GreggsGGGSF 78 Interest Coverage is 12.87 as of Dec. 2025, which is 37% below its 10-year median of 20.43. GuruFocus rates GGGSF with a GF Score™ of 78/100 and a GF Value™ of $45.81 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 262 Restaurants companies, Greggs ranks better than 66.41% 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. Greggs's
Operating Income
for the
six
months ended in Dec. 2025 was $157 Mil. Greggs's Interest Expense for the
six
months ended in Dec. 2025 was $-12 Mil.
Greggs's interest coverage for the quarter that ended in Dec. 2025 was 12.87.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Greggs's Interest Coverage or its related term are showing as below:
GGGSF'
s Interest Coverage Range Over the Past 10 Years
Min: 10.84 Med: 20.43 Max: 506.52
Current: 10.84
GGGSF's Interest Coverage is ranked better than 66.41% of 262
companies
in the Restaurants industry
Industry Median: 6.45
vs GGGSF: 10.84
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 .
Greggs Interest Coverage Related Terms
Greggs Interest Coverage Historical Data
* Premium members only.
The historical data trend for Greggs'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.
GGGSF vs MCD, SBUX, CMG: Interest Coverage Comparison
For the Restaurants subindustry, Greggs'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.
Greggs Interest Coverage vs Restaurants Industry
For the Restaurants industry and Consumer Cyclical sector, Greggs's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Greggs'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.
Greggs (GGGSF) has a Interest Coverage of 12.87 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Greggs and its competitors. This is 37% below median its historical median of 20.43. Over the past decade, Greggs' Interest Coverage has ranged from 10.84 to 506.52. According to the industry distribution chart, Greggs ranks #88 out of 262 companies in the Restaurants industry, placing it in the top 33.6%.
Is Greggs' Interest Coverage too high?
Greggs' current Interest Coverage of 12.87 is 37% below median its 10-year median of 20.43. Over the past 10 years, this metric has ranged from a low of 10.84 to a high of 506.52. The Restaurants industry median Interest Coverage is 6.45. Greggs' value of 12.87 is 99.5% above this industry median. Based on the distribution chart, Greggs ranks #88 out of 262 companies in the Restaurants industry, which is above the industry midpoint. Overall, Greggs has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Greggs' Interest Coverage compare to MCD and SBUX?
According to the Restaurants industry distribution chart, Greggs ranks #88 out of 262 companies for Interest Coverage. This puts Greggs in the upper half of its industry. The industry median Interest Coverage is 6.45. Greggs' value of 12.87 is 99.5% above this benchmark. Historically, Greggs' own Interest Coverage has ranged from 10.84 to 506.52 over the past decade. While the company's 10-year median is 20.43 vs. the industry median of 6.45, Greggs 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 Restaurants company?
The median Interest Coverage among Restaurants companies is 6.45, based on 262 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. Greggs's current Interest Coverage of 12.87 is 99.5% 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 Greggs and its competitors. For the Restaurants industry, the median Interest Coverage is 6.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greggs's current Interest Coverage is 12.87, which is 37% below median its own 10-year median of 20.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Greggs stock overvalued right now?
Based on GuruFocus' analysis, Greggs (GGGSF) is currently considered Significantly Undervalued. The stock's GF Value™ is $45.81, compared to a current price of $20.51 — trading 55.2% below its estimated fair value. The current Interest Coverage is 12.87, which is 37% below median its 10-year median of 20.43 and 99.5% above the Restaurants industry median of 6.45. Greggs' overall GF Score™ is 78/100 with 4 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 Greggs (GGGSF), the current Interest Coverage is 12.87 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 Greggs (GGGSF) Overvalued in 2026?
Based on GuruFocus' analysis, Greggs stock appears to be undervalued.
The current stock price of $20.51 is trading 55.2% below its estimated GF Value™ of $45.81.
GuruFocus considers Greggs to be Significantly Undervalued.
Key valuation signals for GGGSF:
Interest Coverage: 12.87 (37% below median its 10-year median of 20.43)
GF Value™: $45.81 vs. price of $20.51 (55.2% below fair value)
Industry Position: 99.5% above the Restaurants median (#88 of 262)
No single metric tells the full story. See the GGGSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Greggs PLC is a U.K.-based company that is principally engaged in manufacturing, distributing, and retailing bakery goods, sandwiches, and drinks under the Greggs brand. The company focuses on the food-on-the-go market. It has a vertically integrated supply network, with its bakeries & delivery network. Greggs operates in two segments: Company-managed retail activities and the Business-to-business channel. The majority of its revenue is generated from the Company-managed retail activities segment, in which the Group sells a consistent range of fresh bakery goods, sandwiches, and drinks in its own shops or via delivery. Sales are made to the general public on a cash basis. All results arise in the United Kingdom.
78GF Score
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