Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Paisalo DigitalLUX:SEINV 72 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 9.77. GuruFocus rates LUX:SEINV with a GF Score™ of 72/100 and a GF Value™ of $2.44. The stock has 10 warning signs investors should review. Among 161 Credit Services companies, Paisalo Digital ranks worse than 621117.39% 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. Paisalo Digital's
Operating Income
for the
three
months ended in Jun. 2026 was $10.2 Mil. Paisalo Digital's Interest Expense for the
three
months ended in Jun. 2026 was $0.0 Mil.
Paisalo Digital has no debt.
The higher the ratio, the stronger the company's financial strength is.
(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 Paisalo Digital's Interest Coverage or its related term are showing as below:
LUX:SEINV's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 52.24 * Ranked among companies with meaningful Interest Coverage only.
Paisalo Digital (LUX:SEINV) 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 .
Paisalo Digital Interest Coverage Related Terms
Paisalo Digital Interest Coverage Historical Data
* Premium members only.
The historical data trend for Paisalo Digital'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.
LUX:SEINV vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Paisalo Digital'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.
Paisalo Digital Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Paisalo Digital's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Paisalo Digital'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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Paisalo Digital (LUX:SEINV) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Paisalo Digital and its competitors. This is 90% below median its historical median of 9.77. Over the past decade, Paisalo Digital's Interest Coverage has ranged from 8.64 to 24.16. According to the industry distribution chart, Paisalo Digital ranks #999999 out of 161 companies in the Credit Services industry.
Is Paisalo Digital's Interest Coverage too high?
Paisalo Digital's current Interest Coverage of No Debt (1) is 90% below median its 10-year median of 9.77. Over the past 10 years, this metric has ranged from a low of 8.64 to a high of 24.16. Based on the distribution chart, Paisalo Digital ranks #999999 out of 161 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Paisalo Digital has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #999999 out of 161 companies for Interest Coverage. This places Paisalo Digital in the lower half of its industry. The industry median Interest Coverage is 52.24. Historically, Paisalo Digital's own Interest Coverage has ranged from 8.64 to 24.16 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 52.24, based on 161 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 Paisalo Digital and its competitors. For the Credit Services industry, the median Interest Coverage is 52.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paisalo Digital's current Interest Coverage is No Debt (1), which is 90% below median its own 10-year median of 9.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paisalo Digital stock overvalued right now?
Paisalo Digital (LUX:SEINV) has a current Interest Coverage of No Debt (1). The stock's GF Value™ is $2.44, compared to a current price of $3.76 — trading 54.1% above its estimated fair value. The current Interest Coverage is No Debt (1), which is 90% below median its 10-year median of 9.77. Paisalo Digital's overall GF Score™ is 72/100 with 10 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 Paisalo Digital (LUX:SEINV), the current Interest Coverage is No Debt (1) as of Jun. 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 Paisalo Digital (LUX:SEINV) Overvalued in 2026?
Based on GuruFocus' analysis, Paisalo Digital stock appears to be overvalued.
The current stock price of $3.76 is trading 54.1% above its estimated GF Value™ of $2.44.
Key valuation signals for LUX:SEINV:
Interest Coverage: No Debt (1) (90% below median its 10-year median of 9.77)
GF Value™: $2.44 vs. price of $3.76 (54.1% above fair value)
No single metric tells the full story. See the LUX:SEINV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paisalo Digital Ltd is a non-deposit-taking non-banking finance company that offers financial services to underserved individuals in India. The product portfolio of the company consists of business loans, loans for small and medium enterprises, income generation loans, mobility loans, entrepreneurial loans, and others. It lends to individuals, SSIs, SMEs, and other manufacturing, trading, and service sector entities, among others.
72GF Score
Get the complete analysis for LUX:SEINV
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LUX:SEINV has been successfully added to your 
