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K CashHKSE:02483 42 Interest Coverage is 104.23 as of Dec. 2025, which is 8% below its 10-year median of 113.14. GuruFocus rates HKSE:02483 with a GF Score™ of 42/100. The stock has 4 warning signs investors should review. Among 164 Credit Services companies, K Cash ranks better than 54.27% 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. K Cash's
Operating Income
for the
six
months ended in Dec. 2025 was HK$63.2 Mil. K Cash's Interest Expense for the
six
months ended in Dec. 2025 was HK$-0.6 Mil.
K Cash's interest coverage for the quarter that ended in Dec. 2025 was 104.23.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for K Cash's Interest Coverage or its related term are showing as below:
HKSE:02483'
s Interest Coverage Range Over the Past 10 Years
Min: 48.54 Med: 113.14 Max: 442.77
Current: 86.63
HKSE:02483's Interest Coverage is ranked better than 54.27% of 164
companies
in the Credit Services industry
Industry Median: 51.6
vs HKSE:02483: 86.63
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 .
K Cash Interest Coverage Related Terms
K Cash Interest Coverage Historical Data
* Premium members only.
The historical data trend for K Cash'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:02483 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, K Cash'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.
K Cash Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, K Cash's Interest Coverage distribution charts can be found below:
* The bar in red indicates where K Cash'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.
K Cash (HKSE:02483) has a Interest Coverage of 104.23 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on K Cash and its competitors. This is near median its historical median of 113.14. Over the past decade, K Cash's Interest Coverage has ranged from 48.54 to 442.77. According to the industry distribution chart, K Cash ranks #75 out of 164 companies in the Credit Services industry, placing it in the top 45.7%.
Is K Cash's Interest Coverage too high?
K Cash's current Interest Coverage of 104.23 is near median its 10-year median of 113.14. Over the past 10 years, this metric has ranged from a low of 48.54 to a high of 442.77. The Credit Services industry median Interest Coverage is 51.60. K Cash's value of 104.23 is 102% above this industry median. Based on the distribution chart, K Cash ranks #75 out of 164 companies in the Credit Services industry, which is above the industry midpoint. Overall, K Cash has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does K Cash's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, K Cash ranks #75 out of 164 companies for Interest Coverage. This puts K Cash in the upper half of its industry. The industry median Interest Coverage is 51.60. K Cash's value of 104.23 is 102% above this benchmark. Historically, K Cash's own Interest Coverage has ranged from 48.54 to 442.77 over the past decade. While the company's 10-year median is 113.14 vs. the industry median of 51.60, K Cash 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 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. K Cash's current Interest Coverage of 104.23 is 102% 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 K Cash 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. K Cash's current Interest Coverage is 104.23, which is near median its own 10-year median of 113.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is K Cash stock overvalued right now?
K Cash (HKSE:02483) has a current Interest Coverage of 104.23. The current Interest Coverage is 104.23, which is near median its 10-year median of 113.14 and 102% above the Credit Services industry median of 51.60. K Cash's overall GF Score™ is 42/100 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 K Cash (HKSE:02483), the current Interest Coverage is 104.23 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.
K Cash Corp Ltd is a moneylender that provides secured and unsecured loan financing to individuals and corporations in Hong Kong. The company offers SME loans, unsecured property owner loans, unsecured personal loans, and credit card advances. The majority of its revenue is generated in the form of interest income from unsecured property owner loans.
42GF Score
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