Unifinz Capital India (BOM:541358) Interest Coverage: N/A (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BOM:541358 Unifinz Capital India Ltd BOM:541358
83 GF Score
Price ₹121.00
GF Value ₹190.33
Valuation Possible Value Trap
! 3 Warning Signs
View Full Analysis

What is Unifinz Capital India Interest Coverage?

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. Unifinz Capital India's Operating Income for the three months ended in Mar. 2026 was ₹831 Mil. Unifinz Capital India's Interest Expense for the three months ended in Mar. 2026 was ₹0 Mil. GuruFocus does not calculate 's interest coverage with the available data. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for Unifinz Capital India's Interest Coverage or its related term are showing as below:


BOM:541358's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 47.86
* Ranked among companies with meaningful Interest Coverage only.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


Unifinz Capital India  (BOM:541358) 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 .


Unifinz Capital India Interest Coverage Related Terms


Unifinz Capital India Interest Coverage Historical Data

* Premium members only.

The historical data trend for Unifinz Capital India'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.

Unifinz Capital India Interest Coverage Chart

Unifinz Capital India Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,772.75 67.73 289.02 67.62 72.72

Unifinz Capital India Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A No Debt N/A No Debt N/A

BOM:541358 vs V, MA, AXP: Interest Coverage Comparison

For the Credit Services subindustry, Unifinz Capital India'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.


Unifinz Capital India Interest Coverage vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Unifinz Capital India's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Unifinz Capital India's Interest Coverage falls into.


BOM:541358
83GF Score
Unifinz Capital India Ltd BOM:541358
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Unifinz Capital India 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:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Unifinz Capital India's Interest Coverage for the fiscal year that ended in Mar. 2026 is calculated as

Here, for the fiscal year that ended in Mar. 2026, Unifinz Capital India's Interest Expense was ₹-44 Mil. Its Operating Income was ₹3,172 Mil. And its Long-Term Debt & Capital Lease Obligation was ₹2,782 Mil.

Interest Coverage=-1* Operating Income (A: Mar. 2026 )/Interest Expense (A: Mar. 2026 )
=-1*3172.212/-43.623
=72.72

Unifinz Capital India's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Here, for the three months ended in Mar. 2026, Unifinz Capital India's Interest Expense was ₹0 Mil. Its Operating Income was ₹831 Mil. And its Long-Term Debt & Capital Lease Obligation was ₹2,782 Mil.

GuruFocus does not calculate Unifinz Capital India's interest coverage with the available 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.

The higher the ratio, the stronger the company's Financial Strength is.

Is Unifinz Capital India (BOM:541358) Overvalued in 2026?

Based on GuruFocus' analysis, Unifinz Capital India stock appears to be undervalued. The current stock price of ₹121.00 is trading 36.4% below its estimated GF Value™ of ₹190.33. GuruFocus considers Unifinz Capital India to be Possible Value Trap.

Key valuation signals for BOM:541358:

  • Interest Coverage: N/A
  • GF Value™: ₹190.33 vs. price of ₹121.00 (36.4% below fair value)
  • GF Score™: 83/100 with 3 warning signs

No single metric tells the full story. See the BOM:541358 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Unifinz Capital India Business Description

Address 24, Nehru Place, 5th Floor, Rajlok Building, New Delhi, IND, 110019
Unifinz Capital India Ltd is a Non-Banking Financial Institution. It offers unsecured personal loans under the brand name lendingplate to individuals spread across various cities in India. The company addresses the financial requirements of under-banked and unbanked populations who remain unserved or underserved by traditional banking systems. Its focus is on financing these segments: vehicles, MSMEs, and mortgage loans.
83GF Score

Get the complete analysis for BOM:541358

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹121.00
Price
₹190.33
GF Value