Unilever Pakistan FoodsKAR:UPFL -0.39%93 Interest Coverage is 106.06 as of Mar. 2026, which is 69% below its 10-year median of 342.41. GuruFocus rates KAR:UPFL with a GF Score™ of 93/100 and a GF Value™ of ₨29,006.89 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,507 Consumer Packaged Goods companies, Unilever Pakistan Foods ranks better than 92.04% 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. Unilever Pakistan Foods's
Operating Income
for the
three
months ended in Mar. 2026 was ₨3,329 Mil. Unilever Pakistan Foods's Interest Expense for the
three
months ended in Mar. 2026 was ₨-31 Mil.
Unilever Pakistan Foods's interest coverage for the quarter that ended in Mar. 2026 was 106.06.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Unilever Pakistan Foods Ltd has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Unilever Pakistan Foods's Interest Coverage or its related term are showing as below:
KAR:UPFL'
s Interest Coverage Range Over the Past 10 Years
Min: 21.9 Med: 342.41 Max: 678.14
Current: 506.64
KAR:UPFL's Interest Coverage is ranked better than 92.04% of 1507
companies
in the Consumer Packaged Goods industry
Industry Median: 8.6
vs KAR:UPFL: 506.64
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 .
Unilever Pakistan Foods Interest Coverage Related Terms
Unilever Pakistan Foods Interest Coverage Historical Data
* Premium members only.
The historical data trend for Unilever Pakistan Foods'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.
KAR:UPFL vs KHC, GIS: Interest Coverage Comparison
For the Packaged Foods subindustry, Unilever Pakistan Foods'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.
Unilever Pakistan Foods Interest Coverage vs Consumer Packaged Goods Industry
For the Consumer Packaged Goods industry and Consumer Defensive sector, Unilever Pakistan Foods's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Unilever Pakistan Foods'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.
Unilever Pakistan Foods (KAR:UPFL) has a Interest Coverage of 106.06 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Unilever Pakistan Foods and its competitors. This is 69% below median its historical median of 342.41. Over the past decade, Unilever Pakistan Foods' Interest Coverage has ranged from 21.90 to 678.14. According to the industry distribution chart, Unilever Pakistan Foods ranks #120 out of 1507 companies in the Consumer Packaged Goods industry, placing it in the top 8%.
Is Unilever Pakistan Foods' Interest Coverage too high?
Unilever Pakistan Foods' current Interest Coverage of 106.06 is 69% below median its 10-year median of 342.41. Over the past 10 years, this metric has ranged from a low of 21.90 to a high of 678.14. The Consumer Packaged Goods industry median Interest Coverage is 8.60. Unilever Pakistan Foods' value of 106.06 is 1133.3% above this industry median. Based on the distribution chart, Unilever Pakistan Foods ranks #120 out of 1507 companies in the Consumer Packaged Goods industry, which is in the top quartile — a strong position relative to peers. Overall, Unilever Pakistan Foods has a GF Score™ of 93/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Unilever Pakistan Foods' Interest Coverage compare to KHC and GIS?
According to the Consumer Packaged Goods industry distribution chart, Unilever Pakistan Foods ranks #120 out of 1507 companies for Interest Coverage. This places Unilever Pakistan Foods in the top 8% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 8.60. Unilever Pakistan Foods' value of 106.06 is 1133.3% above this benchmark. Historically, Unilever Pakistan Foods' own Interest Coverage has ranged from 21.90 to 678.14 over the past decade. While the company's 10-year median is 342.41 vs. the industry median of 8.60, Unilever Pakistan Foods 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 Consumer Packaged Goods company?
The median Interest Coverage among Consumer Packaged Goods companies is 8.60, based on 1,507 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. Unilever Pakistan Foods's current Interest Coverage of 106.06 is 1133.3% 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 Unilever Pakistan Foods and its competitors. For the Consumer Packaged Goods industry, the median Interest Coverage is 8.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unilever Pakistan Foods's current Interest Coverage is 106.06, which is 69% below median its own 10-year median of 342.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unilever Pakistan Foods stock overvalued right now?
Based on GuruFocus' analysis, Unilever Pakistan Foods (KAR:UPFL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₨29,006.89, compared to a current price of ₨25,604.20 — trading 11.7% below its estimated fair value. The current Interest Coverage is 106.06, which is 69% below median its 10-year median of 342.41 and 1133.3% above the Consumer Packaged Goods industry median of 8.60. Unilever Pakistan Foods' overall GF Score™ is 93/100 with 5 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 Unilever Pakistan Foods (KAR:UPFL), the current Interest Coverage is 106.06 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 Unilever Pakistan Foods (KAR:UPFL) Overvalued in 2026?
Based on GuruFocus' analysis, Unilever Pakistan Foods stock appears to be undervalued.
The current stock price of ₨25,604.20 is trading 11.7% below its estimated GF Value™ of ₨29,006.89.
GuruFocus considers Unilever Pakistan Foods to be Modestly Undervalued.
Key valuation signals for KAR:UPFL:
Interest Coverage: 106.06 (69% below median its 10-year median of 342.41)
GF Value™: ₨29,006.89 vs. price of ₨25,604.20 (11.7% below fair value)
Industry Position: 1133.3% above the Consumer Packaged Goods median (#120 of 1507)
No single metric tells the full story. See the KAR:UPFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unilever Pakistan Foods Ltd is a Pakistan-based company engaged in the manufacturing and selling of consumer and commercial food products. It sells the products under the brand names of Rafhan, Knorr, Hellmanns, Energile, Glaxose-D, and Food Solutions. It also includes brands such as Comfort, Dove, Lifebuoy, Pepsodent, Lux, Domex, Ponds, and other brands.
93GF Score
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