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Fedbank Financial ServicesBOM:544027 -0.19%62 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 27.75. GuruFocus rates BOM:544027 with a GF Score™ of 62/100 and a GF Value™ of ₹158.05 (Fairly Valued). The stock has 7 warning signs investors should review. Among 164 Credit Services companies, Fedbank Financial Services ranks worse than 609755.49% 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. Fedbank Financial Services's
Operating Income
for the
three
months ended in Jun. 2026 was ₹1,860 Mil. Fedbank Financial Services's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
Fedbank Financial Services 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 Fedbank Financial Services's Interest Coverage or its related term are showing as below:
BOM:544027's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 51.6 * Ranked among companies with meaningful Interest Coverage only.
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 .
Fedbank Financial Services Interest Coverage Related Terms
Fedbank Financial Services 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:544027 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Fedbank Financial Services'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.
Fedbank Financial Services Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fedbank Financial Services's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Fedbank Financial Services'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 No Debt <sup>(1)</sup> mean?
Fedbank Financial Services (BOM:544027) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Fedbank Financial Services and its competitors. This is 96% below median its historical median of 27.75. Over the past decade, Fedbank Financial Services' Interest Coverage has ranged from 13.91 to 39.58. According to the industry distribution chart, Fedbank Financial Services ranks #999999 out of 164 companies in the Credit Services industry.
Is Fedbank Financial Services' Interest Coverage too high?
Fedbank Financial Services' current Interest Coverage of No Debt (1) is 96% below median its 10-year median of 27.75. Over the past 10 years, this metric has ranged from a low of 13.91 to a high of 39.58. Based on the distribution chart, Fedbank Financial Services ranks #999999 out of 164 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Fedbank Financial Services has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fedbank Financial Services' Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Fedbank Financial Services ranks #999999 out of 164 companies for Interest Coverage. This places Fedbank Financial Services in the lower half of its industry. The industry median Interest Coverage is 51.60. Historically, Fedbank Financial Services' own Interest Coverage has ranged from 13.91 to 39.58 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 51.60, based on 164 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 Fedbank Financial Services and its competitors. For the Credit Services industry, the median Interest Coverage is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fedbank Financial Services's current Interest Coverage is No Debt (1), which is 96% below median its own 10-year median of 27.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fedbank Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Fedbank Financial Services (BOM:544027) is currently considered Fairly Valued. The stock's GF Value™ is ₹158.05, compared to a current price of ₹158.05 — trading right at its estimated fair value. The current Interest Coverage is No Debt (1), which is 96% below median its 10-year median of 27.75. Fedbank Financial Services' overall GF Score™ is 62/100 with 7 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 Fedbank Financial Services (BOM:544027), the current Interest Coverage is No Debt (1) as of Jun. 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 Fedbank Financial Services (BOM:544027) Overvalued in 2026?
Based on GuruFocus' analysis, Fedbank Financial Services stock appears to be undervalued.
The current stock price of ₹158.05 is trading 0% below its estimated GF Value™ of ₹158.05.
GuruFocus considers Fedbank Financial Services to be Fairly Valued.
Key valuation signals for BOM:544027:
Interest Coverage: No Debt (1) (96% below median its 10-year median of 27.75)
GF Value™: ₹158.05 vs. price of ₹158.05 (0% below fair value)
No single metric tells the full story. See the BOM:544027 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fedbank Financial Services Ltd is a retail-focused non-banking finance company. It is focused on catering to the MSMEs and the emerging self-employed individuals (ESEIs) sector. It has a well-tailored suite of products targeted to match its customers' needs, which includes mortgage loans such as housing loans; small ticket loans against property (LAP); medium ticket LAP, unsecured business loans, and gold loans. It also has a Phygital doorstep model, a combination of digital and physical initiatives, for providing customized services to its customers across all of its products. The company's operations are classified into three business segments; the Retail Finance segment which derives the majority of its revenue, Distribution segment, and the Wholesale Finance segment.
62GF Score
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