PhreesiaPHR +6.30%65 Interest Coverage is 2.94 as of Apr. 2026. GuruFocus rates PHR with a GF Score™ of 65/100 and a GF Value™ of $26.97 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 453 Healthcare Providers & Services companies, Phreesia ranks worse than 97.57% 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. Phreesia's
Operating Income
for the
three
months ended in Apr. 2026 was $6.7 Mil. Phreesia's Interest Expense for the
three
months ended in Apr. 2026 was $-2.3 Mil.
Phreesia's interest coverage for the quarter that ended in Apr. 2026 was 2.94.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Phreesia's Interest Coverage or its related term are showing as below:
PHR'
s Interest Coverage Range Over the Past 10 Years
Min: 0 Med: 0 Max: 0.39
Current: 0.39
PHR's Interest Coverage is ranked worse than 97.57% of 453
companies
in the Healthcare Providers & Services industry
Industry Median: 7.98
vs PHR: 0.39
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 .
Phreesia Interest Coverage Related Terms
Phreesia Interest Coverage Historical Data
* Premium members only.
The historical data trend for Phreesia'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.
PHR vs HSTM, WEAV, EVH: Interest Coverage Comparison
For the Health Information Services subindustry, Phreesia'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.
Phreesia Interest Coverage vs Healthcare Providers & Services Industry
For the Healthcare Providers & Services industry and Healthcare sector, Phreesia's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Phreesia'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.
Phreesia (PHR) has a Interest Coverage of 2.94 as of Apr. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Phreesia and its competitors. According to the industry distribution chart, Phreesia ranks #442 out of 453 companies in the Healthcare Providers & Services industry, placing it in the top 97.6%.
Is Phreesia's Interest Coverage too high?
Phreesia's current Interest Coverage is 2.94. The Healthcare Providers & Services industry median Interest Coverage is 7.98. Phreesia's value of 2.94 is 63.2% below this industry median. Based on the distribution chart, Phreesia ranks #442 out of 453 companies in the Healthcare Providers & Services industry, which is in the bottom quartile relative to peers. Overall, Phreesia has a GF Score™ of 65/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Phreesia's Interest Coverage compare to HSTM and WEAV?
According to the Healthcare Providers & Services industry distribution chart, Phreesia ranks #442 out of 453 companies for Interest Coverage. This places Phreesia in the lower half of its industry. The industry median Interest Coverage is 7.98. Phreesia's value of 2.94 is 63.2% below this benchmark. 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 Healthcare Providers & Services company?
The median Interest Coverage among Healthcare Providers & Services companies is 7.98, based on 453 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. Phreesia's current Interest Coverage of 2.94 is 63.2% 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 Phreesia and its competitors. For the Healthcare Providers & Services industry, the median Interest Coverage is 7.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phreesia's current Interest Coverage is 2.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phreesia stock overvalued right now?
Based on GuruFocus' analysis, Phreesia (PHR) is currently considered Possible Value Trap. The stock's GF Value™ is $26.97, compared to a current price of $9.71 — trading 64% below its estimated fair value. The current Interest Coverage is 2.94 and 63.2% below the Healthcare Providers & Services industry median of 7.98. Phreesia's overall GF Score™ is 65/100 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 Phreesia (PHR), the current Interest Coverage is 2.94 as of Apr. 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 Phreesia (PHR) Overvalued in 2026?
Based on GuruFocus' analysis, Phreesia stock appears to be undervalued.
The current stock price of $9.71 is trading 64% below its estimated GF Value™ of $26.97.
GuruFocus considers Phreesia to be Possible Value Trap.
Key valuation signals for PHR:
Interest Coverage: 2.94
GF Value™: $26.97 vs. price of $9.71 (64% below fair value)
Industry Position: 63.2% below the Healthcare Providers & Services median (#442 of 453)
No single metric tells the full story. See the PHR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phreesia Inc is a provides an integrated software, payments, and engagement platform designed to address three foundational challenges in healthcare delivery: access to care, affordability of care, and patient health outcomes. Its platform is embedded directly into provider workflows and patient interactions, enabling healthcare organizations to activate patients, streamline administrative processes, and improve financial performance across the care continuum. The group serves a diverse group of healthcare organizations, including ambulatory practices, health systems, and hospitals, as well as life sciences companies, government entities, patient advocacy, public interest, and not-for-profit and other organizations.
65GF Score
Get the complete analysis for PHR
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