Citi TrendsCTRN +3.45%63 Interest Coverage is 85.76 as of Apr. 2026, which is 29% below its 10-year median of 121.08. GuruFocus rates CTRN with a GF Score™ of 63/100 and a GF Value™ of $28.99 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 828 Retail - Cyclical companies, Citi Trends ranks worse than 120772.83% 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. Citi Trends's
Operating Income
for the
three
months ended in Apr. 2026 was $7.4 Mil. Citi Trends's Interest Expense for the
three
months ended in Apr. 2026 was $-0.1 Mil.
Citi Trends's interest coverage for the quarter that ended in Apr. 2026 was 85.76.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Citi Trends's Interest Coverage or its related term are showing as below:
CTRN's Interest Coverage is not ranked *
in the Retail - Cyclical industry.
Industry Median: 7.915 * Ranked among companies with meaningful Interest Coverage only.
Citi Trends (NAS:CTRN) 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 .
Citi Trends Interest Coverage Related Terms
Citi Trends Interest Coverage Historical Data
* Premium members only.
The historical data trend for Citi Trends'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.
CTRN vs LE, GCO, ZUMZ: Interest Coverage Comparison
For the Apparel Retail subindustry, Citi Trends'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.
Citi Trends Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Citi Trends's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Citi Trends'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.
Citi Trends (CTRN) has a Interest Coverage of 85.76 as of Apr. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Citi Trends and its competitors. This is 29% below median its historical median of 121.08. According to the industry distribution chart, Citi Trends ranks #999999 out of 828 companies in the Retail - Cyclical industry.
Is Citi Trends' Interest Coverage too high?
Citi Trends' current Interest Coverage of 85.76 is 29% below median its 10-year median of 121.08. The Retail - Cyclical industry median Interest Coverage is 7.92. Citi Trends' value of 85.76 is 983.5% above this industry median. Based on the distribution chart, Citi Trends ranks #999999 out of 828 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Citi Trends has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citi Trends' Interest Coverage compare to LE and GCO?
According to the Retail - Cyclical industry distribution chart, Citi Trends ranks #999999 out of 828 companies for Interest Coverage. This places Citi Trends in the lower half of its industry. The industry median Interest Coverage is 7.92. Citi Trends' value of 85.76 is 983.5% above this benchmark. While the company's 10-year median is 121.08 vs. the industry median of 7.92, Citi Trends has consistently been above 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 7.92, based on 828 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. Citi Trends's current Interest Coverage of 85.76 is 983.5% above 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 Citi Trends and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citi Trends's current Interest Coverage is 85.76, which is 29% below median its own 10-year median of 121.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citi Trends stock overvalued right now?
Based on GuruFocus' analysis, Citi Trends (CTRN) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.99, compared to a current price of $58.12 — trading 100.5% above its estimated fair value. The current Interest Coverage is 85.76, which is 29% below median its 10-year median of 121.08 and 983.5% above the Retail - Cyclical industry median of 7.92. Citi Trends' overall GF Score™ is 63/100 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 Citi Trends (CTRN), the current Interest Coverage is 85.76 as of Apr. 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 Citi Trends (CTRN) Overvalued in 2026?
Based on GuruFocus' analysis, Citi Trends stock appears to be overvalued.
The current stock price of $58.12 is trading 100.5% above its estimated GF Value™ of $28.99.
GuruFocus considers Citi Trends to be Significantly Overvalued.
Key valuation signals for CTRN:
Interest Coverage: 85.76 (29% below median its 10-year median of 121.08)
GF Value™: $28.99 vs. price of $58.12 (100.5% above fair value)
Industry Position: 983.5% above the Retail - Cyclical median (#999999 of 828)
No single metric tells the full story. See the CTRN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citi Trends Inc is a differentiated off-price value retailer known for trendy fashions, great brands and amazing prices. It is the off-price retailer specifically focused on Black customers, delivering the styles, brands, and trends at amazing prices that resonate with its primary and secondary customers. Its product offering is Women's, Men's and Children's apparel, family footwear, accessories and products for the home, with a three-tiered mix of product. At the opening price point, the company offers value-focused basics for its budget-conscious customers.
63GF Score
Get the complete analysis for CTRN
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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