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XXF Group HoldingsHKSE:02473 -12.90%39 Interest Coverage is 1.43 as of Dec. 2025, which is 5% above its 10-year median of 1.36. GuruFocus rates HKSE:02473 with a GF Score™ of 39/100. The stock has 8 warning signs investors should review. Among 164 Credit Services companies, XXF Group Holdings ranks worse than 92.07% 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. XXF Group Holdings's
Operating Income
for the
six
months ended in Dec. 2025 was HK$134 Mil. XXF Group Holdings's Interest Expense for the
six
months ended in Dec. 2025 was HK$-94 Mil.
XXF Group Holdings's interest coverage for the quarter that ended in Dec. 2025 was 1.43.
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. XXF Group Holdings Ltd interest coverage is 1.39, which is low.
The historical rank and industry rank for XXF Group Holdings's Interest Coverage or its related term are showing as below:
HKSE:02473'
s Interest Coverage Range Over the Past 10 Years
Min: 1.24 Med: 1.36 Max: 1.45
Current: 1.39
HKSE:02473's Interest Coverage is ranked worse than 92.07% of 164
companies
in the Credit Services industry
Industry Median: 51.6
vs HKSE:02473: 1.39
XXF Group Holdings (HKSE:02473) 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 .
XXF Group Holdings Interest Coverage Related Terms
XXF Group Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for XXF Group 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.
HKSE:02473 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, XXF Group 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.
XXF Group Holdings Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, XXF Group Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where XXF Group 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.
XXF Group Holdings (HKSE:02473) has a Interest Coverage of 1.43 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on XXF Group Holdings and its competitors. This is near median its historical median of 1.36. Over the past decade, XXF Group Holdings' Interest Coverage has ranged from 1.24 to 1.45. According to the industry distribution chart, XXF Group Holdings ranks #151 out of 164 companies in the Credit Services industry, placing it in the top 92.1%.
Is XXF Group Holdings' Interest Coverage too high?
XXF Group Holdings' current Interest Coverage of 1.43 is near median its 10-year median of 1.36. Over the past 10 years, this metric has ranged from a low of 1.24 to a high of 1.45. The Credit Services industry median Interest Coverage is 51.60. XXF Group Holdings' value of 1.43 is 97.2% below this industry median. Based on the distribution chart, XXF Group Holdings ranks #151 out of 164 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, XXF Group Holdings has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does XXF Group Holdings' Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, XXF Group Holdings ranks #151 out of 164 companies for Interest Coverage. This places XXF Group Holdings in the lower half of its industry. The industry median Interest Coverage is 51.60. XXF Group Holdings' value of 1.43 is 97.2% below this benchmark. Historically, XXF Group Holdings' own Interest Coverage has ranged from 1.24 to 1.45 over the past decade. While the company's 10-year median is 1.36 vs. the industry median of 51.60, XXF Group 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 51.60, based on 164 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. XXF Group Holdings's current Interest Coverage of 1.43 is 97.2% 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 XXF Group Holdings and its competitors. For the Credit Services industry, the median Interest Coverage is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XXF Group Holdings's current Interest Coverage is 1.43, which is near median its own 10-year median of 1.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XXF Group Holdings stock overvalued right now?
XXF Group Holdings (HKSE:02473) has a current Interest Coverage of 1.43. The current Interest Coverage is 1.43, which is near median its 10-year median of 1.36 and 97.2% below the Credit Services industry median of 51.60. XXF Group Holdings' overall GF Score™ is 39/100 with 8 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 XXF Group Holdings (HKSE:02473), the current Interest Coverage is 1.43 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.
XXF Group Holdings Ltd is an established automobile retailer providing automobile finance lease service through its self-operated sales outlets in the PRC. The Group's principal businesses comprise automobile retail and finance, where it sells non-luxury automobiles mostly on direct finance lease; and automobile-related businesses, where it principally offers automobile operating lease service and other automobile-related services, and (iii) an outright car sales business, where it sells cars on a one-off basis. The Group's revenue is mainly derived from customers in the PRC.
39GF Score
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