Fiinu (LSE:BANK) Interest Coverage: No Debt (1) (As of Jun. 2025) — 100% Below Median


What is Fiinu Interest Coverage?

Fiinu LSE:BANK Interest Coverage is No Debt (1) as of Jun. 2025, which is 100% below its 10-year median of 10,000.00. The stock has 4 warning signs investors should review. Among 164 Credit Services companies, Fiinu ranks better than 98.17% 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. Fiinu's Operating Income for the six months ended in Jun. 2025 was £-1.50 Mil. Fiinu's Interest Expense for the six months ended in Jun. 2025 was £0.00 Mil. Fiinu has no debt. The higher the ratio, the stronger the company's financial strength is.

Good Sign:

Fiinu PLC has no debt.

(1) 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.

The historical rank and industry rank for Fiinu's Interest Coverage or its related term are showing as below:

LSE:BANK' s Interest Coverage Range Over the Past 10 Years
Min: No Debt   Med: No Debt   Max: No Debt
Current: No Debt

LSE:BANK's Interest Coverage is ranked better than
98.17% of 164 companies
in the Credit Services industry
Industry Median: 49.41 vs LSE:BANK: No Debt

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Fiinu  (LSE:BANK) 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 .

Fiinu Interest Coverage Related Terms

Fiinu Interest Coverage Historical Data

* Premium members only.

The historical data trend for Fiinu'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.

Fiinu Interest Coverage Chart

Fiinu Annual Data
Trend Mar19 Mar20 Mar21 Dec22 Dec23 Dec24
Interest Coverage
Get a 7-Day Free Trial No Debt 0.00 0.00 0.00 0.00

Fiinu Semi-Annual Data
Mar19 Mar20 Sep20 Mar21 Sep21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 No Debt No Debt No Debt No Debt

LSE:BANK vs V, MA, AXP: Interest Coverage Comparison

For the Credit Services subindustry, Fiinu'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.

Fiinu Interest Coverage vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Fiinu's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Fiinu's Interest Coverage falls into.


Fiinu Interest Coverage Calculation

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:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Fiinu's Interest Coverage for the fiscal year that ended in Dec. 2024 is calculated as

Here, for the fiscal year that ended in Dec. 2024, Fiinu's Interest Expense was £-0.00 Mil. Its Operating Income was £-0.70 Mil. And its Long-Term Debt & Capital Lease Obligation was £0.00 Mil.

Fiinu did not have earnings to cover the interest expense.

Fiinu's Interest Coverage for the quarter that ended in Jun. 2025 is calculated as

Here, for the six months ended in Jun. 2025, Fiinu's Interest Expense was £0.00 Mil. Its Operating Income was £-1.50 Mil. And its Long-Term Debt & Capital Lease Obligation was £0.00 Mil.

Fiinu had no debt (1).

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Fiinu (LSE:BANK) has a Interest Coverage of No Debt (1) as of Jun. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Fiinu and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, Fiinu's Interest Coverage has ranged from 10,000.00 to 10,000.00. According to the industry distribution chart, Fiinu ranks #3 out of 164 companies in the Credit Services industry, placing it in the top 1.8%.
Is Fiinu's Interest Coverage too high?
Fiinu's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 10,000.00 to a high of 10,000.00. Based on the distribution chart, Fiinu ranks #3 out of 164 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers.
How does Fiinu's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Fiinu ranks #3 out of 164 companies for Interest Coverage. This places Fiinu in the top 2% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 49.41. Historically, Fiinu's own Interest Coverage has ranged from 10,000.00 to 10,000.00 over the past decade. 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 164 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. 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 Fiinu and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fiinu's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fiinu stock overvalued right now?
Fiinu (LSE:BANK) has a current Interest Coverage of No Debt (1). The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 10,000.00. 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 Fiinu (LSE:BANK), the current Interest Coverage is No Debt (1) as of Jun. 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.

Fiinu Business Description

Other Exchanges LWW:Germany
Address Baker Street, Ibex House, Weybridge, Surrey, GBR, KT13 8AH
Fiinu PLC is a digital banking platform intended to unbundle overdraft solutions without needing to switch banks. The company offers led interest income, deposit margin banking infrastructure provider and helps to manage budget or those short-term unexpected costs, in a simple and responsible way, thereby assisting individuals with short-term unexpected expenses while maintaining financial prudence to reshape banking into a hassle-free, transparent, and efficient journey.