Natural Cool HoldingsHAM:N7E 51 Interest Coverage is 5.51 as of Dec. 2025, which is 379% above its 10-year median of 1.15. GuruFocus rates HAM:N7E with a GF Score™ of 51/100 and a GF Value™ of €0.02. The stock has 6 warning signs investors should review. Among 1,349 Construction companies, Natural Cool Holdings ranks worse than 69.38% 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. Natural Cool Holdings's
Operating Income
for the
six
months ended in Dec. 2025 was €2.09 Mil. Natural Cool Holdings's Interest Expense for the
six
months ended in Dec. 2025 was €-0.38 Mil.
Natural Cool Holdings's interest coverage for the quarter that ended in Dec. 2025 was 5.51.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Natural Cool Holdings Ltd interest coverage is 3.62, which is low.
The historical rank and industry rank for Natural Cool Holdings's Interest Coverage or its related term are showing as below:
HAM:N7E'
s Interest Coverage Range Over the Past 10 Years
Min: 0.38 Med: 1.15 Max: 3.62
Current: 3.62
HAM:N7E's Interest Coverage is ranked worse than 69.38% of 1349
companies
in the Construction industry
Industry Median: 7.92
vs HAM:N7E: 3.62
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 .
Natural Cool Holdings Interest Coverage Related Terms
Natural Cool Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Natural Cool Holdings'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:N7E vs TT, JCI, CARR: Interest Coverage Comparison
For the Building Products & Equipment subindustry, Natural Cool Holdings'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.
Natural Cool Holdings Interest Coverage vs Construction Industry
For the Construction industry and Industrials sector, Natural Cool Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Natural Cool Holdings'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.
Natural Cool Holdings (HAM:N7E) has a Interest Coverage of 5.51 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Natural Cool Holdings and its competitors. This is 379% above median its historical median of 1.15. Over the past decade, Natural Cool Holdings' Interest Coverage has ranged from 0.38 to 3.62. According to the industry distribution chart, Natural Cool Holdings ranks #936 out of 1349 companies in the Construction industry, placing it in the top 69.4%.
Is Natural Cool Holdings' Interest Coverage too high?
Natural Cool Holdings' current Interest Coverage of 5.51 is 379% above median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 3.62. The Construction industry median Interest Coverage is 7.92. Natural Cool Holdings' value of 5.51 is 30.4% below this industry median. Based on the distribution chart, Natural Cool Holdings ranks #936 out of 1349 companies in the Construction industry, which is below the industry midpoint. Overall, Natural Cool Holdings has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Natural Cool Holdings' Interest Coverage compare to TT and JCI?
According to the Construction industry distribution chart, Natural Cool Holdings ranks #936 out of 1349 companies for Interest Coverage. This places Natural Cool Holdings in the lower half of its industry. The industry median Interest Coverage is 7.92. Natural Cool Holdings' value of 5.51 is 30.4% below this benchmark. Historically, Natural Cool Holdings' own Interest Coverage has ranged from 0.38 to 3.62 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 7.92, Natural Cool Holdings 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 Construction company?
The median Interest Coverage among Construction companies is 7.92, based on 1,349 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. Natural Cool Holdings's current Interest Coverage of 5.51 is 30.4% 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 Natural Cool Holdings and its competitors. For the Construction industry, the median Interest Coverage is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Natural Cool Holdings's current Interest Coverage is 5.51, which is 379% above median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Natural Cool Holdings stock overvalued right now?
Natural Cool Holdings (HAM:N7E) has a current Interest Coverage of 5.51. The stock's GF Value™ is €0.02, compared to a current price of €0.03 — trading 60% above its estimated fair value. The current Interest Coverage is 5.51, which is 379% above median its 10-year median of 1.15 and 30.4% below the Construction industry median of 7.92. Natural Cool Holdings' overall GF Score™ is 51/100 with 6 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 Natural Cool Holdings (HAM:N7E), the current Interest Coverage is 5.51 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 Natural Cool Holdings (HAM:N7E) Overvalued in 2026?
Based on GuruFocus' analysis, Natural Cool Holdings stock appears to be overvalued.
The current stock price of €0.03 is trading 60% above its estimated GF Value™ of €0.02.
Key valuation signals for HAM:N7E:
Interest Coverage: 5.51 (379% above median its 10-year median of 1.15)
GF Value™: €0.02 vs. price of €0.03 (60% above fair value)
Industry Position: 30.4% below the Construction median (#936 of 1349)
No single metric tells the full story. See the HAM:N7E stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Natural Cool Holdings Ltd is a Singapore-based investment holding company. The company has four operating segment namely, Aircon and Engineering, Paint and Coatings, Food and Beverages, and Technology. The company generates the majority of its revenue from the Aircon and Engineering segment, which is engaged in trading air-conditioning units and spare parts, installation services for commercial air-conditioning systems and mechanical ventilation, plumbing and sanitary works, and maintenance services. The paint and Coatings segment is into manufacturing and distribution of paints and chemicals. The food and Beverages segment is the operator of restaurants, manufacture, and wholesale of F&B products. The technology segment provides installation of building automated systems.
51GF Score
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