PhiniaPHIN -0.22%76 Interest Coverage is 3.75 as of Mar. 2026, which is 25% below its 10-year median of 4.98. GuruFocus rates PHIN with a GF Score™ of 76/100 and a GF Value™ of $54.86 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,066 Vehicles & Parts companies, Phinia ranks worse than 65.85% 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. Phinia's
Operating Income
for the
three
months ended in Mar. 2026 was $75 Mil. Phinia's Interest Expense for the
three
months ended in Mar. 2026 was $-20 Mil.
Phinia's interest coverage for the quarter that ended in Mar. 2026 was 3.75.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Phinia's Interest Coverage or its related term are showing as below:
PHIN'
s Interest Coverage Range Over the Past 10 Years
Min: 2.12 Med: 4.98 Max: 18.35
Current: 4.02
PHIN's Interest Coverage is ranked worse than 65.85% of 1066
companies
in the Vehicles & Parts industry
Industry Median: 8.295
vs PHIN: 4.02
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 .
Phinia Interest Coverage Related Terms
Phinia Interest Coverage Historical Data
* Premium members only.
The historical data trend for Phinia'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.
PHIN vs HSAI, VGNT, VC: Interest Coverage Comparison
For the Auto Parts subindustry, Phinia'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.
Phinia Interest Coverage vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, Phinia's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Phinia'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.
Phinia (PHIN) has a Interest Coverage of 3.75 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Phinia and its competitors. This is 25% below median its historical median of 4.98. Over the past decade, Phinia's Interest Coverage has ranged from 2.12 to 18.35. According to the industry distribution chart, Phinia ranks #702 out of 1066 companies in the Vehicles & Parts industry, placing it in the top 65.9%.
Is Phinia's Interest Coverage too high?
Phinia's current Interest Coverage of 3.75 is 25% below median its 10-year median of 4.98. Over the past 10 years, this metric has ranged from a low of 2.12 to a high of 18.35. The Vehicles & Parts industry median Interest Coverage is 8.30. Phinia's value of 3.75 is 54.8% below this industry median. Based on the distribution chart, Phinia ranks #702 out of 1066 companies in the Vehicles & Parts industry, which is below the industry midpoint. Overall, Phinia has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Phinia's Interest Coverage compare to HSAI and VGNT?
According to the Vehicles & Parts industry distribution chart, Phinia ranks #702 out of 1066 companies for Interest Coverage. This places Phinia in the lower half of its industry. The industry median Interest Coverage is 8.30. Phinia's value of 3.75 is 54.8% below this benchmark. Historically, Phinia's own Interest Coverage has ranged from 2.12 to 18.35 over the past decade. While the company's 10-year median is 4.98 vs. the industry median of 8.30, Phinia 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 Vehicles & Parts company?
The median Interest Coverage among Vehicles & Parts companies is 8.30, based on 1,066 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. Phinia's current Interest Coverage of 3.75 is 54.8% 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 Phinia and its competitors. For the Vehicles & Parts industry, the median Interest Coverage is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phinia's current Interest Coverage is 3.75, which is 25% below median its own 10-year median of 4.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phinia stock overvalued right now?
Based on GuruFocus' analysis, Phinia (PHIN) is currently considered Significantly Overvalued. The stock's GF Value™ is $54.86, compared to a current price of $84.82 — trading 54.6% above its estimated fair value. The current Interest Coverage is 3.75, which is 25% below median its 10-year median of 4.98 and 54.8% below the Vehicles & Parts industry median of 8.30. Phinia's overall GF Score™ is 76/100 with 8 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 Phinia (PHIN), the current Interest Coverage is 3.75 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 Phinia (PHIN) Overvalued in 2026?
Based on GuruFocus' analysis, Phinia stock appears to be overvalued.
The current stock price of $84.82 is trading 54.6% above its estimated GF Value™ of $54.86.
GuruFocus considers Phinia to be Significantly Overvalued.
Key valuation signals for PHIN:
Interest Coverage: 3.75 (25% below median its 10-year median of 4.98)
GF Value™: $54.86 vs. price of $84.82 (54.6% above fair value)
Industry Position: 54.8% below the Vehicles & Parts median (#702 of 1066)
No single metric tells the full story. See the PHIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phinia Inc is engaged in the development, design, and manufacture of integrated components and systems that optimize performance, increase efficiency, and reduce emissions in combustion and hybrid propulsion for commercial vehicles, industrial applications, and light vehicles. Its product portfolio includes alternative fuel systems, fuel delivery modules, evaporative canisters, diesel fuel injection systems, electrical systems, hydrogen solutions, associated software, and others. The company's reportable segments are; the Fuel Systems segment, which derives key revenue, and the Aftermarket segment. Geographically, it generates maximum revenue from the United States and the rest from the United Kingdom, China, Poland, Romania, Brazil, and other regions.
76GF Score
Get the complete analysis for PHIN
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