Indian PhosphateNSE:IPHL -1.52%18 Interest Coverage is 4.95 as of Sep. 2025, which is 19% below its 10-year median of 6.14. GuruFocus rates NSE:IPHL with a GF Score™ of 18/100. The stock has 3 warning signs investors should review. Among 1,234 Chemicals companies, Indian Phosphate ranks worse than 62.32% 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. Indian Phosphate's
Operating Income
for the
six
months ended in Sep. 2025 was ₹172 Mil. Indian Phosphate's Interest Expense for the
six
months ended in Sep. 2025 was ₹-35 Mil.
Indian Phosphate's interest coverage for the quarter that ended in Sep. 2025 was 4.95.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Indian Phosphate's Interest Coverage or its related term are showing as below:
NSE:IPHL'
s Interest Coverage Range Over the Past 10 Years
Min: 3.14 Med: 6.14 Max: 10.7
Current: 5.92
NSE:IPHL's Interest Coverage is ranked worse than 62.32% of 1234
companies
in the Chemicals industry
Industry Median: 10.18
vs NSE:IPHL: 5.92
Indian Phosphate (NSE:IPHL) 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 .
Indian Phosphate Interest Coverage Related Terms
Indian Phosphate Interest Coverage Historical Data
* Premium members only.
The historical data trend for Indian Phosphate'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.
NSE:IPHL vs LIN, SHW, ECL: Interest Coverage Comparison
For the Specialty Chemicals subindustry, Indian Phosphate'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.
Indian Phosphate Interest Coverage vs Chemicals Industry
For the Chemicals industry and Basic Materials sector, Indian Phosphate's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Indian Phosphate'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.
Indian Phosphate (NSE:IPHL) has a Interest Coverage of 4.95 as of Sep. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Indian Phosphate and its competitors. This is 19% below median its historical median of 6.14. Over the past decade, Indian Phosphate's Interest Coverage has ranged from 3.14 to 10.70. According to the industry distribution chart, Indian Phosphate ranks #769 out of 1234 companies in the Chemicals industry, placing it in the top 62.3%.
Is Indian Phosphate's Interest Coverage too high?
Indian Phosphate's current Interest Coverage of 4.95 is 19% below median its 10-year median of 6.14. Over the past 10 years, this metric has ranged from a low of 3.14 to a high of 10.70. The Chemicals industry median Interest Coverage is 10.18. Indian Phosphate's value of 4.95 is 51.4% below this industry median. Based on the distribution chart, Indian Phosphate ranks #769 out of 1234 companies in the Chemicals industry, which is below the industry midpoint. Overall, Indian Phosphate has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Indian Phosphate's Interest Coverage compare to LIN and SHW?
According to the Chemicals industry distribution chart, Indian Phosphate ranks #769 out of 1234 companies for Interest Coverage. This places Indian Phosphate in the lower half of its industry. The industry median Interest Coverage is 10.18. Indian Phosphate's value of 4.95 is 51.4% below this benchmark. Historically, Indian Phosphate's own Interest Coverage has ranged from 3.14 to 10.70 over the past decade. While the company's 10-year median is 6.14 vs. the industry median of 10.18, Indian Phosphate 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 Chemicals company?
The median Interest Coverage among Chemicals companies is 10.18, based on 1,234 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. Indian Phosphate's current Interest Coverage of 4.95 is 51.4% 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 Indian Phosphate and its competitors. For the Chemicals industry, the median Interest Coverage is 10.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Phosphate's current Interest Coverage is 4.95, which is 19% below median its own 10-year median of 6.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indian Phosphate stock overvalued right now?
Indian Phosphate (NSE:IPHL) has a current Interest Coverage of 4.95. The current Interest Coverage is 4.95, which is 19% below median its 10-year median of 6.14 and 51.4% below the Chemicals industry median of 10.18. Indian Phosphate's overall GF Score™ is 18/100 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 Indian Phosphate (NSE:IPHL), the current Interest Coverage is 4.95 as of Sep. 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.
Indian Phosphate Ltd is involved in the production of Linear Alkylbenzene Sulphonic Acid (LABSA) 90%, an anionic surfactant used in the formulation of various detergent products such as powders, cakes, toilet cleaners, and liquid detergents. The company is also involved in manufacturing Single Super Phosphate (SSP) fertilizer and Granules Single Super Phosphate (GSSP). The business comprises the manufacture, purchase, and sale of Fertilizers and chemicals. The company generates the majority of its revenue from the Chemical Division.
18GF Score
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