ECN CapitalECNCF +0.40%48 Interest Coverage is 34.61 as of Dec. 2025, which is 51% above its 10-year median of 22.99. GuruFocus rates ECNCF with a GF Score™ of 48/100 and a GF Value™ of $2.43 (Fairly Valued). The stock has 6 warning signs investors should review. Among 21 Banks companies, ECN Capital ranks better than 52.38% 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. ECN Capital's
Operating Income
for the
three
months ended in Dec. 2025 was $16.3 Mil. ECN Capital's Interest Expense for the
three
months ended in Dec. 2025 was $-0.5 Mil.
ECN Capital's interest coverage for the quarter that ended in Dec. 2025 was 34.61.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for ECN Capital's Interest Coverage or its related term are showing as below:
ECNCF'
s Interest Coverage Range Over the Past 10 Years
Min: 22.99 Med: 22.99 Max: 23.14
Current: 23.14
ECNCF's Interest Coverage is ranked better than 52.38% of 21
companies
in the Banks industry
Industry Median: 22.68
vs ECNCF: 23.14
ECN Capital (OTCPK:ECNCF) 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 .
ECN Capital Interest Coverage Related Terms
ECN Capital Interest Coverage Historical Data
* Premium members only.
The historical data trend for ECN Capital'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.
ECNCF vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, ECN Capital'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.
ECN Capital Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, ECN Capital's Interest Coverage distribution charts can be found below:
* The bar in red indicates where ECN Capital'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.
ECN Capital (ECNCF) has a Interest Coverage of 34.61 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on ECN Capital and its competitors. This is 51% above median its historical median of 22.99. Over the past decade, ECN Capital's Interest Coverage has ranged from 22.99 to 23.14. According to the industry distribution chart, ECN Capital ranks #10 out of 21 companies in the Banks industry, placing it in the top 47.6%.
Is ECN Capital's Interest Coverage too high?
ECN Capital's current Interest Coverage of 34.61 is 51% above median its 10-year median of 22.99. Over the past 10 years, this metric has ranged from a low of 22.99 to a high of 23.14. The Banks industry median Interest Coverage is 22.68. ECN Capital's value of 34.61 is 52.6% above this industry median. Based on the distribution chart, ECN Capital ranks #10 out of 21 companies in the Banks industry, which is above the industry midpoint. Overall, ECN Capital has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ECN Capital's Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, ECN Capital ranks #10 out of 21 companies for Interest Coverage. This puts ECN Capital in the upper half of its industry. The industry median Interest Coverage is 22.68. ECN Capital's value of 34.61 is 52.6% above this benchmark. Historically, ECN Capital's own Interest Coverage has ranged from 22.99 to 23.14 over the past decade. While the company's 10-year median is 22.99 vs. the industry median of 22.68, ECN Capital 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 Banks company?
The median Interest Coverage among Banks companies is 22.68, based on 21 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. ECN Capital's current Interest Coverage of 34.61 is 52.6% 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 ECN Capital and its competitors. For the Banks industry, the median Interest Coverage is 22.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ECN Capital's current Interest Coverage is 34.61, which is 51% above median its own 10-year median of 22.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ECN Capital stock overvalued right now?
Based on GuruFocus' analysis, ECN Capital (ECNCF) is currently considered Fairly Valued. The stock's GF Value™ is $2.43, compared to a current price of $2.26 — trading 7% below its estimated fair value. The current Interest Coverage is 34.61, which is 51% above median its 10-year median of 22.99 and 52.6% above the Banks industry median of 22.68. ECN Capital's overall GF Score™ is 48/100 with 6 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 ECN Capital (ECNCF), the current Interest Coverage is 34.61 as of Dec. 2025. 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 ECN Capital (ECNCF) Overvalued in 2026?
Based on GuruFocus' analysis, ECN Capital stock appears to be undervalued.
The current stock price of $2.26 is trading 7% below its estimated GF Value™ of $2.43.
GuruFocus considers ECN Capital to be Fairly Valued.
Key valuation signals for ECNCF:
Interest Coverage: 34.61 (51% above median its 10-year median of 22.99)
GF Value™: $2.43 vs. price of $2.26 (7% below fair value)
Industry Position: 52.6% above the Banks median (#10 of 21)
No single metric tells the full story. See the ECNCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ECN Capital Corp is a financial business service provider. The group originates, manages, and advises on credit assets on behalf of its partners, specifically consumer loans and commercial loans. Its operating segments are: Manufactured Housing Finance and Recreational Vehicle and Marine (RV and Marine) Finance. The group generates maximum revenue from the Manufactured Housing Finance segment.
48GF Score
Get the complete analysis for ECNCF
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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