learnd SE (FRA:LRND) Interest Coverage: 0 (At Loss) (As of Dec. 2025)


FRA:LRND learnd SE FRA:LRND
37 GF Score
Price €2.20
GF Value €0.79
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is learnd SE Interest Coverage?

learnd SE FRA:LRND +1.85% 37 Interest Coverage is 0 (At Loss) as of Dec. 2025. GuruFocus rates FRA:LRND with a GF Score™ of 37/100 and a GF Value™ of €0.79 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 395 Diversified Financial Services companies, learnd SE ranks worse than 253164.3% 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. learnd SE's Operating Income for the six months ended in Dec. 2025 was €-7.67 Mil. learnd SE's Interest Expense for the six months ended in Dec. 2025 was €0.01 Mil. did not have earnings to cover the interest expense. The higher the ratio, the stronger the company's financial strength is.

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


FRA:LRND's Interest Coverage is not ranked *
in the Diversified Financial Services industry.
Industry Median: No Debt
* Ranked among companies with meaningful Interest Coverage only.

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


learnd SE  (FRA:LRND) 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 .


learnd SE Interest Coverage Related Terms


learnd SE Interest Coverage Historical Data

* Premium members only.

The historical data trend for learnd SE'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.

learnd SE Interest Coverage Chart

learnd SE Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
No Debt 0.79 0.00 0.00 0.00

learnd SE Semi-Annual Data
Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Interest Coverage Get a 7-Day Free Trial Premium Member Only 0.00 0.00 0.00 0.18 0.00

FRA:LRND vs XXI, CCXI, DMII: Interest Coverage Comparison

For the Shell Companies subindustry, learnd SE'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.


learnd SE Interest Coverage vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, learnd SE's Interest Coverage distribution charts can be found below:

* The bar in red indicates where learnd SE's Interest Coverage falls into.


FRA:LRND
37GF Score
learnd SE FRA:LRND
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

learnd SE 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.

learnd SE'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, learnd SE's Interest Expense was €-1.66 Mil. Its Operating Income was €-7.37 Mil. And its Long-Term Debt & Capital Lease Obligation was €4.47 Mil.

learnd SE did not have earnings to cover the interest expense.

learnd SE's Interest Coverage for the quarter that ended in Dec. 2025 is calculated as

Here, for the six months ended in Dec. 2025, learnd SE's Interest Expense was €0.01 Mil. Its Operating Income was €-7.67 Mil. And its Long-Term Debt & Capital Lease Obligation was €4.47 Mil.

* 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 0 (At Loss) mean?
learnd SE (FRA:LRND) has a Interest Coverage of 0 (At Loss) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on learnd SE and its competitors. According to the industry distribution chart, learnd SE ranks #999999 out of 395 companies in the Diversified Financial Services industry.
Is learnd SE's Interest Coverage too high?
learnd SE's current Interest Coverage is 0 (At Loss). Based on the distribution chart, learnd SE ranks #999999 out of 395 companies in the Diversified Financial Services industry, which is in the bottom quartile relative to peers. Overall, learnd SE has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does learnd SE's Interest Coverage compare to XXI and CCXI?
According to the Diversified Financial Services industry distribution chart, learnd SE ranks #999999 out of 395 companies for Interest Coverage. This places learnd SE in the lower half of its industry. The industry median Interest Coverage is 10,000.00. 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 Diversified Financial Services company?
The median Interest Coverage among Diversified Financial Services companies is 10,000.00, based on 395 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. 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 learnd SE and its competitors. For the Diversified Financial Services industry, the median Interest Coverage is 10,000.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. learnd SE's current Interest Coverage is 0 (At Loss). However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is learnd SE stock overvalued right now?
Based on GuruFocus' analysis, learnd SE (FRA:LRND) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.79, compared to a current price of €2.20 — trading 178.5% above its estimated fair value. The current Interest Coverage is 0 (At Loss). learnd SE's overall GF Score™ is 37/100 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 learnd SE (FRA:LRND), the current Interest Coverage is 0 (At Loss) 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 learnd SE (FRA:LRND) Overvalued in 2026?

Based on GuruFocus' analysis, learnd SE stock appears to be overvalued. The current stock price of €2.20 is trading 178.5% above its estimated GF Value™ of €0.79. GuruFocus considers learnd SE to be Significantly Overvalued.

Key valuation signals for FRA:LRND:

  • Interest Coverage: 0 (At Loss)
  • GF Value™: €0.79 vs. price of €2.20 (178.5% above fair value)
  • GF Score™: 37/100 with 3 warning signs

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


learnd SE Business Description

Other Exchanges LRND:Germany
Address 5, Heienhaff, Senningerberg, Luxembourg, LUX, L-1736
learnd SE is engaged in the design, installation, service and maintenance of Building Management Systems (BMS) and Building Energy Management Systems, and the provision of associated bureau services.
37GF Score

Get the complete analysis for FRA:LRND

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

€2.20
Price
€0.79
GF Value