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P N Gadgil JewellersNSE:PNGJL -1.14%45 Interest Coverage is 4.83 as of Jun. 2026, which is 11% below its 10-year median of 5.43. GuruFocus rates NSE:PNGJL with a GF Score™ of 45/100. The stock has 3 warning signs investors should review. Among 839 Retail - Cyclical companies, P N Gadgil Jewellers ranks worse than 57.81% 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. P N Gadgil Jewellers's
Operating Income
for the
three
months ended in Jun. 2026 was ₹1,646 Mil. P N Gadgil Jewellers's Interest Expense for the
three
months ended in Jun. 2026 was ₹-341 Mil.
P N Gadgil Jewellers's interest coverage for the quarter that ended in Jun. 2026 was 4.83.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for P N Gadgil Jewellers's Interest Coverage or its related term are showing as below:
NSE:PNGJL'
s Interest Coverage Range Over the Past 10 Years
Min: 1.21 Med: 5.43 Max: 7.07
Current: 5.68
NSE:PNGJL's Interest Coverage is ranked worse than 57.81% of 839
companies
in the Retail - Cyclical industry
Industry Median: 7.45
vs NSE:PNGJL: 5.68
P N Gadgil Jewellers (NSE:PNGJL) 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 .
P N Gadgil Jewellers Interest Coverage Related Terms
P N Gadgil Jewellers Interest Coverage Historical Data
* Premium members only.
The historical data trend for P N Gadgil Jewellers'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, P N Gadgil Jewellers'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.
P N Gadgil Jewellers Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, P N Gadgil Jewellers's Interest Coverage distribution charts can be found below:
* The bar in red indicates where P N Gadgil Jewellers's Interest Coverage falls into.
P N Gadgil Jewellers 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.
P N Gadgil Jewellers (NSE:PNGJL) has a Interest Coverage of 4.83 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on P N Gadgil Jewellers and its competitors. This is 11% below median its historical median of 5.43. Over the past decade, P N Gadgil Jewellers' Interest Coverage has ranged from 1.21 to 7.07. According to the industry distribution chart, P N Gadgil Jewellers ranks #485 out of 839 companies in the Retail - Cyclical industry, placing it in the top 57.8%.
Is P N Gadgil Jewellers' Interest Coverage too high?
P N Gadgil Jewellers' current Interest Coverage of 4.83 is 11% below median its 10-year median of 5.43. Over the past 10 years, this metric has ranged from a low of 1.21 to a high of 7.07. The Retail - Cyclical industry median Interest Coverage is 7.45. P N Gadgil Jewellers' value of 4.83 is 35.2% below this industry median. Based on the distribution chart, P N Gadgil Jewellers ranks #485 out of 839 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, P N Gadgil Jewellers has a GF Score™ of 45/100, reflecting its overall financial health beyond just this single metric.
How does P N Gadgil Jewellers' Interest Coverage compare to TPR?
According to the Retail - Cyclical industry distribution chart, P N Gadgil Jewellers ranks #485 out of 839 companies for Interest Coverage. This places P N Gadgil Jewellers in the lower half of its industry. The industry median Interest Coverage is 7.45. P N Gadgil Jewellers' value of 4.83 is 35.2% below this benchmark. Historically, P N Gadgil Jewellers' own Interest Coverage has ranged from 1.21 to 7.07 over the past decade. While the company's 10-year median is 5.43 vs. the industry median of 7.45, P N Gadgil Jewellers 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 Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.45, based on 839 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. P N Gadgil Jewellers's current Interest Coverage of 4.83 is 35.2% 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 P N Gadgil Jewellers and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. P N Gadgil Jewellers's current Interest Coverage is 4.83, which is 11% below median its own 10-year median of 5.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is P N Gadgil Jewellers stock overvalued right now?
P N Gadgil Jewellers (NSE:PNGJL) has a current Interest Coverage of 4.83. The current Interest Coverage is 4.83, which is 11% below median its 10-year median of 5.43 and 35.2% below the Retail - Cyclical industry median of 7.45. P N Gadgil Jewellers' overall GF Score™ is 45/100 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 P N Gadgil Jewellers (NSE:PNGJL), the current Interest Coverage is 4.83 as of Jun. 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.
P N Gadgil Jewellers Ltd offers a wide range of precious metal/jewellery products including gold, silver, platinum and diamond jewellery, across various price points and designs which cover the needs of its customers and include collections that are specifically designed for special occasions, such as weddings, engagements, anniversaries and festivals, as well as everyday wear jewellery. The company's products are sold under its flagship brand, PNG, and various sub-brands, through multiple channels, including its approximately 33 retail stores and various online marketplaces, including the website.
45GF Score
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