Master TrustNSE:MASTERTR -2.46%70 Interest Coverage is 4.41 as of Mar. 2026, which is 109% above its 10-year median of 2.11. GuruFocus rates NSE:MASTERTR with a GF Score™ of 70/100 and a GF Value™ of ₹145.98 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 430 Capital Markets companies, Master Trust ranks worse than 70.23% 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. Master Trust's
Operating Income
for the
three
months ended in Mar. 2026 was ₹630 Mil. Master Trust's Interest Expense for the
three
months ended in Mar. 2026 was ₹-143 Mil.
Master Trust's interest coverage for the quarter that ended in Mar. 2026 was 4.41.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Master Trust's Interest Coverage or its related term are showing as below:
NSE:MASTERTR'
s Interest Coverage Range Over the Past 10 Years
Min: 0.92 Med: 2.11 Max: 3.95
Current: 3.9
NSE:MASTERTR's Interest Coverage is ranked worse than 70.23% of 430
companies
in the Capital Markets industry
Industry Median: 19.375
vs NSE:MASTERTR: 3.90
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 .
Master Trust Interest Coverage Related Terms
Master Trust Interest Coverage Historical Data
* Premium members only.
The historical data trend for Master Trust'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:MASTERTR vs MS, GS, SCHW: Interest Coverage Comparison
For the Capital Markets subindustry, Master Trust'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.
Master Trust Interest Coverage vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Master Trust's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Master Trust'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.
Master Trust (NSE:MASTERTR) has a Interest Coverage of 4.41 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Master Trust and its competitors. This is 109% above median its historical median of 2.11. Over the past decade, Master Trust's Interest Coverage has ranged from 0.92 to 3.95. According to the industry distribution chart, Master Trust ranks #302 out of 430 companies in the Capital Markets industry, placing it in the top 70.2%.
Is Master Trust's Interest Coverage too high?
Master Trust's current Interest Coverage of 4.41 is 109% above median its 10-year median of 2.11. Over the past 10 years, this metric has ranged from a low of 0.92 to a high of 3.95. The Capital Markets industry median Interest Coverage is 19.38. Master Trust's value of 4.41 is 77.2% below this industry median. Based on the distribution chart, Master Trust ranks #302 out of 430 companies in the Capital Markets industry, which is below the industry midpoint. Overall, Master Trust has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Master Trust's Interest Coverage compare to MS and GS?
According to the Capital Markets industry distribution chart, Master Trust ranks #302 out of 430 companies for Interest Coverage. This places Master Trust in the lower half of its industry. The industry median Interest Coverage is 19.38. Master Trust's value of 4.41 is 77.2% below this benchmark. Historically, Master Trust's own Interest Coverage has ranged from 0.92 to 3.95 over the past decade. While the company's 10-year median is 2.11 vs. the industry median of 19.38, Master Trust 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 Capital Markets company?
The median Interest Coverage among Capital Markets companies is 19.38, based on 430 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. Master Trust's current Interest Coverage of 4.41 is 77.2% 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 Master Trust and its competitors. For the Capital Markets industry, the median Interest Coverage is 19.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Master Trust's current Interest Coverage is 4.41, which is 109% above median its own 10-year median of 2.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Master Trust stock overvalued right now?
Based on GuruFocus' analysis, Master Trust (NSE:MASTERTR) is currently considered Possible Value Trap. The stock's GF Value™ is ₹145.98, compared to a current price of ₹76.21 — trading 47.8% below its estimated fair value. The current Interest Coverage is 4.41, which is 109% above median its 10-year median of 2.11 and 77.2% below the Capital Markets industry median of 19.38. Master Trust's overall GF Score™ is 70/100 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 Master Trust (NSE:MASTERTR), the current Interest Coverage is 4.41 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 Master Trust (NSE:MASTERTR) Overvalued in 2026?
Based on GuruFocus' analysis, Master Trust stock appears to be undervalued.
The current stock price of ₹76.21 is trading 47.8% below its estimated GF Value™ of ₹145.98.
GuruFocus considers Master Trust to be Possible Value Trap.
Key valuation signals for NSE:MASTERTR:
Interest Coverage: 4.41 (109% above median its 10-year median of 2.11)
GF Value™: ₹145.98 vs. price of ₹76.21 (47.8% below fair value)
Industry Position: 77.2% below the Capital Markets median (#302 of 430)
No single metric tells the full story. See the NSE:MASTERTR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Master Trust Ltd is a non-banking financial company based in India. It is engaged in the business of lending, sales, and purchases of securities and lands. It offers services broker-assisted trade execution and automated online investing, commodity futures, clearing services for all securities transactions, and other related services. The company operates in two segments, which are Interest and Investment/Trading in Securities & others. The majority of revenue is derived from the Interest segment.
70GF Score
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