Ser EducacionalBSP:SEER3 -0.90%78 Interest Coverage is 3.01 as of Mar. 2026, which is 38% above its 10-year median of 2.18. GuruFocus rates BSP:SEER3 with a GF Score™ of 78/100 and a GF Value™ of R$8.14 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 195 Education companies, Ser Educacional ranks worse than 80.51% 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. Ser Educacional's
Operating Income
for the
three
months ended in Mar. 2026 was R$136 Mil. Ser Educacional's Interest Expense for the
three
months ended in Mar. 2026 was R$-45 Mil.
Ser Educacional's interest coverage for the quarter that ended in Mar. 2026 was 3.01.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Ser Educacional's Interest Coverage or its related term are showing as below:
BSP:SEER3'
s Interest Coverage Range Over the Past 10 Years
Min: 1.1 Med: 2.18 Max: 4.13
Current: 2.63
BSP:SEER3's Interest Coverage is ranked worse than 80.51% of 195
companies
in the Education industry
Industry Median: 12.93
vs BSP:SEER3: 2.63
Ser Educacional (BSP:SEER3) 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 .
Ser Educacional Interest Coverage Related Terms
Ser Educacional Interest Coverage Historical Data
* Premium members only.
The historical data trend for Ser Educacional'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.
BSP:SEER3 vs EDU, TAL, LAUR: Interest Coverage Comparison
For the Education & Training Services subindustry, Ser Educacional'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.
Ser Educacional Interest Coverage vs Education Industry
For the Education industry and Consumer Defensive sector, Ser Educacional's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Ser Educacional'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.
Ser Educacional (BSP:SEER3) has a Interest Coverage of 3.01 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ser Educacional and its competitors. This is 38% above median its historical median of 2.18. Over the past decade, Ser Educacional's Interest Coverage has ranged from 1.10 to 4.13. According to the industry distribution chart, Ser Educacional ranks #157 out of 195 companies in the Education industry, placing it in the top 80.5%.
Is Ser Educacional's Interest Coverage too high?
Ser Educacional's current Interest Coverage of 3.01 is 38% above median its 10-year median of 2.18. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 4.13. The Education industry median Interest Coverage is 12.93. Ser Educacional's value of 3.01 is 76.7% below this industry median. Based on the distribution chart, Ser Educacional ranks #157 out of 195 companies in the Education industry, which is in the bottom quartile relative to peers. Overall, Ser Educacional has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ser Educacional's Interest Coverage compare to EDU and TAL?
According to the Education industry distribution chart, Ser Educacional ranks #157 out of 195 companies for Interest Coverage. This places Ser Educacional in the lower half of its industry. The industry median Interest Coverage is 12.93. Ser Educacional's value of 3.01 is 76.7% below this benchmark. Historically, Ser Educacional's own Interest Coverage has ranged from 1.10 to 4.13 over the past decade. While the company's 10-year median is 2.18 vs. the industry median of 12.93, Ser Educacional 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 an Education company?
The median Interest Coverage among Education companies is 12.93, based on 195 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. Ser Educacional's current Interest Coverage of 3.01 is 76.7% 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 Ser Educacional and its competitors. For the Education industry, the median Interest Coverage is 12.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ser Educacional's current Interest Coverage is 3.01, which is 38% above median its own 10-year median of 2.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ser Educacional stock overvalued right now?
Based on GuruFocus' analysis, Ser Educacional (BSP:SEER3) is currently considered Significantly Overvalued. The stock's GF Value™ is R$8.14, compared to a current price of R$11.04 — trading 35.6% above its estimated fair value. The current Interest Coverage is 3.01, which is 38% above median its 10-year median of 2.18 and 76.7% below the Education industry median of 12.93. Ser Educacional's overall GF Score™ is 78/100 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 Ser Educacional (BSP:SEER3), the current Interest Coverage is 3.01 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 Ser Educacional (BSP:SEER3) Overvalued in 2026?
Based on GuruFocus' analysis, Ser Educacional stock appears to be overvalued.
The current stock price of R$11.04 is trading 35.6% above its estimated GF Value™ of R$8.14.
GuruFocus considers Ser Educacional to be Significantly Overvalued.
Key valuation signals for BSP:SEER3:
Interest Coverage: 3.01 (38% above median its 10-year median of 2.18)
GF Value™: R$8.14 vs. price of R$11.04 (35.6% above fair value)
Industry Position: 76.7% below the Education median (#157 of 195)
No single metric tells the full story. See the BSP:SEER3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ser Educacional SA is an education and training services company. It is principally involved in the development and management activities for on-campus and distance-learning undergraduate, graduate, professional training, and other areas of education, and in participation, as a partner or shareholder, in other partnerships and companies in Brazil. Geographically, the operations are carried out through Brazil which also accounts for the majority of the revenue which includes monthly tuitions charged to students enrolled semiannually in regular undergraduate, graduate, distance learning, and technical courses.
78GF Score
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