Siav SpAMIL:SIAV +1.56%72 Interest Coverage is 6.51 as of Dec. 2025, which is 63% above its 10-year median of 3.99. GuruFocus rates MIL:SIAV with a GF Score™ of 72/100 and a GF Value™ of €2.70 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,713 Software companies, Siav SpA ranks worse than 79.22% 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. Siav SpA's
Operating Income
for the
six
months ended in Dec. 2025 was €2.97 Mil. Siav SpA's Interest Expense for the
six
months ended in Dec. 2025 was €-0.46 Mil.
Siav SpA's interest coverage for the quarter that ended in Dec. 2025 was 6.51.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Siav SpA's Interest Coverage or its related term are showing as below:
MIL:SIAV'
s Interest Coverage Range Over the Past 10 Years
Min: 1.06 Med: 3.99 Max: 6.84
Current: 4.61
MIL:SIAV's Interest Coverage is ranked worse than 79.22% of 1713
companies
in the Software industry
Industry Median: 24.62
vs MIL:SIAV: 4.61
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 .
Siav SpA Interest Coverage Related Terms
Siav SpA Interest Coverage Historical Data
* Premium members only.
The historical data trend for Siav 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:SIAV vs UBER, SHOP, CRM: Interest Coverage Comparison
For the Software - Application subindustry, Siav 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.
Siav SpA Interest Coverage vs Software Industry
For the Software industry and Technology sector, Siav SpA's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Siav 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.
Siav SpA (MIL:SIAV) has a Interest Coverage of 6.51 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Siav SpA and its competitors. This is 63% above median its historical median of 3.99. Over the past decade, Siav SpA's Interest Coverage has ranged from 1.06 to 6.84. According to the industry distribution chart, Siav SpA ranks #1357 out of 1713 companies in the Software industry, placing it in the top 79.2%.
Is Siav SpA's Interest Coverage too high?
Siav SpA's current Interest Coverage of 6.51 is 63% above median its 10-year median of 3.99. Over the past 10 years, this metric has ranged from a low of 1.06 to a high of 6.84. The Software industry median Interest Coverage is 24.62. Siav SpA's value of 6.51 is 73.6% below this industry median. Based on the distribution chart, Siav SpA ranks #1357 out of 1713 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Siav SpA has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Siav SpA's Interest Coverage compare to UBER and SHOP?
According to the Software industry distribution chart, Siav SpA ranks #1357 out of 1713 companies for Interest Coverage. This places Siav SpA in the lower half of its industry. The industry median Interest Coverage is 24.62. Siav SpA's value of 6.51 is 73.6% below this benchmark. Historically, Siav SpA's own Interest Coverage has ranged from 1.06 to 6.84 over the past decade. While the company's 10-year median is 3.99 vs. the industry median of 24.62, Siav SpA 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 24.62, based on 1,713 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. Siav SpA's current Interest Coverage of 6.51 is 73.6% 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 Siav SpA and its competitors. For the Software industry, the median Interest Coverage is 24.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Siav SpA's current Interest Coverage is 6.51, which is 63% above median its own 10-year median of 3.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Siav SpA stock overvalued right now?
Based on GuruFocus' analysis, Siav SpA (MIL:SIAV) is currently considered Fairly Valued. The stock's GF Value™ is €2.70, compared to a current price of €2.60 — trading 3.7% below its estimated fair value. The current Interest Coverage is 6.51, which is 63% above median its 10-year median of 3.99 and 73.6% below the Software industry median of 24.62. Siav SpA's overall GF Score™ is 72/100 with 2 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 Siav SpA (MIL:SIAV), the current Interest Coverage is 6.51 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 Siav SpA (MIL:SIAV) Overvalued in 2026?
Based on GuruFocus' analysis, Siav SpA stock appears to be undervalued.
The current stock price of €2.60 is trading 3.7% below its estimated GF Value™ of €2.70.
GuruFocus considers Siav SpA to be Fairly Valued.
Key valuation signals for MIL:SIAV:
Interest Coverage: 6.51 (63% above median its 10-year median of 3.99)
GF Value™: €2.70 vs. price of €2.60 (3.7% below fair value)
Industry Position: 73.6% below the Software median (#1357 of 1713)
No single metric tells the full story. See the MIL:SIAV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Siav SpA is a software and IT service company specializing in dematerialization, document management, and digital processes. It offers software platforms such as Archiflow Nova, Siav Connect, and Siav Frame for information and process management; Vertical software and solutions that deal with specific topics such as Silloge, Checker, MyCreditService, etc., and outsourcing services such as dematerialization and replacement storage of documents, managed through a proprietary solution (Virgilio), and B2B electronic invoicing. The company's operating segments are based on the market it operates in and include the Private Market, Central Public Administration Market (CPA), Local Public Administration Market (PAL), and Channel Market.
72GF Score
Get the complete analysis for MIL:SIAV
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