ifa systems AGHAM:IS8 62 Interest Coverage is No Debt (1) as of Dec. 2025, which is 100% below its 10-year median of 30.16. GuruFocus rates HAM:IS8 with a GF Score™ of 62/100 and a GF Value™ of €2.51 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 452 Healthcare Providers & Services companies, ifa systems AG ranks better than 99.56% 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. ifa systems AG's
Operating Income
for the
six
months ended in Dec. 2025 was €0.10 Mil. ifa systems AG's Interest Expense for the
six
months ended in Dec. 2025 was €0.00 Mil.
ifa systems AG has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
ifa systems AG has no debt.
(1) 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.
The historical rank and industry rank for ifa systems AG's Interest Coverage or its related term are showing as below:
HAM:IS8'
s Interest Coverage Range Over the Past 10 Years
Min: 7.54 Med: 30.16 Max: No Debt
Current: No Debt
HAM:IS8's Interest Coverage is ranked better than 99.56% of 452
companies
in the Healthcare Providers & Services industry
Industry Median: 7.99
vs HAM:IS8: No Debt
ifa systems AG (HAM:IS8) 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 .
ifa systems AG Interest Coverage Related Terms
ifa systems AG Interest Coverage Historical Data
* Premium members only.
The historical data trend for ifa systems 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:IS8 vs VEEV, BTSG, TEM: Interest Coverage Comparison
For the Health Information Services subindustry, ifa systems 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.
ifa systems AG Interest Coverage vs Healthcare Providers & Services Industry
For the Healthcare Providers & Services industry and Healthcare sector, ifa systems AG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where ifa systems AG'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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
ifa systems AG (HAM:IS8) has a Interest Coverage of No Debt (1) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on ifa systems AG and its competitors. This is 97% below median its historical median of 30.16. Over the past decade, ifa systems AG's Interest Coverage has ranged from 7.54 to 10,000.00. According to the industry distribution chart, ifa systems AG ranks #2 out of 452 companies in the Healthcare Providers & Services industry, placing it in the top 0.40000000000001%.
Is ifa systems AG's Interest Coverage too high?
ifa systems AG's current Interest Coverage of No Debt (1) is 97% below median its 10-year median of 30.16. Over the past 10 years, this metric has ranged from a low of 7.54 to a high of 10,000.00. Based on the distribution chart, ifa systems AG ranks #2 out of 452 companies in the Healthcare Providers & Services industry, which is in the top quartile — a strong position relative to peers. Overall, ifa systems AG has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ifa systems AG's Interest Coverage compare to VEEV and BTSG?
According to the Healthcare Providers & Services industry distribution chart, ifa systems AG ranks #2 out of 452 companies for Interest Coverage. This places ifa systems AG in the top 0% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 7.99. Historically, ifa systems AG's own Interest Coverage has ranged from 7.54 to 10,000.00 over the past decade. 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 Healthcare Providers & Services company?
The median Interest Coverage among Healthcare Providers & Services companies is 7.99, based on 452 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 ifa systems AG and its competitors. For the Healthcare Providers & Services industry, the median Interest Coverage is 7.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ifa systems AG's current Interest Coverage is No Debt (1), which is 97% below median its own 10-year median of 30.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ifa systems AG stock overvalued right now?
Based on GuruFocus' analysis, ifa systems AG (HAM:IS8) is currently considered Modestly Undervalued. The stock's GF Value™ is €2.51, compared to a current price of €2.00 — trading 20.3% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 97% below median its 10-year median of 30.16. ifa systems AG's overall GF Score™ is 62/100 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 ifa systems AG (HAM:IS8), the current Interest Coverage is No Debt (1) 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 ifa systems AG (HAM:IS8) Overvalued in 2026?
Based on GuruFocus' analysis, ifa systems AG stock appears to be undervalued.
The current stock price of €2.00 is trading 20.3% below its estimated GF Value™ of €2.51.
GuruFocus considers ifa systems AG to be Modestly Undervalued.
Key valuation signals for HAM:IS8:
Interest Coverage: No Debt (1) (97% below median its 10-year median of 30.16)
GF Value™: €2.51 vs. price of €2.00 (20.3% below fair value)
No single metric tells the full story. See the HAM:IS8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ifa systems AG develops, distributes and installs software solutions and components for ophthalmologists and eye clinics in the fast-growing health IT industry. Its products are divided into the Clinic, Practice, and Language Versions. Some of its product includes EMR (Electronic Medical Records); MDI (Medical Device Interface); Software Connection Platform; CDSS (Clinical Decision Support System); WFM Software (Workflow Management) and others.
62GF Score
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