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. Profile Systems & Software's
Operating Income
for the
six
months ended in Dec. 2025 was €5.28 Mil. Profile Systems & Software's Interest Expense for the
six
months ended in Dec. 2025 was €-0.63 Mil.
Profile Systems & Software's interest coverage for the quarter that ended in Dec. 2025 was 8.38.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Profile Systems & Software's Interest Coverage or its related term are showing as below:
LTS:0N1C'
s Interest Coverage Range Over the Past 10 Years
Min: 3.48 Med: 7.8 Max: 13.5
Current: 8.65
LTS:0N1C's Interest Coverage is ranked worse than 68.29% of 1703
companies
in the Software industry
Industry Median: 24.78
vs LTS:0N1C: 8.65
Profile Systems & Software (LTS:0N1C) 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 .
Profile Systems & Software Interest Coverage Related Terms
Profile Systems & Software Interest Coverage Historical Data
* 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.
Profile Systems & Software Interest Coverage Chart
LTS:0N1C vs UBER, SHOP, CRM: Interest Coverage Comparison
For the Software - Application subindustry, Profile Systems & Software'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.
Profile Systems & Software Interest Coverage vs Software Industry
For the Software industry and Technology sector, Profile Systems & Software's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Profile Systems & Software's Interest Coverage falls into.
Profile Systems & Software 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:
* 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.
Profile Systems & Software (LTS:0N1C) has a Interest Coverage of 8.38 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Profile Systems & Software and its competitors. This is near median its historical median of 7.80. Over the past decade, Profile Systems & Software's Interest Coverage has ranged from 3.48 to 13.50. According to the industry distribution chart, Profile Systems & Software ranks #1163 out of 1703 companies in the Software industry, placing it in the top 68.3%.
Is Profile Systems & Software's Interest Coverage too high?
Profile Systems & Software's current Interest Coverage of 8.38 is near median its 10-year median of 7.80. Over the past 10 years, this metric has ranged from a low of 3.48 to a high of 13.50. The Software industry median Interest Coverage is 24.78. Profile Systems & Software's value of 8.38 is 66.2% below this industry median. Based on the distribution chart, Profile Systems & Software ranks #1163 out of 1703 companies in the Software industry, which is below the industry midpoint. Overall, Profile Systems & Software has a GF Score™ of 100/100, reflecting its overall financial health beyond just this single metric.
How does Profile Systems & Software's Interest Coverage compare to UBER and SHOP?
According to the Software industry distribution chart, Profile Systems & Software ranks #1163 out of 1703 companies for Interest Coverage. This places Profile Systems & Software in the lower half of its industry. The industry median Interest Coverage is 24.78. Profile Systems & Software's value of 8.38 is 66.2% below this benchmark. Historically, Profile Systems & Software's own Interest Coverage has ranged from 3.48 to 13.50 over the past decade. While the company's 10-year median is 7.80 vs. the industry median of 24.78, Profile Systems & Software 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 Software company?
The median Interest Coverage among Software companies is 24.78, based on 1,703 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. Profile Systems & Software's current Interest Coverage of 8.38 is 66.2% 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 Profile Systems & Software 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. Profile Systems & Software's current Interest Coverage is 8.38, which is near median its own 10-year median of 7.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Profile Systems & Software stock overvalued right now?
Profile Systems & Software (LTS:0N1C) has a current Interest Coverage of 8.38. The stock's GF Value™ is €8.18, compared to a current price of €7.51 — trading 8.2% below its estimated fair value. The current Interest Coverage is 8.38, which is near median its 10-year median of 7.80 and 66.2% below the Software industry median of 24.78. Profile Systems & Software's overall GF Score™ is 100/100 with 7 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 Profile Systems & Software (LTS:0N1C), the current Interest Coverage is 8.38 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 Profile Systems & Software (LTS:0N1C) Overvalued in 2026?
Based on GuruFocus' analysis, Profile Systems & Software stock appears to be undervalued.
The current stock price of €7.51 is trading 8.2% below its estimated GF Value™ of €8.18.
Key valuation signals for LTS:0N1C:
Interest Coverage: 8.38 (near median its 10-year median of 7.80)
GF Value™: €8.18 vs. price of €7.51 (8.2% below fair value)
Industry Position: 66.2% below the Software median (#1163 of 1703)
No single metric tells the full story. See the LTS:0N1C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Profile Systems & Software SA is a software company developing solutions for the international financial sector, business sector and the public sector. Its products include Axia, IMSplus, FMS.next, FMS.next Payments, RiskAvert, Native Wealth Management Mobile App, GS Market Suite, Plexus, Registry and Nowen-net. The company offers services in the field of Investment Management, Banking, Risk and Compliance, Capital Markets and Marketplace Lending in Europe, Middle East Asia, America and Africa.
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