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Senco GoldBOM:543936 -0.23%96 Interest Coverage is 4.48 as of Mar. 2026, which is 20% above its 10-year median of 3.73. GuruFocus rates BOM:543936 with a GF Score™ of 96/100 and a GF Value™ of ₹498.62 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 830 Retail - Cyclical companies, Senco Gold ranks worse than 65.54% 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. Senco Gold's
Operating Income
for the
three
months ended in Mar. 2026 was ₹2,512 Mil. Senco Gold's Interest Expense for the
three
months ended in Mar. 2026 was ₹-561 Mil.
Senco Gold's interest coverage for the quarter that ended in Mar. 2026 was 4.48.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Senco Gold's Interest Coverage or its related term are showing as below:
BOM:543936'
s Interest Coverage Range Over the Past 10 Years
Min: 2.2 Med: 3.73 Max: 4.34
Current: 4.34
BOM:543936's Interest Coverage is ranked worse than 65.54% of 830
companies
in the Retail - Cyclical industry
Industry Median: 7.45
vs BOM:543936: 4.34
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 .
Senco Gold Interest Coverage Related Terms
Senco Gold Interest Coverage Historical Data
* Premium members only.
The historical data trend for Senco Gold'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.
For the Luxury Goods subindustry, Senco Gold'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.
Senco Gold Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Senco Gold's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Senco Gold'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.
Senco Gold (BOM:543936) has a Interest Coverage of 4.48 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Senco Gold and its competitors. This is 20% above median its historical median of 3.73. Over the past decade, Senco Gold's Interest Coverage has ranged from 2.20 to 4.34. According to the industry distribution chart, Senco Gold ranks #544 out of 830 companies in the Retail - Cyclical industry, placing it in the top 65.5%.
Is Senco Gold's Interest Coverage too high?
Senco Gold's current Interest Coverage of 4.48 is 20% above median its 10-year median of 3.73. Over the past 10 years, this metric has ranged from a low of 2.20 to a high of 4.34. The Retail - Cyclical industry median Interest Coverage is 7.45. Senco Gold's value of 4.48 is 39.9% below this industry median. Based on the distribution chart, Senco Gold ranks #544 out of 830 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Senco Gold has a GF Score™ of 96/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Senco Gold's Interest Coverage compare to TPR?
According to the Retail - Cyclical industry distribution chart, Senco Gold ranks #544 out of 830 companies for Interest Coverage. This places Senco Gold in the lower half of its industry. The industry median Interest Coverage is 7.45. Senco Gold's value of 4.48 is 39.9% below this benchmark. Historically, Senco Gold's own Interest Coverage has ranged from 2.20 to 4.34 over the past decade. While the company's 10-year median is 3.73 vs. the industry median of 7.45, Senco Gold has consistently been below the industry average. 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 Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.45, based on 830 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. Senco Gold's current Interest Coverage of 4.48 is 39.9% below the industry median. 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 Senco Gold and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Senco Gold's current Interest Coverage is 4.48, which is 20% above median its own 10-year median of 3.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Senco Gold stock overvalued right now?
Based on GuruFocus' analysis, Senco Gold (BOM:543936) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹498.62, compared to a current price of ₹364.45 — trading 26.9% below its estimated fair value. The current Interest Coverage is 4.48, which is 20% above median its 10-year median of 3.73 and 39.9% below the Retail - Cyclical industry median of 7.45. Senco Gold's overall GF Score™ is 96/100 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 Senco Gold (BOM:543936), the current Interest Coverage is 4.48 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 Senco Gold (BOM:543936) Overvalued in 2026?
Based on GuruFocus' analysis, Senco Gold stock appears to be undervalued.
The current stock price of ₹364.45 is trading 26.9% below its estimated GF Value™ of ₹498.62.
GuruFocus considers Senco Gold to be Modestly Undervalued.
Key valuation signals for BOM:543936:
Interest Coverage: 4.48 (20% above median its 10-year median of 3.73)
GF Value™: ₹498.62 vs. price of ₹364.45 (26.9% below fair value)
Industry Position: 39.9% below the Retail - Cyclical median (#544 of 830)
No single metric tells the full story. See the BOM:543936 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Senco Gold Ltd is a pan-India jewellery retail company with a history of more than five decades, and has a fourth-generation entrepreneur in the jewellery industry as its Promoter. The company principally sell gold and diamond jewellery and also sells jewellery made of silver, platinum, precious and semi-precious stones and other metals. Its other offerings also include costume jewellery, gold and silver coins and utensils made of silver. Its products are sold under the Senco Gold & Diamonds tradename, through multiple channels, including its 75 Company Operated Showrooms and 61 Franchisee Showrooms and various online platforms, including its website. Geographically, the company generates the majority of its revenue from India.
96GF Score
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