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Lead Financial ServicesBOM:531288 75 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 6,154.00. GuruFocus rates BOM:531288 with a GF Score™ of 75/100 and a GF Value™ of ₹20.52 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 164 Credit Services companies, Lead Financial Services ranks better than 98.17% 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. Lead Financial Services's
Operating Income
for the
three
months ended in Mar. 2026 was ₹0.16 Mil. Lead Financial Services's Interest Expense for the
three
months ended in Mar. 2026 was ₹0.00 Mil.
Lead Financial Services has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Lead Financial Services Ltd has no debt.
(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 Lead Financial Services's Interest Coverage or its related term are showing as below:
BOM:531288'
s Interest Coverage Range Over the Past 10 Years
Min: 1417 Med: 6154 Max: No Debt
Current: No Debt
BOM:531288's Interest Coverage is ranked better than 98.17% of 164
companies
in the Credit Services industry
Industry Median: 51.6
vs BOM:531288: No Debt
Lead Financial Services (BOM:531288) 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 .
Lead Financial Services Interest Coverage Related Terms
Lead Financial Services Interest Coverage Historical Data
* Premium members only.
The historical data trend for Lead Financial Services'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:531288 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Lead Financial Services'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.
Lead Financial Services Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lead Financial Services's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Lead Financial Services's Interest Coverage falls into.
Lead Financial Services 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Lead Financial Services (BOM:531288) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Lead Financial Services and its competitors. This is 100% below median its historical median of 6,154.00. Over the past decade, Lead Financial Services' Interest Coverage has ranged from 1,417.00 to 10,000.00. According to the industry distribution chart, Lead Financial Services ranks #3 out of 164 companies in the Credit Services industry, placing it in the top 1.8%.
Is Lead Financial Services' Interest Coverage too high?
Lead Financial Services' current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 6,154.00. Over the past 10 years, this metric has ranged from a low of 1,417.00 to a high of 10,000.00. Based on the distribution chart, Lead Financial Services ranks #3 out of 164 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Lead Financial Services has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lead Financial Services' Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Lead Financial Services ranks #3 out of 164 companies for Interest Coverage. This places Lead Financial Services in the top 2% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 51.60. Historically, Lead Financial Services' own Interest Coverage has ranged from 1,417.00 to 10,000.00 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 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. 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 Lead Financial Services 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. Lead Financial Services's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 6,154.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lead Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Lead Financial Services (BOM:531288) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹20.52, compared to a current price of ₹17.32 — trading 15.6% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 6,154.00. Lead Financial Services' overall GF Score™ is 75/100 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 Lead Financial Services (BOM:531288), the current Interest Coverage is No Debt (1) 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 Lead Financial Services (BOM:531288) Overvalued in 2026?
Based on GuruFocus' analysis, Lead Financial Services stock appears to be undervalued.
The current stock price of ₹17.32 is trading 15.6% below its estimated GF Value™ of ₹20.52.
GuruFocus considers Lead Financial Services to be Modestly Undervalued.
Key valuation signals for BOM:531288:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 6,154.00)
GF Value™: ₹20.52 vs. price of ₹17.32 (15.6% below fair value)
No single metric tells the full story. See the BOM:531288 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lead Financial Services Ltd is an Indian non-banking financial company based in New Delhi. The company is engaged in providing loans and various financial services to its clients and making investments. The majority of its revenue is generated in the form of interest income on loans granted to its clients.
75GF Score
Get the complete analysis for BOM:531288
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