Reply SpAMIL:REY +1.87%78 Interest Coverage is 252.13 as of Mar. 2026, which is 462% above its 10-year median of 44.86. GuruFocus rates MIL:REY with a GF Score™ of 78/100 and a GF Value™ of €146.12 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,705 Software companies, Reply SpA ranks better than 52.49% 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. Reply SpA's
Operating Income
for the
three
months ended in Mar. 2026 was €95 Mil. Reply SpA's Interest Expense for the
three
months ended in Mar. 2026 was €-0 Mil.
Reply SpA's interest coverage for the quarter that ended in Mar. 2026 was 252.13.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Reply SpA's Interest Coverage or its related term are showing as below:
MIL:REY'
s Interest Coverage Range Over the Past 10 Years
Min: 29.58 Med: 44.86 Max: 135.9
Current: 29.58
MIL:REY's Interest Coverage is ranked better than 52.49% of 1705
companies
in the Software industry
Industry Median: 24.78
vs MIL:REY: 29.58
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 .
Reply SpA Interest Coverage Related Terms
Reply SpA Interest Coverage Historical Data
* Premium members only.
The historical data trend for Reply 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.
MIL:REY vs IBM, ACN, FISV: Interest Coverage Comparison
For the Information Technology Services subindustry, Reply 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.
Reply SpA Interest Coverage vs Software Industry
For the Software industry and Technology sector, Reply SpA's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Reply SpA'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.
Reply SpA (MIL:REY) has a Interest Coverage of 252.13 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Reply SpA and its competitors. This is 462% above median its historical median of 44.86. Over the past decade, Reply SpA's Interest Coverage has ranged from 29.58 to 135.90. According to the industry distribution chart, Reply SpA ranks #810 out of 1705 companies in the Software industry, placing it in the top 47.5%.
Is Reply SpA's Interest Coverage too high?
Reply SpA's current Interest Coverage of 252.13 is 462% above median its 10-year median of 44.86. Over the past 10 years, this metric has ranged from a low of 29.58 to a high of 135.90. The Software industry median Interest Coverage is 24.78. Reply SpA's value of 252.13 is 917.5% above this industry median. Based on the distribution chart, Reply SpA ranks #810 out of 1705 companies in the Software industry, which is above the industry midpoint. Overall, Reply SpA has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Reply SpA's Interest Coverage compare to IBM and ACN?
According to the Software industry distribution chart, Reply SpA ranks #810 out of 1705 companies for Interest Coverage. This puts Reply SpA in the upper half of its industry. The industry median Interest Coverage is 24.78. Reply SpA's value of 252.13 is 917.5% above this benchmark. Historically, Reply SpA's own Interest Coverage has ranged from 29.58 to 135.90 over the past decade. While the company's 10-year median is 44.86 vs. the industry median of 24.78, Reply SpA 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. Reply SpA's current Interest Coverage of 252.13 is 917.5% 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 Reply SpA 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. Reply SpA's current Interest Coverage is 252.13, which is 462% above median its own 10-year median of 44.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Reply SpA stock overvalued right now?
Based on GuruFocus' analysis, Reply SpA (MIL:REY) is currently considered Significantly Undervalued. The stock's GF Value™ is €146.12, compared to a current price of €90.00 — trading 38.4% below its estimated fair value. The current Interest Coverage is 252.13, which is 462% above median its 10-year median of 44.86 and 917.5% above the Software industry median of 24.78. Reply SpA's overall GF Score™ is 78/100 with 3 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 Reply SpA (MIL:REY), the current Interest Coverage is 252.13 as of Mar. 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 Reply SpA (MIL:REY) Overvalued in 2026?
Based on GuruFocus' analysis, Reply SpA stock appears to be undervalued.
The current stock price of €90.00 is trading 38.4% below its estimated GF Value™ of €146.12.
GuruFocus considers Reply SpA to be Significantly Undervalued.
Key valuation signals for MIL:REY:
Interest Coverage: 252.13 (462% above median its 10-year median of 44.86)
GF Value™: €146.12 vs. price of €90.00 (38.4% below fair value)
Industry Position: 917.5% above the Software median (#810 of 1705)
No single metric tells the full story. See the MIL:REY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Reply SpA specialises in consulting, digital services, and the integration of processes, applications, and devices. Reply serves clients in the telecommunication and media, banking, insurance, financial, industry and services, energy and utilities, and public administration industries. The company provides its services mainly through platforms such as X-Rais Reply, Discovery Reply, Brick Reply, TamTamy, and SideUp Reply. Reply researches, selects, and markets solutions through channels such as data analysis, digital communication, e-commerce, mobile, and social media. Its business segments are defined based on geographical areas of operation and include Region 1 (including Italy, USA, Brazil, Poland, Romania, and Nanjing), which derives key revenue, Region 2, Region 3, and IoT Incubator.
78GF Score
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