HORNBACH Baumarkt AGHAM:HBM 69 Interest Coverage is 3.29 as of Feb. 2026, which is 6% below its 10-year median of 3.49. GuruFocus rates HAM:HBM with a GF Score™ of 69/100 and a GF Value™ of €58.60 (Fairly Valued). The stock has 3 warning signs investors should review. Among 825 Retail - Cyclical companies, HORNBACH Baumarkt AG ranks worse than 71.76% 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. HORNBACH Baumarkt AG's
Operating Income
for the
six
months ended in Feb. 2026 was €244 Mil. HORNBACH Baumarkt AG's Interest Expense for the
six
months ended in Feb. 2026 was €-74 Mil.
HORNBACH Baumarkt AG's interest coverage for the quarter that ended in Feb. 2026 was 3.29.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for HORNBACH Baumarkt AG's Interest Coverage or its related term are showing as below:
HAM:HBM'
s Interest Coverage Range Over the Past 10 Years
Min: 2.43 Med: 3.49 Max: 5.35
Current: 3.29
HAM:HBM's Interest Coverage is ranked worse than 71.76% of 825
companies
in the Retail - Cyclical industry
Industry Median: 7.96
vs HAM:HBM: 3.29
HORNBACH Baumarkt AG (HAM:HBM) 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 .
HORNBACH Baumarkt AG Interest Coverage Related Terms
HORNBACH Baumarkt AG Interest Coverage Historical Data
* Premium members only.
The historical data trend for HORNBACH Baumarkt AG'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.
HAM:HBM vs HD, LOW, FND: Interest Coverage Comparison
For the Home Improvement Retail subindustry, HORNBACH Baumarkt AG'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.
HORNBACH Baumarkt AG Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, HORNBACH Baumarkt AG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where HORNBACH Baumarkt AG's Interest Coverage falls into.
HORNBACH Baumarkt AG 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:
* 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.
HORNBACH Baumarkt AG (HAM:HBM) has a Interest Coverage of 3.29 as of Feb. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on HORNBACH Baumarkt AG and its competitors. This is near median its historical median of 3.49. Over the past decade, HORNBACH Baumarkt AG's Interest Coverage has ranged from 2.43 to 5.35. According to the industry distribution chart, HORNBACH Baumarkt AG ranks #592 out of 825 companies in the Retail - Cyclical industry, placing it in the top 71.8%.
Is HORNBACH Baumarkt AG's Interest Coverage too high?
HORNBACH Baumarkt AG's current Interest Coverage of 3.29 is near median its 10-year median of 3.49. Over the past 10 years, this metric has ranged from a low of 2.43 to a high of 5.35. The Retail - Cyclical industry median Interest Coverage is 7.96. HORNBACH Baumarkt AG's value of 3.29 is 58.7% below this industry median. Based on the distribution chart, HORNBACH Baumarkt AG ranks #592 out of 825 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, HORNBACH Baumarkt AG has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HORNBACH Baumarkt AG's Interest Coverage compare to HD and LOW?
According to the Retail - Cyclical industry distribution chart, HORNBACH Baumarkt AG ranks #592 out of 825 companies for Interest Coverage. This places HORNBACH Baumarkt AG in the lower half of its industry. The industry median Interest Coverage is 7.96. HORNBACH Baumarkt AG's value of 3.29 is 58.7% below this benchmark. Historically, HORNBACH Baumarkt AG's own Interest Coverage has ranged from 2.43 to 5.35 over the past decade. While the company's 10-year median is 3.49 vs. the industry median of 7.96, HORNBACH Baumarkt AG 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 Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.96, based on 825 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. HORNBACH Baumarkt AG's current Interest Coverage of 3.29 is 58.7% 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 HORNBACH Baumarkt AG and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HORNBACH Baumarkt AG's current Interest Coverage is 3.29, which is near median its own 10-year median of 3.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HORNBACH Baumarkt AG stock overvalued right now?
Based on GuruFocus' analysis, HORNBACH Baumarkt AG (HAM:HBM) is currently considered Fairly Valued. The stock's GF Value™ is €58.60, compared to a current price of €64.00 — trading 9.2% above its estimated fair value. The current Interest Coverage is 3.29, which is near median its 10-year median of 3.49 and 58.7% below the Retail - Cyclical industry median of 7.96. HORNBACH Baumarkt AG's overall GF Score™ is 69/100 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 HORNBACH Baumarkt AG (HAM:HBM), the current Interest Coverage is 3.29 as of Feb. 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 HORNBACH Baumarkt AG (HAM:HBM) Overvalued in 2026?
Based on GuruFocus' analysis, HORNBACH Baumarkt AG stock appears to be overvalued.
The current stock price of €64.00 is trading 9.2% above its estimated GF Value™ of €58.60.
GuruFocus considers HORNBACH Baumarkt AG to be Fairly Valued.
Key valuation signals for HAM:HBM:
Interest Coverage: 3.29 (near median its 10-year median of 3.49)
GF Value™: €58.60 vs. price of €64.00 (9.2% above fair value)
Industry Position: 58.7% below the Retail - Cyclical median (#592 of 825)
No single metric tells the full story. See the HAM:HBM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HORNBACH Baumarkt AG is a German company that operates megastores and offers do-it-yourself (DIY), home improvement, and gardening products. The company also operates in other European countries, including Austria, the Netherlands, the Czech Republic, Switzerland, and Romania. The company conducts its activities through its Retail and Real estate segments. The Retail segment operates DIY megastores and garden centers, while the Real estate segment focuses on retail properties. The stores' product range includes hardware/electrical, paint/wallpaper/flooring, construction materials, sanitary tiles, and garden products. The majority of the company's sales are derived from its retail segment.
69GF Score
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