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Union Mosaic Industry PCLBKK:UMI +1.10%51 Interest Coverage is 8.19 as of Mar. 2026, which is 373% above its 10-year median of 1.73. GuruFocus rates BKK:UMI with a GF Score™ of 51/100 and a GF Value™ of ฿0.73 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,366 Construction companies, Union Mosaic Industry PCL ranks worse than 51.9% 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. Union Mosaic Industry PCL's
Operating Income
for the
three
months ended in Mar. 2026 was ฿55 Mil. Union Mosaic Industry PCL's Interest Expense for the
three
months ended in Mar. 2026 was ฿-7 Mil.
Union Mosaic Industry PCL's interest coverage for the quarter that ended in Mar. 2026 was 8.19.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Union Mosaic Industry PCL's Interest Coverage or its related term are showing as below:
BKK:UMI'
s Interest Coverage Range Over the Past 10 Years
Min: 0.19 Med: 1.73 Max: 7.42
Current: 7.42
BKK:UMI's Interest Coverage is ranked worse than 51.9% of 1366
companies
in the Construction industry
Industry Median: 7.97
vs BKK:UMI: 7.42
Union Mosaic Industry PCL (BKK:UMI) 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 .
Union Mosaic Industry PCL Interest Coverage Related Terms
Union Mosaic Industry PCL Interest Coverage Historical Data
* 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:UMI vs TT, JCI, CARR: Interest Coverage Comparison
For the Building Products & Equipment subindustry, Union Mosaic Industry 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.
Union Mosaic Industry PCL Interest Coverage vs Construction Industry
For the Construction industry and Industrials sector, Union Mosaic Industry PCL's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Union Mosaic Industry PCL's Interest Coverage falls into.
Union Mosaic Industry PCL 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:
* 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.
Union Mosaic Industry PCL (BKK:UMI) has a Interest Coverage of 8.19 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Union Mosaic Industry PCL and its competitors. This is 373% above median its historical median of 1.73. Over the past decade, Union Mosaic Industry PCL's Interest Coverage has ranged from 0.19 to 7.42. According to the industry distribution chart, Union Mosaic Industry PCL ranks #709 out of 1366 companies in the Construction industry, placing it in the top 51.9%.
Is Union Mosaic Industry PCL's Interest Coverage too high?
Union Mosaic Industry PCL's current Interest Coverage of 8.19 is 373% above median its 10-year median of 1.73. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 7.42. The Construction industry median Interest Coverage is 7.97. Union Mosaic Industry PCL's value of 8.19 is 2.8% above this industry median. Based on the distribution chart, Union Mosaic Industry PCL ranks #709 out of 1366 companies in the Construction industry, which is below the industry midpoint. Overall, Union Mosaic Industry PCL has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Mosaic Industry PCL's Interest Coverage compare to TT and JCI?
According to the Construction industry distribution chart, Union Mosaic Industry PCL ranks #709 out of 1366 companies for Interest Coverage. This places Union Mosaic Industry PCL in the lower half of its industry. The industry median Interest Coverage is 7.97. Union Mosaic Industry PCL's value of 8.19 is 2.8% above this benchmark. Historically, Union Mosaic Industry PCL's own Interest Coverage has ranged from 0.19 to 7.42 over the past decade. While the company's 10-year median is 1.73 vs. the industry median of 7.97, Union Mosaic Industry 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 Construction company?
The median Interest Coverage among Construction companies is 7.97, based on 1,366 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. Union Mosaic Industry PCL's current Interest Coverage of 8.19 is 2.8% 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 Union Mosaic Industry PCL and its competitors. For the Construction industry, the median Interest Coverage is 7.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Mosaic Industry PCL's current Interest Coverage is 8.19, which is 373% above median its own 10-year median of 1.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Mosaic Industry PCL stock overvalued right now?
Based on GuruFocus' analysis, Union Mosaic Industry PCL (BKK:UMI) is currently considered Modestly Overvalued. The stock's GF Value™ is ฿0.73, compared to a current price of ฿0.92 — trading 26% above its estimated fair value. The current Interest Coverage is 8.19, which is 373% above median its 10-year median of 1.73 and 2.8% above the Construction industry median of 7.97. Union Mosaic Industry PCL's overall GF Score™ is 51/100 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 Union Mosaic Industry PCL (BKK:UMI), the current Interest Coverage is 8.19 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 Union Mosaic Industry PCL (BKK:UMI) Overvalued in 2026?
Based on GuruFocus' analysis, Union Mosaic Industry PCL stock appears to be overvalued.
The current stock price of ฿0.92 is trading 26% above its estimated GF Value™ of ฿0.73.
GuruFocus considers Union Mosaic Industry PCL to be Modestly Overvalued.
Key valuation signals for BKK:UMI:
Interest Coverage: 8.19 (373% above median its 10-year median of 1.73)
GF Value™: ฿0.73 vs. price of ฿0.92 (26% above fair value)
Industry Position: 2.8% above the Construction median (#709 of 1366)
No single metric tells the full story. See the BKK:UMI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Mosaic Industry PCL is a Thailand-based company engaged in the production and distribution of ceramic floor and wall tiles. The group operates through two principal segments: Local floor and wall tiles, which focuses on the manufacture and sale of tiles within the domestic market in Thailand, and Export floor and wall tiles, which involves the sale and distribution of tiles to international markets.
51GF Score
Get the complete analysis for BKK:UMI
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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