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Yixin GroupHKSE:02858 +0.45%83 Interest Coverage is 10.99 as of Jun. 2026, which is 5% below its 10-year median of 11.52. GuruFocus rates HKSE:02858 with a GF Score™ of 83/100 and a GF Value™ of HK$1.54 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 157 Credit Services companies, Yixin Group ranks worse than 66.24% 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. Yixin Group's
Operating Income
for the
six
months ended in Jun. 2026 was HK$1,105 Mil. Yixin Group's Interest Expense for the
six
months ended in Jun. 2026 was HK$0 Mil.
Yixin Group's interest coverage for the quarter that ended in Jun. 2026 was 10.99.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Yixin Group's Interest Coverage or its related term are showing as below:
HKSE:02858'
s Interest Coverage Range Over the Past 10 Years
Min: 3.36 Med: 11.52 Max: 13.6
Current: 11.73
HKSE:02858's Interest Coverage is ranked worse than 66.24% of 157
companies
in the Credit Services industry
Industry Median: 50.67
vs HKSE:02858: 11.73
Yixin Group (HKSE:02858) 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 .
Yixin Group Interest Coverage Related Terms
Yixin Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Yixin Group'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:02858 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Yixin Group'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.
Yixin Group Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yixin Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Yixin Group'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:
GuruFocus does not calculate Yixin Group's interest coverage with the available data.
* 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.
Yixin Group (HKSE:02858) has a Interest Coverage of 10.99 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Yixin Group and its competitors. This is near median its historical median of 11.52. Over the past decade, Yixin Group's Interest Coverage has ranged from 3.36 to 13.60. According to the industry distribution chart, Yixin Group ranks #104 out of 157 companies in the Credit Services industry, placing it in the top 66.2%.
Is Yixin Group's Interest Coverage too high?
Yixin Group's current Interest Coverage of 10.99 is near median its 10-year median of 11.52. Over the past 10 years, this metric has ranged from a low of 3.36 to a high of 13.60. The Credit Services industry median Interest Coverage is 50.67. Yixin Group's value of 10.99 is 78.3% below this industry median. Based on the distribution chart, Yixin Group ranks #104 out of 157 companies in the Credit Services industry, which is below the industry midpoint. Overall, Yixin Group has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Yixin Group's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Yixin Group ranks #104 out of 157 companies for Interest Coverage. This places Yixin Group in the lower half of its industry. The industry median Interest Coverage is 50.67. Yixin Group's value of 10.99 is 78.3% below this benchmark. Historically, Yixin Group's own Interest Coverage has ranged from 3.36 to 13.60 over the past decade. While the company's 10-year median is 11.52 vs. the industry median of 50.67, Yixin Group 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 50.67, based on 157 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. Yixin Group's current Interest Coverage of 10.99 is 78.3% 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 Yixin Group and its competitors. For the Credit Services industry, the median Interest Coverage is 50.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yixin Group's current Interest Coverage is 10.99, which is near median its own 10-year median of 11.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yixin Group stock overvalued right now?
Based on GuruFocus' analysis, Yixin Group (HKSE:02858) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$1.54, compared to a current price of HK$1.11 — trading 27.9% below its estimated fair value. The current Interest Coverage is 10.99, which is near median its 10-year median of 11.52 and 78.3% below the Credit Services industry median of 50.67. Yixin Group's overall GF Score™ is 83/100 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 Yixin Group (HKSE:02858), the current Interest Coverage is 10.99 as of Jun. 2026. 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 Yixin Group (HKSE:02858) Overvalued in 2026?
Based on GuruFocus' analysis, Yixin Group stock appears to be undervalued.
The current stock price of HK$1.11 is trading 27.9% below its estimated GF Value™ of HK$1.54.
GuruFocus considers Yixin Group to be Modestly Undervalued.
Key valuation signals for HKSE:02858:
Interest Coverage: 10.99 (near median its 10-year median of 11.52)
GF Value™: HK$1.54 vs. price of HK$1.11 (27.9% below fair value)
Industry Position: 78.3% below the Credit Services median (#104 of 157)
No single metric tells the full story. See the HKSE:02858 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yixin Group Ltd is an online automobile finance transaction platform in China. The company operates in two segments namely Transaction platform services and Self-operated financing business. The transaction platform segment is comprised of facilitation of auto loans to consumers offered by its auto finance partners. Self-operated financing segment comprises of auto finance solutions through financing leases. The company generates a majority of its revenue from the Transaction Platform segment.
83GF Score
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