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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. India Home Loan's
Operating Income
for the
three
months ended in Jun. 2026 was ₹0.4 Mil. India Home Loan's Interest Expense for the
three
months ended in Jun. 2026 was ₹0.0 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for India Home Loan's Interest Coverage or its related term are showing as below:
BOM:530979's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 24.145 * Ranked among companies with meaningful Interest Coverage only.
India Home Loan (BOM:530979) 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 .
India Home Loan Interest Coverage Related Terms
India Home Loan Interest Coverage Historical Data
* Premium members only.
The historical data trend for India Home Loan'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:530979 vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, India Home Loan'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.
India Home Loan Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Interest Coverage distribution charts can be found below:
* The bar in red indicates where India Home Loan'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 0 (At Loss) mean?
India Home Loan (BOM:530979) has a Interest Coverage of 0 (At Loss) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on India Home Loan and its competitors. Over the past decade, India Home Loan's Interest Coverage has ranged from 11.55 to 72.88. According to the industry distribution chart, India Home Loan ranks #999999 out of 20 companies in the Banks industry.
Is India Home Loan's Interest Coverage too high?
India Home Loan's current Interest Coverage is 0 (At Loss). Over the past 10 years, this metric has ranged from a low of 11.55 to a high of 72.88. Based on the distribution chart, India Home Loan ranks #999999 out of 20 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Home Loan has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #999999 out of 20 companies for Interest Coverage. This places India Home Loan in the lower half of its industry. The industry median Interest Coverage is 24.15. Historically, India Home Loan's own Interest Coverage has ranged from 11.55 to 72.88 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 Banks company?
The median Interest Coverage among Banks companies is 24.15, based on 20 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 India Home Loan and its competitors. For the Banks industry, the median Interest Coverage is 24.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current Interest Coverage is 0 (At Loss). However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Fairly Valued. The stock's GF Value™ is ₹30.69, compared to a current price of ₹32.20 — trading 4.9% above its estimated fair value. The current Interest Coverage is 0 (At Loss). India Home Loan's overall GF Score™ is 54/100 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 India Home Loan (BOM:530979), the current Interest Coverage is 0 (At Loss) 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be overvalued.
The current stock price of ₹32.20 is trading 4.9% above its estimated GF Value™ of ₹30.69.
GuruFocus considers India Home Loan to be Fairly Valued.
Key valuation signals for BOM:530979:
Interest Coverage: 0 (At Loss)
GF Value™: ₹30.69 vs. price of ₹32.20 (4.9% above fair value)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
54GF Score
Get the complete analysis for BOM:530979
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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