InRetail PeruINREF +8.56%73 Interest Coverage is 3.57 as of Mar. 2026, which is 5% above its 10-year median of 3.39. GuruFocus rates INREF with a GF Score™ of 73/100 and a GF Value™ of $24.15. The stock has 10 warning signs investors should review. Among 828 Retail - Cyclical companies, InRetail Peru ranks worse than 75.36% 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. InRetail Peru's
Operating Income
for the
three
months ended in Mar. 2026 was $155 Mil. InRetail Peru's Interest Expense for the
three
months ended in Mar. 2026 was $-43 Mil.
InRetail Peru's interest coverage for the quarter that ended in Mar. 2026 was 3.57.
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. InRetail Peru Corp interest coverage is 2.85, which is low.
The historical rank and industry rank for InRetail Peru's Interest Coverage or its related term are showing as below:
INREF'
s Interest Coverage Range Over the Past 10 Years
Min: 2.85 Med: 3.39 Max: 3.97
Current: 2.85
INREF's Interest Coverage is ranked worse than 75.36% of 828
companies
in the Retail - Cyclical industry
Industry Median: 7.915
vs INREF: 2.85
InRetail Peru (OTCPK:INREF) 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 .
InRetail Peru Interest Coverage Related Terms
InRetail Peru Interest Coverage Historical Data
* Premium members only.
The historical data trend for InRetail Peru'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.
For the Department Stores subindustry, InRetail Peru'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.
InRetail Peru Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, InRetail Peru's Interest Coverage distribution charts can be found below:
* The bar in red indicates where InRetail Peru'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.
InRetail Peru (INREF) has a Interest Coverage of 3.57 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on InRetail Peru and its competitors. This is near median its historical median of 3.39. Over the past decade, InRetail Peru's Interest Coverage has ranged from 2.85 to 3.97. According to the industry distribution chart, InRetail Peru ranks #624 out of 828 companies in the Retail - Cyclical industry, placing it in the top 75.4%.
Is InRetail Peru's Interest Coverage too high?
InRetail Peru's current Interest Coverage of 3.57 is near median its 10-year median of 3.39. Over the past 10 years, this metric has ranged from a low of 2.85 to a high of 3.97. The Retail - Cyclical industry median Interest Coverage is 7.92. InRetail Peru's value of 3.57 is 54.9% below this industry median. Based on the distribution chart, InRetail Peru ranks #624 out of 828 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, InRetail Peru has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does InRetail Peru's Interest Coverage compare to DDS and M?
According to the Retail - Cyclical industry distribution chart, InRetail Peru ranks #624 out of 828 companies for Interest Coverage. This places InRetail Peru in the lower half of its industry. The industry median Interest Coverage is 7.92. InRetail Peru's value of 3.57 is 54.9% below this benchmark. Historically, InRetail Peru's own Interest Coverage has ranged from 2.85 to 3.97 over the past decade. While the company's 10-year median is 3.39 vs. the industry median of 7.92, InRetail Peru 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 Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.92, based on 828 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. InRetail Peru's current Interest Coverage of 3.57 is 54.9% 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 InRetail Peru and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. InRetail Peru's current Interest Coverage is 3.57, which is near median its own 10-year median of 3.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is InRetail Peru stock overvalued right now?
InRetail Peru (INREF) has a current Interest Coverage of 3.57. The stock's GF Value™ is $24.15, compared to a current price of $26.84 — trading 11.1% above its estimated fair value. The current Interest Coverage is 3.57, which is near median its 10-year median of 3.39 and 54.9% below the Retail - Cyclical industry median of 7.92. InRetail Peru's overall GF Score™ is 73/100 with 10 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 InRetail Peru (INREF), the current Interest Coverage is 3.57 as of Mar. 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 InRetail Peru (INREF) Overvalued in 2026?
Based on GuruFocus' analysis, InRetail Peru stock appears to be overvalued.
The current stock price of $26.84 is trading 11.1% above its estimated GF Value™ of $24.15.
Key valuation signals for INREF:
Interest Coverage: 3.57 (near median its 10-year median of 3.39)
GF Value™: $24.15 vs. price of $26.84 (11.1% above fair value)
Industry Position: 54.9% below the Retail - Cyclical median (#624 of 828)
No single metric tells the full story. See the INREF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
InRetail Peru Corp operates supermarkets, hypermarkets, pharmacies and shopping centers, as well as real estate development and digital services. Its operations are concentrated in Peru; however, it maintains operations in the exterior mainly related to the commercialization of pharmaceuticals and consumer products. The company's reportable segments include: i) Food Retail, ii) Pharmacies, iii) Shopping Malls and iv) Digital. It generates the majority of its revenue from the Food Retail segment. Geographically, it derives a majority of its revenue from Peru and also has a presence in Ecuador and Other countries. The company brands include Plaza Vea, Plaza Vea Super, Plaza Vea Express, Vivanda, Mass, and Makro brands.
73GF Score
Get the complete analysis for INREF
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