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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. Oracle Financial Services Software's
Operating Income
for the
three
months ended in Mar. 2026 was ₹10,409 Mil. Oracle Financial Services Software's Interest Expense for the
three
months ended in Mar. 2026 was ₹77 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Oracle Financial Services Software Ltd has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Oracle Financial Services Software's Interest Coverage or its related term are showing as below:
BOM:532466'
s Interest Coverage Range Over the Past 10 Years
Min: 45.02 Med: 735.1 Max: No Debt
Current: 487.43
BOM:532466's Interest Coverage is ranked better than 81.32% of 1713
companies
in the Software industry
Industry Median: 24.62
vs BOM:532466: 487.43
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 .
Oracle Financial Services Software Interest Coverage Related Terms
Oracle Financial Services Software 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.
BOM:532466 vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, Oracle Financial Services Software'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.
Oracle Financial Services Software Interest Coverage vs Software Industry
For the Software industry and Technology sector, Oracle Financial Services Software's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Oracle Financial Services Software'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?
Oracle Financial Services Software (BOM:532466) has a Interest Coverage of 0 (At Loss) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Oracle Financial Services Software and its competitors. Over the past decade, Oracle Financial Services Software's Interest Coverage has ranged from 45.02 to 10,000.00. According to the industry distribution chart, Oracle Financial Services Software ranks #320 out of 1713 companies in the Software industry, placing it in the top 18.7%.
Is Oracle Financial Services Software's Interest Coverage too high?
Oracle Financial Services Software's current Interest Coverage is 0 (At Loss). Over the past 10 years, this metric has ranged from a low of 45.02 to a high of 10,000.00. Based on the distribution chart, Oracle Financial Services Software ranks #320 out of 1713 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Oracle Financial Services Software has a GF Score™ of 88/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oracle Financial Services Software's Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, Oracle Financial Services Software ranks #320 out of 1713 companies for Interest Coverage. This places Oracle Financial Services Software in the top 19% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 24.62. Historically, Oracle Financial Services Software's own Interest Coverage has ranged from 45.02 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 Software company?
The median Interest Coverage among Software companies is 24.62, based on 1,713 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 Oracle Financial Services Software and its competitors. For the Software industry, the median Interest Coverage is 24.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oracle Financial Services Software'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 Oracle Financial Services Software stock overvalued right now?
Based on GuruFocus' analysis, Oracle Financial Services Software (BOM:532466) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹9,835.50, compared to a current price of ₹11,762.85 — trading 19.6% above its estimated fair value. The current Interest Coverage is 0 (At Loss). Oracle Financial Services Software's overall GF Score™ is 88/100 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 Oracle Financial Services Software (BOM:532466), the current Interest Coverage is 0 (At Loss) 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 Oracle Financial Services Software (BOM:532466) Overvalued in 2026?
Based on GuruFocus' analysis, Oracle Financial Services Software stock appears to be overvalued.
The current stock price of ₹11,762.85 is trading 19.6% above its estimated GF Value™ of ₹9,835.50.
GuruFocus considers Oracle Financial Services Software to be Modestly Overvalued.
Key valuation signals for BOM:532466:
Interest Coverage: 0 (At Loss)
GF Value™: ₹9,835.50 vs. price of ₹11,762.85 (19.6% above fair value)
No single metric tells the full story. See the BOM:532466 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oracle Financial Services Software Business Description
Oracle Financial Services Software Ltd is an India-based provider of software systems, computer systems, and consulting services. Its flagship Flexcube offerings include universal banking, investor servicing, private banking, lending and leasing, Islamic banking, Internet and mobile banking, remit, and collateral management capabilities. Its other offerings include analytical infrastructure applications, financial crime analysis, and compliance management applications. The firm also offers support and business process outsourcing services. The company has two reportable segments Product licenses and related activities ('Products') and IT solutions and consulting services ('Services'). Geographically the company generates the majority of its revenue from the Product segment.
88GF Score
Get the complete analysis for BOM:532466
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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