Mitsubishi HC CapitalMIUFF 83 Interest Coverage is 17.39 as of Mar. 2026, which is 14% below its 10-year median of 20.13. GuruFocus rates MIUFF with a GF Score™ of 83/100 and a GF Value™ of $6.78. The stock has 3 warning signs investors should review. Among 163 Credit Services companies, Mitsubishi HC Capital ranks worse than 57.06% 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. Mitsubishi HC Capital's
Operating Income
for the
three
months ended in Mar. 2026 was $287 Mil. Mitsubishi HC Capital's Interest Expense for the
three
months ended in Mar. 2026 was $-17 Mil.
Mitsubishi HC Capital's interest coverage for the quarter that ended in Mar. 2026 was 17.39.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Mitsubishi HC Capital's Interest Coverage or its related term are showing as below:
MIUFF'
s Interest Coverage Range Over the Past 10 Years
Min: 13.22 Med: 20.13 Max: 29.15
Current: 25.66
MIUFF's Interest Coverage is ranked worse than 57.06% of 163
companies
in the Credit Services industry
Industry Median: 47.86
vs MIUFF: 25.66
Mitsubishi HC Capital (OTCPK:MIUFF) 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 .
Mitsubishi HC Capital Interest Coverage Related Terms
Mitsubishi HC Capital Interest Coverage Historical Data
* Premium members only.
The historical data trend for Mitsubishi HC Capital'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.
For the Credit Services subindustry, Mitsubishi HC Capital'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.
Mitsubishi HC Capital Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital's Interest Coverage falls into.
Mitsubishi HC Capital 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.
Mitsubishi HC Capital (MIUFF) has a Interest Coverage of 17.39 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Mitsubishi HC Capital and its competitors. This is 14% below median its historical median of 20.13. Over the past decade, Mitsubishi HC Capital's Interest Coverage has ranged from 13.22 to 29.15. According to the industry distribution chart, Mitsubishi HC Capital ranks #93 out of 163 companies in the Credit Services industry, placing it in the top 57.1%.
Is Mitsubishi HC Capital's Interest Coverage too high?
Mitsubishi HC Capital's current Interest Coverage of 17.39 is 14% below median its 10-year median of 20.13. Over the past 10 years, this metric has ranged from a low of 13.22 to a high of 29.15. The Credit Services industry median Interest Coverage is 47.86. Mitsubishi HC Capital's value of 17.39 is 63.7% below this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #93 out of 163 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mitsubishi HC Capital has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #93 out of 163 companies for Interest Coverage. This places Mitsubishi HC Capital in the lower half of its industry. The industry median Interest Coverage is 47.86. Mitsubishi HC Capital's value of 17.39 is 63.7% below this benchmark. Historically, Mitsubishi HC Capital's own Interest Coverage has ranged from 13.22 to 29.15 over the past decade. While the company's 10-year median is 20.13 vs. the industry median of 47.86, Mitsubishi HC Capital 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 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. Mitsubishi HC Capital's current Interest Coverage of 17.39 is 63.7% 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 Mitsubishi HC Capital and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mitsubishi HC Capital's current Interest Coverage is 17.39, which is 14% below median its own 10-year median of 20.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mitsubishi HC Capital stock overvalued right now?
Mitsubishi HC Capital (MIUFF) has a current Interest Coverage of 17.39. The stock's GF Value™ is $6.78, compared to a current price of $7.50 — trading 10.6% above its estimated fair value. The current Interest Coverage is 17.39, which is 14% below median its 10-year median of 20.13 and 63.7% below the Credit Services industry median of 47.86. Mitsubishi HC Capital's overall GF Score™ is 83/100 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 Mitsubishi HC Capital (MIUFF), the current Interest Coverage is 17.39 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 Mitsubishi HC Capital (MIUFF) Overvalued in 2026?
Based on GuruFocus' analysis, Mitsubishi HC Capital stock appears to be overvalued.
The current stock price of $7.50 is trading 10.6% above its estimated GF Value™ of $6.78.
Key valuation signals for MIUFF:
Interest Coverage: 17.39 (14% below median its 10-year median of 20.13)
GF Value™: $6.78 vs. price of $7.50 (10.6% above fair value)
Industry Position: 63.7% below the Credit Services median (#93 of 163)
No single metric tells the full story. See the MIUFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mitsubishi HC Capital Inc is a Japan-based company engaged in providing comprehensive financial services. The company operates through several reportable segments, including Customer Solution, Overseas Region, Environmental Energy, Aviation, Logistics, Real Estate, and Mobility. Its businesses include finance solutions for corporations and government agencies, energy-saving and vendor finance, renewable energy and environmental finance, aircraft and engine leasing, marine container and railway freight car leasing, real estate finance and investment, and automobile leasing and related services. It generates the majority of its revenue from the Customer Solutions segment.
83GF Score
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