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Humanica PCLBKK:HUMAN -1.39%80 Interest Coverage is 36.97 as of Jun. 2026, which is 13% above its 10-year median of 32.83. GuruFocus rates BKK:HUMAN with a GF Score™ of 80/100 and a GF Value™ of ฿9.88 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,698 Software companies, Humanica PCL ranks better than 57.36% 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. Humanica PCL's
Operating Income
for the
three
months ended in Jun. 2026 was ฿83 Mil. Humanica PCL's Interest Expense for the
three
months ended in Jun. 2026 was ฿-2 Mil.
Humanica PCL's interest coverage for the quarter that ended in Jun. 2026 was 36.97.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Humanica PCL's Interest Coverage or its related term are showing as below:
BKK:HUMAN'
s Interest Coverage Range Over the Past 10 Years
Min: 16.54 Med: 32.83 Max: 331.2
Current: 46.54
BKK:HUMAN's Interest Coverage is ranked better than 57.36% of 1698
companies
in the Software industry
Industry Median: 26.18
vs BKK:HUMAN: 46.54
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 .
Humanica PCL Interest Coverage Related Terms
Humanica PCL Interest Coverage Historical Data
* Premium members only.
The historical data trend for Humanica PCL'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.
BKK:HUMAN vs CRM, SHOP, UBER: Interest Coverage Comparison
For the Software - Application subindustry, Humanica PCL'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.
Humanica PCL Interest Coverage vs Software Industry
For the Software industry and Technology sector, Humanica PCL's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Humanica PCL'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.
Humanica PCL (BKK:HUMAN) has a Interest Coverage of 36.97 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Humanica PCL and its competitors. This is 13% above median its historical median of 32.83. Over the past decade, Humanica PCL's Interest Coverage has ranged from 16.54 to 331.20. According to the industry distribution chart, Humanica PCL ranks #724 out of 1698 companies in the Software industry, placing it in the top 42.6%.
Is Humanica PCL's Interest Coverage too high?
Humanica PCL's current Interest Coverage of 36.97 is 13% above median its 10-year median of 32.83. Over the past 10 years, this metric has ranged from a low of 16.54 to a high of 331.20. The Software industry median Interest Coverage is 26.18. Humanica PCL's value of 36.97 is 41.2% above this industry median. Based on the distribution chart, Humanica PCL ranks #724 out of 1698 companies in the Software industry, which is above the industry midpoint. Overall, Humanica PCL has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Humanica PCL's Interest Coverage compare to CRM and SHOP?
According to the Software industry distribution chart, Humanica PCL ranks #724 out of 1698 companies for Interest Coverage. This puts Humanica PCL in the upper half of its industry. The industry median Interest Coverage is 26.18. Humanica PCL's value of 36.97 is 41.2% above this benchmark. Historically, Humanica PCL's own Interest Coverage has ranged from 16.54 to 331.20 over the past decade. While the company's 10-year median is 32.83 vs. the industry median of 26.18, Humanica PCL 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 Software company?
The median Interest Coverage among Software companies is 26.18, based on 1,698 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. Humanica PCL's current Interest Coverage of 36.97 is 41.2% 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 Humanica PCL and its competitors. For the Software industry, the median Interest Coverage is 26.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humanica PCL's current Interest Coverage is 36.97, which is 13% above median its own 10-year median of 32.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Humanica PCL stock overvalued right now?
Based on GuruFocus' analysis, Humanica PCL (BKK:HUMAN) is currently considered Significantly Undervalued. The stock's GF Value™ is ฿9.88, compared to a current price of ฿4.26 — trading 56.9% below its estimated fair value. The current Interest Coverage is 36.97, which is 13% above median its 10-year median of 32.83 and 41.2% above the Software industry median of 26.18. Humanica PCL's overall GF Score™ is 80/100 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 Humanica PCL (BKK:HUMAN), the current Interest Coverage is 36.97 as of Jun. 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 Humanica PCL (BKK:HUMAN) Overvalued in 2026?
Based on GuruFocus' analysis, Humanica PCL stock appears to be undervalued.
The current stock price of ฿4.26 is trading 56.9% below its estimated GF Value™ of ฿9.88.
GuruFocus considers Humanica PCL to be Significantly Undervalued.
Key valuation signals for BKK:HUMAN:
Interest Coverage: 36.97 (13% above median its 10-year median of 32.83)
GF Value™: ฿9.88 vs. price of ฿4.26 (56.9% below fair value)
Industry Position: 41.2% above the Software median (#724 of 1698)
No single metric tells the full story. See the BKK:HUMAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Humanica PCL is engaged in providing human resource outsourcing and payroll services, sales and implementation services of human resource systems, sales and implementation services of computer software for enterprise resource planning, sales of advance access control devices, and life and non-life insurance brokerage services. The company operates through two business segments: Human Resource Management System Services and Accounting and Financing Services. It generates maximum revenue from the Human Resource Management System Services segment, with the majority of its revenue generated from Thailand.
80GF Score
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