for the fiscal year that ended in Aug. 2025 is calculated as

Here, for the fiscal year that ended in Aug. 2025, BIC Camera's Interest Expense was $-4.33 Mil. Its Operating Income was $205.28 Mil. And its Long-Term Debt & Capital Lease Obligation was $157.79 Mil.

Interest Coverage	=	-1	*	Operating Income (A: Aug. 2025 )	/	Interest Expense (A: Aug. 2025 )
	=	-1	*	205.284	/	-4.326
	=	47.45

BIC Camera's Interest Coverage for the quarter that ended in Feb. 2026 is calculated as

Here, for the three months ended in Feb. 2026, BIC Camera's Interest Expense was $-1.43 Mil. Its Operating Income was $73.03 Mil. And its Long-Term Debt & Capital Lease Obligation was $123.02 Mil.

Interest Coverage	=	-1	*	Operating Income (Q: Feb. 2026 )	/	Interest Expense (Q: Feb. 2026 )
	=	-1	*	73.03	/	-1.431
	=	51.03

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 51.03 mean?

BIC Camera (BICMF) has a Interest Coverage of 51.03 as of Feb. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on BIC Camera and its competitors. This is 14% below median its historical median of 59.51. Over the past decade, BIC Camera's Interest Coverage has ranged from 32.08 to 81.07. According to the industry distribution chart, BIC Camera ranks #148 out of 828 companies in the Retail - Cyclical industry, placing it in the top 17.9%.

Is BIC Camera's Interest Coverage too high?

BIC Camera's current Interest Coverage of 51.03 is 14% below median its 10-year median of 59.51. Over the past 10 years, this metric has ranged from a low of 32.08 to a high of 81.07. The Retail - Cyclical industry median Interest Coverage is 7.92. BIC Camera's value of 51.03 is 544.7% above this industry median. Based on the distribution chart, BIC Camera ranks #148 out of 828 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, BIC Camera has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.

How does BIC Camera's Interest Coverage compare to CASY and WSM?

According to the Retail - Cyclical industry distribution chart, BIC Camera ranks #148 out of 828 companies for Interest Coverage. This places BIC Camera in the top 18% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 7.92. BIC Camera's value of 51.03 is 544.7% above this benchmark. Historically, BIC Camera's own Interest Coverage has ranged from 32.08 to 81.07 over the past decade. While the company's 10-year median is 59.51 vs. the industry median of 7.92, BIC Camera 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. BIC Camera's current Interest Coverage of 51.03 is 544.7% 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 BIC Camera 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. BIC Camera's current Interest Coverage is 51.03, which is 14% below median its own 10-year median of 59.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is BIC Camera stock overvalued right now?

BIC Camera (BICMF) has a current Interest Coverage of 51.03. The current Interest Coverage is 51.03, which is 14% below median its 10-year median of 59.51 and 544.7% above the Retail - Cyclical industry median of 7.92. BIC Camera's overall GF Score™ is 72/100 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 BIC Camera (BICMF), the current Interest Coverage is 51.03 as of Feb. 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.

BIC Camera Business Description

Industry Consumer Cyclical Retail - Cyclical

Comparable Companies TSE:8282 TSE:2730 TSE:8022 TSE:9831 TSE:7419 TSE:7552 TSE:9842 SSE:2928 TSE:7545 TSE:7513 TSX:ATD XJAM:ASBH CASY WSM ULTA DKS SHSE:601888 TSCO BBY ADX:ADNOCDIST

Other Exchanges 3048:Japan

Address 3-23-23, Takada, Toshima-ku, Tokyo, JPN, 171-0033

Website http://www.biccamera.co.jp

BIC Camera Inc is a consumer electronic retailer in Japan. The selection of merchandise is diverse: audio and video equipment, laptops and computers, cameras, televisions, and mobile phones, among others. The company sells products through both stores and online shopping sites. Additionally, the company also provides satellite and cable TV broadcasting services, installation services, repair services, a radio advertising business, and other services.