PBT HoldingsJSE:PBT 83 Interest Coverage is 136.40 as of Sep. 2025, which is 178% above its 10-year median of 49.05. GuruFocus rates JSE:PBT with a GF Score™ of 83/100 and a GF Value™ of R6.96 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,706 Software companies, PBT Holdings ranks better than 68.17% 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. PBT Holdings's
Operating Income
for the
six
months ended in Sep. 2025 was R72 Mil. PBT Holdings's Interest Expense for the
six
months ended in Sep. 2025 was R-1 Mil.
PBT Holdings's interest coverage for the quarter that ended in Sep. 2025 was 136.40.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for PBT Holdings's Interest Coverage or its related term are showing as below:
JSE:PBT'
s Interest Coverage Range Over the Past 10 Years
Min: 0.26 Med: 49.05 Max: 103.96
Current: 103.96
JSE:PBT's Interest Coverage is ranked better than 68.17% of 1706
companies
in the Software industry
Industry Median: 24.75
vs JSE:PBT: 103.96
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 .
PBT Holdings Interest Coverage Related Terms
PBT Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for PBT 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.
JSE:PBT vs IBM, ACN, FISV: Interest Coverage Comparison
For the Information Technology Services subindustry, PBT 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.
PBT Holdings Interest Coverage vs Software Industry
For the Software industry and Technology sector, PBT Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PBT 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.
PBT Holdings (JSE:PBT) has a Interest Coverage of 136.40 as of Sep. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PBT Holdings and its competitors. This is 178% above median its historical median of 49.05. Over the past decade, PBT Holdings' Interest Coverage has ranged from 0.26 to 103.96. According to the industry distribution chart, PBT Holdings ranks #543 out of 1706 companies in the Software industry, placing it in the top 31.8%.
Is PBT Holdings' Interest Coverage too high?
PBT Holdings' current Interest Coverage of 136.40 is 178% above median its 10-year median of 49.05. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 103.96. The Software industry median Interest Coverage is 24.75. PBT Holdings' value of 136.40 is 451.1% above this industry median. Based on the distribution chart, PBT Holdings ranks #543 out of 1706 companies in the Software industry, which is above the industry midpoint. Overall, PBT Holdings has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PBT Holdings' Interest Coverage compare to IBM and ACN?
According to the Software industry distribution chart, PBT Holdings ranks #543 out of 1706 companies for Interest Coverage. This puts PBT Holdings in the upper half of its industry. The industry median Interest Coverage is 24.75. PBT Holdings' value of 136.40 is 451.1% above this benchmark. Historically, PBT Holdings' own Interest Coverage has ranged from 0.26 to 103.96 over the past decade. While the company's 10-year median is 49.05 vs. the industry median of 24.75, PBT Holdings 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 Software company?
The median Interest Coverage among Software companies is 24.75, based on 1,706 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. PBT Holdings's current Interest Coverage of 136.40 is 451.1% 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 PBT Holdings and its competitors. For the Software industry, the median Interest Coverage is 24.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBT Holdings's current Interest Coverage is 136.40, which is 178% above median its own 10-year median of 49.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBT Holdings stock overvalued right now?
Based on GuruFocus' analysis, PBT Holdings (JSE:PBT) is currently considered Fairly Valued. The stock's GF Value™ is R6.96, compared to a current price of R6.80 — trading 2.3% below its estimated fair value. The current Interest Coverage is 136.40, which is 178% above median its 10-year median of 49.05 and 451.1% above the Software industry median of 24.75. PBT Holdings' 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 PBT Holdings (JSE:PBT), the current Interest Coverage is 136.40 as of Sep. 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.
Is PBT Holdings (JSE:PBT) Overvalued in 2026?
Based on GuruFocus' analysis, PBT Holdings stock appears to be undervalued.
The current stock price of R6.80 is trading 2.3% below its estimated GF Value™ of R6.96.
GuruFocus considers PBT Holdings to be Fairly Valued.
Key valuation signals for JSE:PBT:
Interest Coverage: 136.40 (178% above median its 10-year median of 49.05)
GF Value™: R6.96 vs. price of R6.80 (2.3% below fair value)
Industry Position: 451.1% above the Software median (#543 of 1706)
No single metric tells the full story. See the JSE:PBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBT Holdings Ltd, formerly known as PBT Group Ltd, is a South African-based company that offers information management and data analytics services. It serves finance, insurance, telecommunications, retail, petroleum and medical healthcare industries. The services provided by the company include data engineering, analytics and visualization, artificial intelligence, managed solutions, advisory and strategic services, application development and others. Its operating segments are based on geographical locations namely South Africa, Europe and the United Kingdom. The segment includes consulting and implementation of data, management information software and healthcare administration services provided in the Republic of South Africa, Europe, the United Kingdom, and also Australia.
83GF Score
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