Generalfinance SpA (MIL:GF) Interest Coverage: N/A (As of Mar. 2026)


MIL:GF Generalfinance SpA MIL:GF
75 GF Score
Price €28.60
GF Value €16.21
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Generalfinance SpA Interest Coverage?

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. Generalfinance SpA's Operating Income for the three months ended in Mar. 2026 was €10.2 Mil. Generalfinance SpA's Interest Expense for the three months ended in Mar. 2026 was €0.0 Mil. GuruFocus does not calculate 's interest coverage with the available data. The higher the ratio, the stronger the company's financial strength is.

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


MIL:GF's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 47.86
* Ranked among companies with meaningful Interest Coverage only.

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


Generalfinance SpA  (MIL:GF) 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 .


Generalfinance SpA Interest Coverage Related Terms


Generalfinance SpA Interest Coverage Historical Data

* Premium members only.

The historical data trend for Generalfinance SpA'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.

Generalfinance SpA Interest Coverage Chart

Generalfinance SpA Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial N/A N/A N/A N/A N/A

Generalfinance SpA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

MIL:GF vs V, MA, AXP: Interest Coverage Comparison

For the Credit Services subindustry, Generalfinance SpA'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.


Generalfinance SpA Interest Coverage vs Credit Services Industry

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

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


MIL:GF
75GF Score
Generalfinance SpA MIL:GF
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Generalfinance SpA 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.

Generalfinance SpA's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, Generalfinance SpA's Interest Expense was €0.0 Mil. Its Operating Income was €46.5 Mil. And its Long-Term Debt & Capital Lease Obligation was €646.3 Mil.

GuruFocus does not calculate Generalfinance SpA's interest coverage with the available data.

Generalfinance SpA's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Here, for the three months ended in Mar. 2026, Generalfinance SpA's Interest Expense was €0.0 Mil. Its Operating Income was €10.2 Mil. And its Long-Term Debt & Capital Lease Obligation was €566.0 Mil.

GuruFocus does not calculate Generalfinance SpA's interest coverage with the available 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.

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

Is Generalfinance SpA (MIL:GF) Overvalued in 2026?

Based on GuruFocus' analysis, Generalfinance SpA stock appears to be overvalued. The current stock price of €28.60 is trading 76.4% above its estimated GF Value™ of €16.21. GuruFocus considers Generalfinance SpA to be Significantly Overvalued.

Key valuation signals for MIL:GF:

  • Interest Coverage: N/A
  • GF Value™: €16.21 vs. price of €28.60 (76.4% above fair value)
  • GF Score™: 75/100 with 5 warning signs

No single metric tells the full story. See the MIL:GF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Generalfinance SpA Business Description

Other Exchanges VG30:Germany
Address Via Carso no. 36, Via Piave no.22, Biella, ITA, 13900
Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.
75GF Score

Get the complete analysis for MIL:GF

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€28.60
Price
€16.21
GF Value