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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
TI CloudHKSE:02167 -3.33%77 Interest Coverage is 152.42 as of Dec. 2025, which is 86% above its 10-year median of 82.09. GuruFocus rates HKSE:02167 with a GF Score™ of 77/100 and a GF Value™ of HK$4.42 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,721 Software companies, TI Cloud ranks better than 72.46% 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. TI Cloud's
Operating Income
for the
six
months ended in Dec. 2025 was HK$30.0 Mil. TI Cloud's Interest Expense for the
six
months ended in Dec. 2025 was HK$-0.2 Mil.
TI Cloud's interest coverage for the quarter that ended in Dec. 2025 was 152.42.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. TI Cloud Inc has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for TI Cloud's Interest Coverage or its related term are showing as below:
HKSE:02167'
s Interest Coverage Range Over the Past 10 Years
Min: 30.24 Med: 82.09 Max: 150.06
Current: 149.74
HKSE:02167's Interest Coverage is ranked better than 72.46% of 1721
companies
in the Software industry
Industry Median: 24.72
vs HKSE:02167: 149.74
TI Cloud (HKSE:02167) 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 .
TI Cloud Interest Coverage Related Terms
TI Cloud Interest Coverage Historical Data
* Premium members only.
The historical data trend for TI Cloud'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.
HKSE:02167 vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, TI Cloud'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.
TI Cloud Interest Coverage vs Software Industry
For the Software industry and Technology sector, TI Cloud's Interest Coverage distribution charts can be found below:
* The bar in red indicates where TI Cloud'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.
TI Cloud (HKSE:02167) has a Interest Coverage of 152.42 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on TI Cloud and its competitors. This is 86% above median its historical median of 82.09. Over the past decade, TI Cloud's Interest Coverage has ranged from 30.24 to 150.06. According to the industry distribution chart, TI Cloud ranks #474 out of 1721 companies in the Software industry, placing it in the top 27.5%.
Is TI Cloud's Interest Coverage too high?
TI Cloud's current Interest Coverage of 152.42 is 86% above median its 10-year median of 82.09. Over the past 10 years, this metric has ranged from a low of 30.24 to a high of 150.06. The Software industry median Interest Coverage is 24.72. TI Cloud's value of 152.42 is 516.6% above this industry median. Based on the distribution chart, TI Cloud ranks #474 out of 1721 companies in the Software industry, which is above the industry midpoint. Overall, TI Cloud has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does TI Cloud's Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, TI Cloud ranks #474 out of 1721 companies for Interest Coverage. This puts TI Cloud in the upper half of its industry. The industry median Interest Coverage is 24.72. TI Cloud's value of 152.42 is 516.6% above this benchmark. Historically, TI Cloud's own Interest Coverage has ranged from 30.24 to 150.06 over the past decade. While the company's 10-year median is 82.09 vs. the industry median of 24.72, TI Cloud 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 Software company?
The median Interest Coverage among Software companies is 24.72, based on 1,721 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. TI Cloud's current Interest Coverage of 152.42 is 516.6% 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 TI Cloud and its competitors. For the Software industry, the median Interest Coverage is 24.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TI Cloud's current Interest Coverage is 152.42, which is 86% above median its own 10-year median of 82.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TI Cloud stock overvalued right now?
Based on GuruFocus' analysis, TI Cloud (HKSE:02167) is currently considered Significantly Undervalued. The stock's GF Value™ is HK$4.42, compared to a current price of HK$2.90 — trading 34.4% below its estimated fair value. The current Interest Coverage is 152.42, which is 86% above median its 10-year median of 82.09 and 516.6% above the Software industry median of 24.72. TI Cloud's overall GF Score™ is 77/100 with 2 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 TI Cloud (HKSE:02167), the current Interest Coverage is 152.42 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 TI Cloud (HKSE:02167) Overvalued in 2026?
Based on GuruFocus' analysis, TI Cloud stock appears to be undervalued.
The current stock price of HK$2.90 is trading 34.4% below its estimated GF Value™ of HK$4.42.
GuruFocus considers TI Cloud to be Significantly Undervalued.
Key valuation signals for HKSE:02167:
Interest Coverage: 152.42 (86% above median its 10-year median of 82.09)
GF Value™: HK$4.42 vs. price of HK$2.90 (34.4% below fair value)
Industry Position: 516.6% above the Software median (#474 of 1721)
No single metric tells the full story. See the HKSE:02167 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TI Cloud Inc is an investment holding company. Along with its subsidiaries were principally offers a broad array of cloud-native customer contact solutions, which are communication solutions that enable enterprises to engage in multi-channel customer interactions. The group operates in one segment, which is the provision of artificial intelligence-based cloud customer contact solution software and related services in the Software as a Service (SaaS) model and Virtual Private Cloud (VPC) model. The company generates the majority of its revenue from the SaaS Model, followed by Cloud Contact Center Solutions, and VPC and Other Solutions. Geographically, it operates in Hong Kong and Mainland China. The company generates the majority of its revenue from Mainland China.
77GF Score
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