Goldiam InternationalNSE:GOLDIAM +0.55%90 Interest Coverage is 31.04 as of Mar. 2026, which is 71% below its 10-year median of 108.41. GuruFocus rates NSE:GOLDIAM with a GF Score™ of 90/100 and a GF Value™ of ₹398.99 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 825 Retail - Cyclical companies, Goldiam International ranks better than 88.48% 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. Goldiam International's
Operating Income
for the
three
months ended in Mar. 2026 was ₹438 Mil. Goldiam International's Interest Expense for the
three
months ended in Mar. 2026 was ₹-14 Mil.
Goldiam International's interest coverage for the quarter that ended in Mar. 2026 was 31.04.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Goldiam International Ltd has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Goldiam International's Interest Coverage or its related term are showing as below:
NSE:GOLDIAM'
s Interest Coverage Range Over the Past 10 Years
Min: 15.1 Med: 108.41 Max: 3923.71
Current: 102.19
NSE:GOLDIAM's Interest Coverage is ranked better than 88.48% of 825
companies
in the Retail - Cyclical industry
Industry Median: 7.96
vs NSE:GOLDIAM: 102.19
Goldiam International (NSE:GOLDIAM) 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 .
Goldiam International Interest Coverage Related Terms
Goldiam International Interest Coverage Historical Data
* Premium members only.
The historical data trend for Goldiam International'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 Luxury Goods subindustry, Goldiam International'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.
Goldiam International Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Goldiam International's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Goldiam International's Interest Coverage falls into.
Goldiam International 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.
Goldiam International (NSE:GOLDIAM) has a Interest Coverage of 31.04 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Goldiam International and its competitors. This is 71% below median its historical median of 108.41. Over the past decade, Goldiam International's Interest Coverage has ranged from 15.10 to 3,923.71. According to the industry distribution chart, Goldiam International ranks #95 out of 825 companies in the Retail - Cyclical industry, placing it in the top 11.5%.
Is Goldiam International's Interest Coverage too high?
Goldiam International's current Interest Coverage of 31.04 is 71% below median its 10-year median of 108.41. Over the past 10 years, this metric has ranged from a low of 15.10 to a high of 3,923.71. The Retail - Cyclical industry median Interest Coverage is 7.96. Goldiam International's value of 31.04 is 289.9% above this industry median. Based on the distribution chart, Goldiam International ranks #95 out of 825 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Goldiam International has a GF Score™ of 90/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Goldiam International's Interest Coverage compare to TPR?
According to the Retail - Cyclical industry distribution chart, Goldiam International ranks #95 out of 825 companies for Interest Coverage. This places Goldiam International in the top 12% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 7.96. Goldiam International's value of 31.04 is 289.9% above this benchmark. Historically, Goldiam International's own Interest Coverage has ranged from 15.10 to 3,923.71 over the past decade. While the company's 10-year median is 108.41 vs. the industry median of 7.96, Goldiam International 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 Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.96, based on 825 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. Goldiam International's current Interest Coverage of 31.04 is 289.9% 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 Goldiam International and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Goldiam International's current Interest Coverage is 31.04, which is 71% below median its own 10-year median of 108.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Goldiam International stock overvalued right now?
Based on GuruFocus' analysis, Goldiam International (NSE:GOLDIAM) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹398.99, compared to a current price of ₹446.60 — trading 11.9% above its estimated fair value. The current Interest Coverage is 31.04, which is 71% below median its 10-year median of 108.41 and 289.9% above the Retail - Cyclical industry median of 7.96. Goldiam International's overall GF Score™ is 90/100 with 5 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 Goldiam International (NSE:GOLDIAM), the current Interest Coverage is 31.04 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 Goldiam International (NSE:GOLDIAM) Overvalued in 2026?
Based on GuruFocus' analysis, Goldiam International stock appears to be overvalued.
The current stock price of ₹446.60 is trading 11.9% above its estimated GF Value™ of ₹398.99.
GuruFocus considers Goldiam International to be Modestly Overvalued.
Key valuation signals for NSE:GOLDIAM:
Interest Coverage: 31.04 (71% below median its 10-year median of 108.41)
GF Value™: ₹398.99 vs. price of ₹446.60 (11.9% above fair value)
Industry Position: 289.9% above the Retail - Cyclical median (#95 of 825)
No single metric tells the full story. See the NSE:GOLDIAM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Goldiam International Ltd is an Indian company operating as a manufacturer of diamond-studded gold, platinum, and silver jewelry. The principal business activities of the company are manufacturing and exporting gold and silver jewelry. It operates in two segments; Jewellery Manufacturing and Investment Activity. Its products include engagement rings, wedding bands, anniversary rings, bridal sets, fashion jewelry earrings and pendants, and fashion jewelry and necklaces and earrings. It generates the majority of its revenue from the Jewellery Manufacturing segment.
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