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Pine LabsBOM:544606 +0.22%7 Interest Coverage is 3.06 as of Mar. 2026, which is 84% above its 10-year median of 1.66. GuruFocus rates BOM:544606 with a GF Score™ of 7/100. The stock has 3 warning signs investors should review. Among 1,713 Software companies, Pine Labs ranks worse than 98.13% 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. Pine Labs's
Operating Income
for the
three
months ended in Mar. 2026 was ₹518 Mil. Pine Labs's Interest Expense for the
three
months ended in Mar. 2026 was ₹-170 Mil.
Pine Labs's interest coverage for the quarter that ended in Mar. 2026 was 3.06.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Pine Labs's Interest Coverage or its related term are showing as below:
BOM:544606'
s Interest Coverage Range Over the Past 10 Years
Min: 0.47 Med: 1.66 Max: 1.66
Current: 0.47
BOM:544606's Interest Coverage is ranked worse than 98.13% of 1713
companies
in the Software industry
Industry Median: 24.54
vs BOM:544606: 0.47
Pine Labs (BOM:544606) 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 .
Pine Labs Interest Coverage Related Terms
Pine Labs Interest Coverage Historical Data
* Premium members only.
The historical data trend for Pine Labs'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:544606 vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, Pine Labs'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.
Pine Labs Interest Coverage vs Software Industry
For the Software industry and Technology sector, Pine Labs's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Pine Labs'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.
Pine Labs (BOM:544606) has a Interest Coverage of 3.06 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Pine Labs and its competitors. This is 84% above median its historical median of 1.66. Over the past decade, Pine Labs' Interest Coverage has ranged from 0.47 to 1.66. According to the industry distribution chart, Pine Labs ranks #1681 out of 1713 companies in the Software industry, placing it in the top 98.1%.
Is Pine Labs' Interest Coverage too high?
Pine Labs' current Interest Coverage of 3.06 is 84% above median its 10-year median of 1.66. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.66. The Software industry median Interest Coverage is 24.54. Pine Labs' value of 3.06 is 87.5% below this industry median. Based on the distribution chart, Pine Labs ranks #1681 out of 1713 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Pine Labs has a GF Score™ of 7/100, reflecting its overall financial health beyond just this single metric.
How does Pine Labs' Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, Pine Labs ranks #1681 out of 1713 companies for Interest Coverage. This places Pine Labs in the lower half of its industry. The industry median Interest Coverage is 24.54. Pine Labs' value of 3.06 is 87.5% below this benchmark. Historically, Pine Labs' own Interest Coverage has ranged from 0.47 to 1.66 over the past decade. While the company's 10-year median is 1.66 vs. the industry median of 24.54, Pine Labs 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 Software company?
The median Interest Coverage among Software companies is 24.54, based on 1,713 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. Pine Labs's current Interest Coverage of 3.06 is 87.5% 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 Pine Labs and its competitors. For the Software industry, the median Interest Coverage is 24.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pine Labs's current Interest Coverage is 3.06, which is 84% above median its own 10-year median of 1.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pine Labs stock overvalued right now?
Pine Labs (BOM:544606) has a current Interest Coverage of 3.06. The current Interest Coverage is 3.06, which is 84% above median its 10-year median of 1.66 and 87.5% below the Software industry median of 24.54. Pine Labs' overall GF Score™ is 7/100 with 3 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 Pine Labs (BOM:544606), the current Interest Coverage is 3.06 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.
Pine Labs Ltd is a technology company digitizing commerce for merchants, brands, enterprises, and financial institutions. It operates two segments: Digital Infrastructure and Transaction Platform, which contributes the majority of its revenue through in-store and online payments, affordability, value-added services, and transaction processing; and Issuing and Acquiring Platform, providing prepaid, loyalty, rewards, and card issuing and acquiring solutions. Its offerings include UPI and payment gateway services, gift cards, card management, and fintech infrastructure. Pine Labs serves banks, corporates, government, fintech, e-commerce, and startups across multiple industries, enabling customer acquisition, onboarding, expense management, rewards, refunds, and embedded bill payments.
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