TextLCHTF 91 Interest Coverage is 203.66 as of Dec. 2025, which is 78% below its 10-year median of 909.42. GuruFocus rates LCHTF with a GF Score™ of 91/100 and a GF Value™ of $21.26 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 1,705 Software companies, Text ranks better than 81.11% 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. Text's
Operating Income
for the
three
months ended in Dec. 2025 was $8.35 Mil. Text's Interest Expense for the
three
months ended in Dec. 2025 was $-0.04 Mil.
Text's interest coverage for the quarter that ended in Dec. 2025 was 203.66.
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. Text SA has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Text's Interest Coverage or its related term are showing as below:
LCHTF'
s Interest Coverage Range Over the Past 10 Years
Min: 40.53 Med: 909.42 Max: No Debt
Current: 509.27
LCHTF's Interest Coverage is ranked better than 81.11% of 1705
companies
in the Software industry
Industry Median: 24.78
vs LCHTF: 509.27
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 .
Text Interest Coverage Related Terms
Text Interest Coverage Historical Data
* Premium members only.
The historical data trend for Text'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.
LCHTF vs CRM, SHOP, UBER: Interest Coverage Comparison
For the Software - Application subindustry, Text'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.
Text Interest Coverage vs Software Industry
For the Software industry and Technology sector, Text's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Text'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.
Text (LCHTF) has a Interest Coverage of 203.66 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Text and its competitors. This is 78% below median its historical median of 909.42. Over the past decade, Text's Interest Coverage has ranged from 40.53 to 10,000.00. According to the industry distribution chart, Text ranks #322 out of 1705 companies in the Software industry, placing it in the top 18.9%.
Is Text's Interest Coverage too high?
Text's current Interest Coverage of 203.66 is 78% below median its 10-year median of 909.42. Over the past 10 years, this metric has ranged from a low of 40.53 to a high of 10,000.00. The Software industry median Interest Coverage is 24.78. Text's value of 203.66 is 721.9% above this industry median. Based on the distribution chart, Text ranks #322 out of 1705 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Text has a GF Score™ of 91/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Text's Interest Coverage compare to CRM and SHOP?
According to the Software industry distribution chart, Text ranks #322 out of 1705 companies for Interest Coverage. This places Text in the top 19% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 24.78. Text's value of 203.66 is 721.9% above this benchmark. Historically, Text's own Interest Coverage has ranged from 40.53 to 10,000.00 over the past decade. While the company's 10-year median is 909.42 vs. the industry median of 24.78, Text 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 24.78, based on 1,705 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. Text's current Interest Coverage of 203.66 is 721.9% 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 Text and its competitors. For the Software industry, the median Interest Coverage is 24.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Text's current Interest Coverage is 203.66, which is 78% below median its own 10-year median of 909.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Text stock overvalued right now?
Based on GuruFocus' analysis, Text (LCHTF) is currently considered Significantly Undervalued. The stock's GF Value™ is $21.26, compared to a current price of $11.20 — trading 47.3% below its estimated fair value. The current Interest Coverage is 203.66, which is 78% below median its 10-year median of 909.42 and 721.9% above the Software industry median of 24.78. Text's overall GF Score™ is 91/100 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 Text (LCHTF), the current Interest Coverage is 203.66 as of Dec. 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 Text (LCHTF) Overvalued in 2026?
Based on GuruFocus' analysis, Text stock appears to be undervalued.
The current stock price of $11.20 is trading 47.3% below its estimated GF Value™ of $21.26.
GuruFocus considers Text to be Significantly Undervalued.
Key valuation signals for LCHTF:
Interest Coverage: 203.66 (78% below median its 10-year median of 909.42)
GF Value™: $21.26 vs. price of $11.20 (47.3% below fair value)
Industry Position: 721.9% above the Software median (#322 of 1705)
No single metric tells the full story. See the LCHTF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Text SA is a Poland-based company engaged in world-wide AI sales and customer service software. It is offering products in a SaaS model. The company automates customer service at scale by analyzing and enriching text communication. The group has developed multiple products: Text, an AI-powered customer communication suite; LiveChat, a live chat product that allows businesses to communicate with website visitors in real time. ChatBot, a platform for building and managing conversational AI chatbots; HelpDesk, an online ticketing system; KnowledgeBase, a knowledge management platform; OpenWidget, a website widget tool.
91GF Score
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