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Thanulux PCLBKK:TNL 59 Interest Coverage is 3.38 as of Mar. 2026, which is 99% below its 10-year median of 248.69. GuruFocus rates BKK:TNL with a GF Score™ of 59/100 and a GF Value™ of ฿17.16 (Fairly Valued). The stock has 6 warning signs investors should review. Among 164 Credit Services companies, Thanulux PCL ranks worse than 609755.49% 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. Thanulux PCL's
Operating Income
for the
three
months ended in Mar. 2026 was ฿183.9 Mil. Thanulux PCL's Interest Expense for the
three
months ended in Mar. 2026 was ฿-54.4 Mil.
Thanulux PCL's interest coverage for the quarter that ended in Mar. 2026 was 3.38.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Thanulux PCL's Interest Coverage or its related term are showing as below:
BKK:TNL's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 51.6 * Ranked among companies with meaningful Interest Coverage only.
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 .
Thanulux PCL Interest Coverage Related Terms
Thanulux PCL Interest Coverage Historical Data
* Premium members only.
The historical data trend for Thanulux 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:TNL vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Thanulux 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.
Thanulux PCL Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Thanulux PCL's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Thanulux 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.
Thanulux PCL (BKK:TNL) has a Interest Coverage of 3.38 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Thanulux PCL and its competitors. This is 99% below median its historical median of 248.69. According to the industry distribution chart, Thanulux PCL ranks #999999 out of 164 companies in the Credit Services industry.
Is Thanulux PCL's Interest Coverage too high?
Thanulux PCL's current Interest Coverage of 3.38 is 99% below median its 10-year median of 248.69. The Credit Services industry median Interest Coverage is 51.60. Thanulux PCL's value of 3.38 is 93.4% below this industry median. Based on the distribution chart, Thanulux PCL ranks #999999 out of 164 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Thanulux PCL has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Thanulux PCL's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Thanulux PCL ranks #999999 out of 164 companies for Interest Coverage. This places Thanulux PCL in the lower half of its industry. The industry median Interest Coverage is 51.60. Thanulux PCL's value of 3.38 is 93.4% below this benchmark. While the company's 10-year median is 248.69 vs. the industry median of 51.60, Thanulux PCL 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 51.60, based on 164 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. Thanulux PCL's current Interest Coverage of 3.38 is 93.4% 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 Thanulux PCL and its competitors. For the Credit Services industry, the median Interest Coverage is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thanulux PCL's current Interest Coverage is 3.38, which is 99% below median its own 10-year median of 248.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thanulux PCL stock overvalued right now?
Based on GuruFocus' analysis, Thanulux PCL (BKK:TNL) is currently considered Fairly Valued. The stock's GF Value™ is ฿17.16, compared to a current price of ฿18.70 — trading 9% above its estimated fair value. The current Interest Coverage is 3.38, which is 99% below median its 10-year median of 248.69 and 93.4% below the Credit Services industry median of 51.60. Thanulux PCL's overall GF Score™ is 59/100 with 6 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 Thanulux PCL (BKK:TNL), the current Interest Coverage is 3.38 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 Thanulux PCL (BKK:TNL) Overvalued in 2026?
Based on GuruFocus' analysis, Thanulux PCL stock appears to be overvalued.
The current stock price of ฿18.70 is trading 9% above its estimated GF Value™ of ฿17.16.
GuruFocus considers Thanulux PCL to be Fairly Valued.
Key valuation signals for BKK:TNL:
Interest Coverage: 3.38 (99% below median its 10-year median of 248.69)
GF Value™: ฿17.16 vs. price of ฿18.70 (9% above fair value)
Industry Position: 93.4% below the Credit Services median (#999999 of 164)
No single metric tells the full story. See the BKK:TNL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thanulux PCL is principally engaged in an investment holding company. The group's business operation involves four principal segments: Investing business, Secured Lending business, Assets Management business, Financial Advisory business and Real Estate Development business. The majority of its revenue is generated from the Investing business.
59GF Score
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