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Ceejay FinanceBOM:530789 -1.42%82 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 37.63. GuruFocus rates BOM:530789 with a GF Score™ of 82/100 and a GF Value™ of ₹205.77 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 161 Credit Services companies, Ceejay Finance ranks worse than 621117.39% 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. Ceejay Finance's
Operating Income
for the
three
months ended in Jun. 2026 was ₹24.1 Mil. Ceejay Finance's Interest Expense for the
three
months ended in Jun. 2026 was ₹0.0 Mil.
Ceejay 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 Ceejay Finance's Interest Coverage or its related term are showing as below:
BOM:530789's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 52.24 * 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 .
Ceejay Finance Interest Coverage Related Terms
Ceejay Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Ceejay 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:530789 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Ceejay 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.
Ceejay Finance Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ceejay Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Ceejay 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?
Ceejay Finance (BOM:530789) 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 Ceejay Finance and its competitors. This is 97% below median its historical median of 37.63. Over the past decade, Ceejay Finance's Interest Coverage has ranged from 28.87 to 637.28. According to the industry distribution chart, Ceejay Finance ranks #999999 out of 161 companies in the Credit Services industry.
Is Ceejay Finance's Interest Coverage too high?
Ceejay Finance's current Interest Coverage of No Debt (1) is 97% below median its 10-year median of 37.63. Over the past 10 years, this metric has ranged from a low of 28.87 to a high of 637.28. Based on the distribution chart, Ceejay Finance ranks #999999 out of 161 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Ceejay Finance has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ceejay Finance's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Ceejay Finance ranks #999999 out of 161 companies for Interest Coverage. This places Ceejay Finance in the lower half of its industry. The industry median Interest Coverage is 52.24. Historically, Ceejay Finance's own Interest Coverage has ranged from 28.87 to 637.28 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 52.24, based on 161 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 Ceejay Finance and its competitors. For the Credit Services industry, the median Interest Coverage is 52.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ceejay Finance's current Interest Coverage is No Debt (1), which is 97% below median its own 10-year median of 37.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ceejay Finance stock overvalued right now?
Based on GuruFocus' analysis, Ceejay Finance (BOM:530789) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹205.77, compared to a current price of ₹159.85 — trading 22.3% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 97% below median its 10-year median of 37.63. Ceejay Finance's overall GF Score™ is 82/100 with 5 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 Ceejay Finance (BOM:530789), 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 Ceejay Finance (BOM:530789) Overvalued in 2026?
Based on GuruFocus' analysis, Ceejay Finance stock appears to be undervalued.
The current stock price of ₹159.85 is trading 22.3% below its estimated GF Value™ of ₹205.77.
GuruFocus considers Ceejay Finance to be Modestly Undervalued.
Key valuation signals for BOM:530789:
Interest Coverage: No Debt (1) (97% below median its 10-year median of 37.63)
GF Value™: ₹205.77 vs. price of ₹159.85 (22.3% below fair value)
No single metric tells the full story. See the BOM:530789 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ceejay Finance Ltd is a Non- Banking Financial Company operating in India. The company provides customized and flexible loans for new and used two-wheeler vehicles and four-wheeler loans to individuals and small businesses. It also offers Commercial loans, Personal loans, Loans against property, Microfinance loans, SME business loans, and Insurance services. The company's share of revenue comes from the interest amount generated on two-wheeler financing in rural areas. It is engaged in one business segment which is Finance service.
82GF Score
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