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. Mangalam Industrial Finance's
Operating Income
for the
three
months ended in Mar. 2026 was ₹-20.3 Mil. Mangalam Industrial Finance's Interest Expense for the
three
months ended in Mar. 2026 was ₹1.0 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Mangalam Industrial Finance 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 Mangalam Industrial Finance's Interest Coverage or its related term are showing as below:
BOM:537800'
s Interest Coverage Range Over the Past 10 Years
Min: 105.68 Med: 8945 Max: No Debt
Current: No Debt
BOM:537800's Interest Coverage is ranked better than 98.18% of 165
companies
in the Credit Services industry
Industry Median: 47.86
vs BOM:537800: No Debt
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 .
Mangalam Industrial Finance Interest Coverage Related Terms
Mangalam Industrial Finance 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:537800 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Mangalam Industrial 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.
Mangalam Industrial Finance Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mangalam Industrial Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Mangalam Industrial 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 0 (At Loss) mean?
Mangalam Industrial Finance (BOM:537800) 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 Mangalam Industrial Finance and its competitors. Over the past decade, Mangalam Industrial Finance's Interest Coverage has ranged from 105.68 to 10,000.00. According to the industry distribution chart, Mangalam Industrial Finance ranks #3 out of 165 companies in the Credit Services industry, placing it in the top 1.8%.
Is Mangalam Industrial Finance's Interest Coverage too high?
Mangalam Industrial Finance's current Interest Coverage is 0 (At Loss). Over the past 10 years, this metric has ranged from a low of 105.68 to a high of 10,000.00. Based on the distribution chart, Mangalam Industrial Finance ranks #3 out of 165 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Mangalam Industrial Finance has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Mangalam Industrial Finance's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Mangalam Industrial Finance ranks #3 out of 165 companies for Interest Coverage. This places Mangalam Industrial Finance in the top 2% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 47.86. Historically, Mangalam Industrial Finance's own Interest Coverage has ranged from 105.68 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 47.86, based on 165 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 Mangalam Industrial Finance and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mangalam Industrial Finance'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 Mangalam Industrial Finance stock overvalued right now?
Based on GuruFocus' analysis, Mangalam Industrial Finance (BOM:537800) is currently considered Possible Value Trap. The stock's GF Value™ is ₹30.87, compared to a current price of ₹0.59 — trading 98.1% below its estimated fair value. The current Interest Coverage is 0 (At Loss). Mangalam Industrial Finance's overall GF Score™ is 57/100 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 Mangalam Industrial Finance (BOM:537800), 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 Mangalam Industrial Finance (BOM:537800) Overvalued in 2026?
Based on GuruFocus' analysis, Mangalam Industrial Finance stock appears to be undervalued.
The current stock price of ₹0.59 is trading 98.1% below its estimated GF Value™ of ₹30.87.
GuruFocus considers Mangalam Industrial Finance to be Possible Value Trap.
Key valuation signals for BOM:537800:
Interest Coverage: 0 (At Loss)
GF Value™: ₹30.87 vs. price of ₹0.59 (98.1% below fair value)
No single metric tells the full story. See the BOM:537800 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mangalam Industrial Finance Ltd is a non-banking financial company engaged in investing and financing. The company generates the majority of its revenue from interest income on loans. It provides hassle-free, easy, and quick loan facilities, offering personal loans, business loans, and professional loans. The company mainly supports customers with financial solutions for the purchase of electric two-wheelers.
57GF Score
Get the complete analysis for BOM:537800
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:537800 has been successfully added to your 
