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JF SmartInvest HoldingsHKSE:09636 -2.32%94 Interest Coverage is 3.33 as of Jun. 2026, which is 98% below its 10-year median of 173.75. GuruFocus rates HKSE:09636 with a GF Score™ of 94/100 and a GF Value™ of HK$30.38 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 189 Education companies, JF SmartInvest Holdings ranks worse than 529100% 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. JF SmartInvest Holdings's
Operating Income
for the
six
months ended in Jun. 2026 was HK$7 Mil. JF SmartInvest Holdings's Interest Expense for the
six
months ended in Jun. 2026 was HK$0 Mil.
JF SmartInvest Holdings's interest coverage for the quarter that ended in Jun. 2026 was 3.33.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for JF SmartInvest Holdings's Interest Coverage or its related term are showing as below:
HKSE:09636's Interest Coverage is not ranked *
in the Education industry.
Industry Median: 11.39 * Ranked among companies with meaningful Interest Coverage only.
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 .
JF SmartInvest Holdings Interest Coverage Related Terms
JF SmartInvest Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for JF SmartInvest 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:09636 vs EDU, TAL, LAUR: Interest Coverage Comparison
For the Education & Training Services subindustry, JF SmartInvest 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.
JF SmartInvest Holdings Interest Coverage vs Education Industry
For the Education industry and Consumer Defensive sector, JF SmartInvest Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where JF SmartInvest 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:
GuruFocus does not calculate JF SmartInvest Holdings'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.
JF SmartInvest Holdings (HKSE:09636) has a Interest Coverage of 3.33 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on JF SmartInvest Holdings and its competitors. This is 98% below median its historical median of 173.75. According to the industry distribution chart, JF SmartInvest Holdings ranks #999999 out of 189 companies in the Education industry.
Is JF SmartInvest Holdings' Interest Coverage too high?
JF SmartInvest Holdings' current Interest Coverage of 3.33 is 98% below median its 10-year median of 173.75. The Education industry median Interest Coverage is 11.39. JF SmartInvest Holdings' value of 3.33 is 70.8% below this industry median. Based on the distribution chart, JF SmartInvest Holdings ranks #999999 out of 189 companies in the Education industry, which is in the bottom quartile relative to peers. Overall, JF SmartInvest Holdings has a GF Score™ of 94/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does JF SmartInvest Holdings' Interest Coverage compare to EDU and TAL?
According to the Education industry distribution chart, JF SmartInvest Holdings ranks #999999 out of 189 companies for Interest Coverage. This places JF SmartInvest Holdings in the lower half of its industry. The industry median Interest Coverage is 11.39. JF SmartInvest Holdings' value of 3.33 is 70.8% below this benchmark. While the company's 10-year median is 173.75 vs. the industry median of 11.39, JF SmartInvest 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 an Education company?
The median Interest Coverage among Education companies is 11.39, based on 189 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. JF SmartInvest Holdings's current Interest Coverage of 3.33 is 70.8% 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 JF SmartInvest Holdings and its competitors. For the Education industry, the median Interest Coverage is 11.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JF SmartInvest Holdings's current Interest Coverage is 3.33, which is 98% below median its own 10-year median of 173.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JF SmartInvest Holdings stock overvalued right now?
Based on GuruFocus' analysis, JF SmartInvest Holdings (HKSE:09636) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$30.38, compared to a current price of HK$27.00 — trading 11.1% below its estimated fair value. The current Interest Coverage is 3.33, which is 98% below median its 10-year median of 173.75 and 70.8% below the Education industry median of 11.39. JF SmartInvest Holdings' overall GF Score™ is 94/100 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 JF SmartInvest Holdings (HKSE:09636), the current Interest Coverage is 3.33 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 JF SmartInvest Holdings (HKSE:09636) Overvalued in 2026?
Based on GuruFocus' analysis, JF SmartInvest Holdings stock appears to be undervalued.
The current stock price of HK$27.00 is trading 11.1% below its estimated GF Value™ of HK$30.38.
GuruFocus considers JF SmartInvest Holdings to be Modestly Undervalued.
Key valuation signals for HKSE:09636:
Interest Coverage: 3.33 (98% below median its 10-year median of 173.75)
GF Value™: HK$30.38 vs. price of HK$27.00 (11.1% below fair value)
Industry Position: 70.8% below the Education median (#999999 of 189)
No single metric tells the full story. See the HKSE:09636 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JF SmartInvest Holdings Ltd is a next-generation stock investing assistant that provides equity investment tools, securities investment advisory, investor education, and other services for individual investors with product offerings such as stock quote software, Stock Learning Machine, Stock Navigator Series, Super Investor, and Jiuyao Stocks (small-amount series products). It has developed JF Robo-Advisor, FinSphere Agent, FinSphere Report, and other AI products based on its AI and big data technologies, enabling the company to achieve industry leadership in inventive practice and scenario application.
94GF Score
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