Inter Cars (FRA:7FZ) Interest Coverage: 6.73 (As of Mar. 2026) — 23% Below Median


FRA:7FZ Inter Cars SA FRA:7FZ
34 GF Score
Price €179.00
GF Value €149.24
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Inter Cars Interest Coverage?

Inter Cars FRA:7FZ -0.56% 34 Interest Coverage is 6.73 as of Mar. 2026, which is 23% below its 10-year median of 8.69. GuruFocus rates FRA:7FZ with a GF Score™ of 34/100 and a GF Value™ of €149.24 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,066 Vehicles & Parts companies, Inter Cars ranks worse than 51.41% 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. Inter Cars's Operating Income for the three months ended in Mar. 2026 was €74 Mil. Inter Cars's Interest Expense for the three months ended in Mar. 2026 was €-11 Mil. Inter Cars's interest coverage for the quarter that ended in Mar. 2026 was 6.73. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for Inter Cars's Interest Coverage or its related term are showing as below:

FRA:7FZ' s Interest Coverage Range Over the Past 10 Years
Min: 5.75   Med: 8.69   Max: 23.64
Current: 7.75


FRA:7FZ's Interest Coverage is ranked worse than
51.41% of 1066 companies
in the Vehicles & Parts industry
Industry Median: 8.295 vs FRA:7FZ: 7.75

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


Inter Cars  (FRA:7FZ) 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 .


Inter Cars Interest Coverage Related Terms


Inter Cars Interest Coverage Historical Data

* Premium members only.

The historical data trend for Inter Cars'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.

Inter Cars Interest Coverage Chart

Inter Cars Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.63 8.84 6.05 6.32 6.99

Inter Cars Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.55 5.44 9.45 11.86 6.73

FRA:7FZ vs ORLY, AZO: Interest Coverage Comparison

For the Auto Parts subindustry, Inter Cars'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.


Inter Cars Interest Coverage vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, Inter Cars's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Inter Cars's Interest Coverage falls into.


FRA:7FZ
34GF Score
Inter Cars SA FRA:7FZ
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Inter Cars Interest Coverage Calculation

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:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Inter Cars's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, Inter Cars's Interest Expense was €-39 Mil. Its Operating Income was €276 Mil. And its Long-Term Debt & Capital Lease Obligation was €530 Mil.

Interest Coverage=-1* Operating Income (A: Dec. 2025 )/Interest Expense (A: Dec. 2025 )
=-1*276.111/-39.495
=6.99

Inter Cars's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Here, for the three months ended in Mar. 2026, Inter Cars's Interest Expense was €-11 Mil. Its Operating Income was €74 Mil. And its Long-Term Debt & Capital Lease Obligation was €538 Mil.

Interest Coverage=-1* Operating Income (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*73.755/-10.964
=6.73

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 6.73 mean?
Inter Cars (FRA:7FZ) has a Interest Coverage of 6.73 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Inter Cars and its competitors. This is 23% below median its historical median of 8.69. Over the past decade, Inter Cars' Interest Coverage has ranged from 5.75 to 23.64. According to the industry distribution chart, Inter Cars ranks #548 out of 1066 companies in the Vehicles & Parts industry, placing it in the top 51.4%.
Is Inter Cars' Interest Coverage too high?
Inter Cars' current Interest Coverage of 6.73 is 23% below median its 10-year median of 8.69. Over the past 10 years, this metric has ranged from a low of 5.75 to a high of 23.64. The Vehicles & Parts industry median Interest Coverage is 8.30. Inter Cars' value of 6.73 is 18.9% below this industry median. Based on the distribution chart, Inter Cars ranks #548 out of 1066 companies in the Vehicles & Parts industry, which is below the industry midpoint. Overall, Inter Cars has a GF Score™ of 34/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Inter Cars' Interest Coverage compare to ORLY and AZO?
According to the Vehicles & Parts industry distribution chart, Inter Cars ranks #548 out of 1066 companies for Interest Coverage. This places Inter Cars in the lower half of its industry. The industry median Interest Coverage is 8.30. Inter Cars' value of 6.73 is 18.9% below this benchmark. Historically, Inter Cars' own Interest Coverage has ranged from 5.75 to 23.64 over the past decade. While the company's 10-year median is 8.69 vs. the industry median of 8.30, Inter Cars 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 Vehicles & Parts company?
The median Interest Coverage among Vehicles & Parts companies is 8.30, based on 1,066 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. Inter Cars's current Interest Coverage of 6.73 is 18.9% 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 Inter Cars and its competitors. For the Vehicles & Parts industry, the median Interest Coverage is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inter Cars's current Interest Coverage is 6.73, which is 23% below median its own 10-year median of 8.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Inter Cars stock overvalued right now?
Based on GuruFocus' analysis, Inter Cars (FRA:7FZ) is currently considered Modestly Overvalued. The stock's GF Value™ is €149.24, compared to a current price of €179.00 — trading 19.9% above its estimated fair value. The current Interest Coverage is 6.73, which is 23% below median its 10-year median of 8.69 and 18.9% below the Vehicles & Parts industry median of 8.30. Inter Cars' overall GF Score™ is 34/100 with 7 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 Inter Cars (FRA:7FZ), the current Interest Coverage is 6.73 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 Inter Cars (FRA:7FZ) Overvalued in 2026?

Based on GuruFocus' analysis, Inter Cars stock appears to be overvalued. The current stock price of €179.00 is trading 19.9% above its estimated GF Value™ of €149.24. GuruFocus considers Inter Cars to be Modestly Overvalued.

Key valuation signals for FRA:7FZ:

  • Interest Coverage: 6.73 (23% below median its 10-year median of 8.69)
  • GF Value™: €149.24 vs. price of €179.00 (19.9% above fair value)
  • GF Score™: 34/100 with 7 warning signs
  • Industry Position: 18.9% below the Vehicles & Parts median (#548 of 1066)

No single metric tells the full story. See the FRA:7FZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Inter Cars Business Description

Other Exchanges CAR:Poland
Address Swobodnia 35, Zakroczym, POL, 05-180
Inter Cars SA is engaged in the import and distribution of spare parts and tyres for passenger cars and utility vehicles. The company's product offerings include Spare parts for passenger cars, Spare parts for commercial vehicles and buses, tyres, batteries, lubricants, garage equipment, motorcycles, and parts, Accessories, and other sales - services. Its segments include: Sale of spare parts; and Sale of spare parts Ukraine.
34GF Score

Get the complete analysis for FRA:7FZ

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€179.00
Price
€149.24
GF Value