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Star Housing FinanceBOM:539017 +4.79%77 Interest Coverage is No Debt (1) as of Dec. 2025, which is 100% below its 10-year median of 83.98. GuruFocus rates BOM:539017 with a GF Score™ of 77/100 and a GF Value™ of ₹80.89 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 19 Banks companies, Star Housing Finance ranks worse than 5263152.63% 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. Star Housing Finance's
Operating Income
for the
three
months ended in Dec. 2025 was ₹18.1 Mil. Star Housing Finance's Interest Expense for the
three
months ended in Dec. 2025 was ₹0.0 Mil.
Star Housing 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 Star Housing Finance's Interest Coverage or its related term are showing as below:
BOM:539017's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 22.68 * Ranked among companies with meaningful Interest Coverage only.
Star Housing Finance (BOM:539017) 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 .
Star Housing Finance Interest Coverage Related Terms
Star Housing Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Star Housing 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:539017 vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, Star Housing 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.
Star Housing Finance Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Star Housing Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Star Housing Finance's Interest Coverage falls into.
Star Housing Finance 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?
Star Housing Finance (BOM:539017) has a Interest Coverage of No Debt (1) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Star Housing Finance and its competitors. This is 99% below median its historical median of 83.98. Over the past decade, Star Housing Finance's Interest Coverage has ranged from 27.85 to 15,311.25. According to the industry distribution chart, Star Housing Finance ranks #999999 out of 19 companies in the Banks industry.
Is Star Housing Finance's Interest Coverage too high?
Star Housing Finance's current Interest Coverage of No Debt (1) is 99% below median its 10-year median of 83.98. Over the past 10 years, this metric has ranged from a low of 27.85 to a high of 15,311.25. Based on the distribution chart, Star Housing Finance ranks #999999 out of 19 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Star Housing Finance has a GF Score™ of 77/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Star Housing Finance's Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, Star Housing Finance ranks #999999 out of 19 companies for Interest Coverage. This places Star Housing Finance in the lower half of its industry. The industry median Interest Coverage is 22.68. Historically, Star Housing Finance's own Interest Coverage has ranged from 27.85 to 15,311.25 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 22.68, based on 19 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 Star Housing Finance and its competitors. For the Banks industry, the median Interest Coverage is 22.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Star Housing Finance's current Interest Coverage is No Debt (1), which is 99% below median its own 10-year median of 83.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Star Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, Star Housing Finance (BOM:539017) is currently considered Possible Value Trap. The stock's GF Value™ is ₹80.89, compared to a current price of ₹6.34 — trading 92.2% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 99% below median its 10-year median of 83.98. Star Housing Finance's overall GF Score™ is 77/100 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 Star Housing Finance (BOM:539017), the current Interest Coverage is No Debt (1) as of Dec. 2025. 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 Star Housing Finance (BOM:539017) Overvalued in 2026?
Based on GuruFocus' analysis, Star Housing Finance stock appears to be undervalued.
The current stock price of ₹6.34 is trading 92.2% below its estimated GF Value™ of ₹80.89.
GuruFocus considers Star Housing Finance to be Possible Value Trap.
Key valuation signals for BOM:539017:
Interest Coverage: No Debt (1) (99% below median its 10-year median of 83.98)
GF Value™: ₹80.89 vs. price of ₹6.34 (92.2% below fair value)
No single metric tells the full story. See the BOM:539017 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Star Housing Finance Ltd is a non-deposit-taking housing finance company. The company's loan products include home loans, mortgage loans, and builder loans. The firm offers home loans for the purchase of flats and houses, renovation of existing units, extension of existing units, and purchase of plots for the construction of houses. The company offers a builder loan for the construction of residential flats. The company is engaged in the business of providing loans to individuals, corporations, and developers for the purchase, construction, development, and repair of houses, apartments, and commercial properties in India.
77GF Score
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