Lloyds LuxuriesNSE:LLOYDS -4.91%74 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 5,003.57. GuruFocus rates NSE:LLOYDS with a GF Score™ of 74/100 and a GF Value™ of ₹148.54 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 71 Personal Services companies, Lloyds Luxuries ranks better than 98.59% 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. Lloyds Luxuries's
Operating Income
for the
six
months ended in Mar. 2026 was ₹-2.8 Mil. Lloyds Luxuries's Interest Expense for the
six
months ended in Mar. 2026 was ₹0.0 Mil.
Lloyds Luxuries has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Lloyds Luxuries Ltd has no debt.
(1) 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.
The historical rank and industry rank for Lloyds Luxuries's Interest Coverage or its related term are showing as below:
NSE:LLOYDS'
s Interest Coverage Range Over the Past 10 Years
Min: 7.13 Med: 5003.57 Max: No Debt
Current: No Debt
NSE:LLOYDS's Interest Coverage is ranked better than 98.59% of 71
companies
in the Personal Services industry
Industry Median: 9.34
vs NSE:LLOYDS: No Debt
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 .
Lloyds Luxuries Interest Coverage Related Terms
Lloyds Luxuries Interest Coverage Historical Data
* Premium members only.
The historical data trend for Lloyds Luxuries'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:LLOYDS vs ROL, SCI, HRB: Interest Coverage Comparison
For the Personal Services subindustry, Lloyds Luxuries'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.
Lloyds Luxuries Interest Coverage vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, Lloyds Luxuries's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Lloyds Luxuries'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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Lloyds Luxuries (NSE:LLOYDS) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Lloyds Luxuries and its competitors. This is 100% below median its historical median of 5,003.57. Over the past decade, Lloyds Luxuries' Interest Coverage has ranged from 7.13 to 10,000.00. According to the industry distribution chart, Lloyds Luxuries ranks #1 out of 71 companies in the Personal Services industry, placing it in the top 1.4%.
Is Lloyds Luxuries' Interest Coverage too high?
Lloyds Luxuries' current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 5,003.57. Over the past 10 years, this metric has ranged from a low of 7.13 to a high of 10,000.00. Based on the distribution chart, Lloyds Luxuries ranks #1 out of 71 companies in the Personal Services industry, which is in the top quartile — a strong position relative to peers. Overall, Lloyds Luxuries has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lloyds Luxuries' Interest Coverage compare to ROL and SCI?
According to the Personal Services industry distribution chart, Lloyds Luxuries ranks #1 out of 71 companies for Interest Coverage. This places Lloyds Luxuries in the top 1% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 9.34. Historically, Lloyds Luxuries' own Interest Coverage has ranged from 7.13 to 10,000.00 over the past decade. 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 Personal Services company?
The median Interest Coverage among Personal Services companies is 9.34, based on 71 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. 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 Lloyds Luxuries and its competitors. For the Personal Services industry, the median Interest Coverage is 9.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lloyds Luxuries's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 5,003.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lloyds Luxuries stock overvalued right now?
Based on GuruFocus' analysis, Lloyds Luxuries (NSE:LLOYDS) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹148.54, compared to a current price of ₹72.55 — trading 51.2% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 5,003.57. Lloyds Luxuries' overall GF Score™ is 74/100 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 Lloyds Luxuries (NSE:LLOYDS), the current Interest Coverage is No Debt (1) 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 Lloyds Luxuries (NSE:LLOYDS) Overvalued in 2026?
Based on GuruFocus' analysis, Lloyds Luxuries stock appears to be undervalued.
The current stock price of ₹72.55 is trading 51.2% below its estimated GF Value™ of ₹148.54.
GuruFocus considers Lloyds Luxuries to be Significantly Undervalued.
Key valuation signals for NSE:LLOYDS:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 5,003.57)
GF Value™: ₹148.54 vs. price of ₹72.55 (51.2% below fair value)
No single metric tells the full story. See the NSE:LLOYDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lloyds Luxuries Ltd is an organized player of salon services and beauty products in India, focused on sale & services of men's and women's groom care products. The company owns an exclusive franchisee of Truefitt & Hill, which is an international brand offering a wide range of beauty products and salon services for men through luxury barbershops operating across many countries.
74GF Score
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