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Ad-Manum FinanceBOM:511359 +0.92%65 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 72.57. GuruFocus rates BOM:511359 with a GF Score™ of 65/100 and a GF Value™ of ₹83.19 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 163 Credit Services companies, Ad-Manum Finance ranks worse than 613496.32% 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. Ad-Manum Finance's
Operating Income
for the
three
months ended in Jun. 2026 was ₹36.5 Mil. Ad-Manum Finance's Interest Expense for the
three
months ended in Jun. 2026 was ₹0.0 Mil.
Ad-Manum Finance has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) 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.
The historical rank and industry rank for Ad-Manum Finance's Interest Coverage or its related term are showing as below:
BOM:511359's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 54.85 * 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 .
Ad-Manum Finance Interest Coverage Related Terms
Ad-Manum Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Ad-Manum Finance'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.
BOM:511359 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Ad-Manum Finance'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.
Ad-Manum Finance Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ad-Manum Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Ad-Manum Finance'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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Ad-Manum Finance (BOM:511359) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ad-Manum Finance and its competitors. This is 99% below median its historical median of 72.57. Over the past decade, Ad-Manum Finance's Interest Coverage has ranged from 6.40 to 19,262.50. According to the industry distribution chart, Ad-Manum Finance ranks #999999 out of 163 companies in the Credit Services industry.
Is Ad-Manum Finance's Interest Coverage too high?
Ad-Manum Finance's current Interest Coverage of No Debt (1) is 99% below median its 10-year median of 72.57. Over the past 10 years, this metric has ranged from a low of 6.40 to a high of 19,262.50. Based on the distribution chart, Ad-Manum Finance ranks #999999 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Ad-Manum Finance has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ad-Manum Finance's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Ad-Manum Finance ranks #999999 out of 163 companies for Interest Coverage. This places Ad-Manum Finance in the lower half of its industry. The industry median Interest Coverage is 54.85. Historically, Ad-Manum Finance's own Interest Coverage has ranged from 6.40 to 19,262.50 over the past decade. 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 54.85, based on 163 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. 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 Ad-Manum Finance and its competitors. For the Credit Services industry, the median Interest Coverage is 54.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ad-Manum Finance's current Interest Coverage is No Debt (1), which is 99% below median its own 10-year median of 72.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ad-Manum Finance stock overvalued right now?
Based on GuruFocus' analysis, Ad-Manum Finance (BOM:511359) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹83.19, compared to a current price of ₹55.00 — trading 33.9% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 99% below median its 10-year median of 72.57. Ad-Manum Finance's overall GF Score™ is 65/100 with 1 warning sign 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 Ad-Manum Finance (BOM:511359), the current Interest Coverage is No Debt (1) 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 Ad-Manum Finance (BOM:511359) Overvalued in 2026?
Based on GuruFocus' analysis, Ad-Manum Finance stock appears to be undervalued.
The current stock price of ₹55.00 is trading 33.9% below its estimated GF Value™ of ₹83.19.
GuruFocus considers Ad-Manum Finance to be Significantly Undervalued.
Key valuation signals for BOM:511359:
Interest Coverage: No Debt (1) (99% below median its 10-year median of 72.57)
GF Value™: ₹83.19 vs. price of ₹55.00 (33.9% below fair value)
No single metric tells the full story. See the BOM:511359 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ad-Manum Finance Ltd is a non-banking finance company which provides financing services for commercial vehicles in India. The company operates through two segments, Financial and Wind Power Generation. It finances various old and new vehicles, such as heavy commercial vehicles, light commercial vehicles, medium commercial vehicles, multi-utility vehicles, and three wheelers. The company derives a majority of revenue from Financial/Investment segment.
65GF Score
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