CTO Realty GrowthCTO +2.84%73 Interest Coverage is 1.44 as of Mar. 2026, which is 32% above its 10-year median of 1.09. GuruFocus rates CTO with a GF Score™ of 73/100 and a GF Value™ of $18.50 (Modestly Overvalued). The stock has 12 warning signs investors should review. Among 700 REITs companies, CTO Realty Growth ranks worse than 83.43% 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. CTO Realty Growth's
Operating Income
for the
three
months ended in Mar. 2026 was $10.0 Mil. CTO Realty Growth's Interest Expense for the
three
months ended in Mar. 2026 was $-6.9 Mil.
CTO Realty Growth's interest coverage for the quarter that ended in Mar. 2026 was 1.44.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for CTO Realty Growth's Interest Coverage or its related term are showing as below:
CTO'
s Interest Coverage Range Over the Past 10 Years
Min: 0.46 Med: 1.09 Max: 3.46
Current: 1.31
CTO's Interest Coverage is ranked worse than 83.43% of 700
companies
in the REITs industry
Industry Median: 3.095
vs CTO: 1.31
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 .
CTO Realty Growth Interest Coverage Related Terms
CTO Realty Growth Interest Coverage Historical Data
* Premium members only.
The historical data trend for CTO Realty Growth'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.
CTO vs GOOD, JBGS, AHRT: Interest Coverage Comparison
For the REIT - Diversified subindustry, CTO Realty Growth'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.
CTO Realty Growth Interest Coverage vs REITs Industry
For the REITs industry and Real Estate sector, CTO Realty Growth's Interest Coverage distribution charts can be found below:
* The bar in red indicates where CTO Realty Growth'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.
CTO Realty Growth (CTO) has a Interest Coverage of 1.44 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CTO Realty Growth and its competitors. This is 32% above median its historical median of 1.09. Over the past decade, CTO Realty Growth's Interest Coverage has ranged from 0.46 to 3.46. According to the industry distribution chart, CTO Realty Growth ranks #584 out of 700 companies in the REITs industry, placing it in the top 83.4%.
Is CTO Realty Growth's Interest Coverage too high?
CTO Realty Growth's current Interest Coverage of 1.44 is 32% above median its 10-year median of 1.09. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 3.46. The REITs industry median Interest Coverage is 3.10. CTO Realty Growth's value of 1.44 is 53.5% below this industry median. Based on the distribution chart, CTO Realty Growth ranks #584 out of 700 companies in the REITs industry, which is in the bottom quartile relative to peers. Overall, CTO Realty Growth has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CTO Realty Growth's Interest Coverage compare to GOOD and JBGS?
According to the REITs industry distribution chart, CTO Realty Growth ranks #584 out of 700 companies for Interest Coverage. This places CTO Realty Growth in the lower half of its industry. The industry median Interest Coverage is 3.10. CTO Realty Growth's value of 1.44 is 53.5% below this benchmark. Historically, CTO Realty Growth's own Interest Coverage has ranged from 0.46 to 3.46 over the past decade. While the company's 10-year median is 1.09 vs. the industry median of 3.10, CTO Realty Growth 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 REITs company?
The median Interest Coverage among REITs companies is 3.10, based on 700 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. CTO Realty Growth's current Interest Coverage of 1.44 is 53.5% 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 CTO Realty Growth and its competitors. For the REITs industry, the median Interest Coverage is 3.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CTO Realty Growth's current Interest Coverage is 1.44, which is 32% above median its own 10-year median of 1.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CTO Realty Growth stock overvalued right now?
Based on GuruFocus' analysis, CTO Realty Growth (CTO) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.50, compared to a current price of $21.74 — trading 17.5% above its estimated fair value. The current Interest Coverage is 1.44, which is 32% above median its 10-year median of 1.09 and 53.5% below the REITs industry median of 3.10. CTO Realty Growth's overall GF Score™ is 73/100 with 12 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 CTO Realty Growth (CTO), the current Interest Coverage is 1.44 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 CTO Realty Growth (CTO) Overvalued in 2026?
Based on GuruFocus' analysis, CTO Realty Growth stock appears to be overvalued.
The current stock price of $21.74 is trading 17.5% above its estimated GF Value™ of $18.50.
GuruFocus considers CTO Realty Growth to be Modestly Overvalued.
Key valuation signals for CTO:
Interest Coverage: 1.44 (32% above median its 10-year median of 1.09)
GF Value™: $18.50 vs. price of $21.74 (17.5% above fair value)
Industry Position: 53.5% below the REITs median (#584 of 700)
No single metric tells the full story. See the CTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CTO Realty Growth Inc is a real estate investment trust company, that owns income properties in diversified markets in the United States. The company operates in four primary business segments: Income properties, management services, commercial loans and investments, and real estate operations. It derives maximum revenue from Income Properties.
73GF Score
Get the complete analysis for CTO
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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