Concepcion IndustrialPHS:CIC +0.64%77 Interest Coverage is 20.77 as of Mar. 2026, which is 61% below its 10-year median of 53.59. GuruFocus rates PHS:CIC with a GF Score™ of 77/100 and a GF Value™ of ₱15.09 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,671 Hardware companies, Concepcion Industrial ranks better than 66.79% 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. Concepcion Industrial's
Operating Income
for the
three
months ended in Mar. 2026 was ₱223 Mil. Concepcion Industrial's Interest Expense for the
three
months ended in Mar. 2026 was ₱-11 Mil.
Concepcion Industrial's interest coverage for the quarter that ended in Mar. 2026 was 20.77.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Concepcion Industrial's Interest Coverage or its related term are showing as below:
PHS:CIC'
s Interest Coverage Range Over the Past 10 Years
Min: 22.77 Med: 53.59 Max: 3258.42
Current: 35.23
PHS:CIC's Interest Coverage is ranked better than 66.79% of 1671
companies
in the Hardware industry
Industry Median: 13.79
vs PHS:CIC: 35.23
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 .
Concepcion Industrial Interest Coverage Related Terms
Concepcion Industrial Interest Coverage Historical Data
* Premium members only.
The historical data trend for Concepcion Industrial'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 Consumer Electronics subindustry, Concepcion Industrial'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.
Concepcion Industrial Interest Coverage vs Hardware Industry
For the Hardware industry and Technology sector, Concepcion Industrial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Concepcion Industrial'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.
Concepcion Industrial (PHS:CIC) has a Interest Coverage of 20.77 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Concepcion Industrial and its competitors. This is 61% below median its historical median of 53.59. Over the past decade, Concepcion Industrial's Interest Coverage has ranged from 22.77 to 3,258.42. According to the industry distribution chart, Concepcion Industrial ranks #555 out of 1671 companies in the Hardware industry, placing it in the top 33.2%.
Is Concepcion Industrial's Interest Coverage too high?
Concepcion Industrial's current Interest Coverage of 20.77 is 61% below median its 10-year median of 53.59. Over the past 10 years, this metric has ranged from a low of 22.77 to a high of 3,258.42. The Hardware industry median Interest Coverage is 13.79. Concepcion Industrial's value of 20.77 is 50.6% above this industry median. Based on the distribution chart, Concepcion Industrial ranks #555 out of 1671 companies in the Hardware industry, which is above the industry midpoint. Overall, Concepcion Industrial has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Concepcion Industrial's Interest Coverage compare to AAPL?
According to the Hardware industry distribution chart, Concepcion Industrial ranks #555 out of 1671 companies for Interest Coverage. This puts Concepcion Industrial in the upper half of its industry. The industry median Interest Coverage is 13.79. Concepcion Industrial's value of 20.77 is 50.6% above this benchmark. Historically, Concepcion Industrial's own Interest Coverage has ranged from 22.77 to 3,258.42 over the past decade. While the company's 10-year median is 53.59 vs. the industry median of 13.79, Concepcion Industrial has consistently been above 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 Hardware company?
The median Interest Coverage among Hardware companies is 13.79, based on 1,671 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. Concepcion Industrial's current Interest Coverage of 20.77 is 50.6% above 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 Concepcion Industrial and its competitors. For the Hardware industry, the median Interest Coverage is 13.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Concepcion Industrial's current Interest Coverage is 20.77, which is 61% below median its own 10-year median of 53.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Concepcion Industrial stock overvalued right now?
Based on GuruFocus' analysis, Concepcion Industrial (PHS:CIC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱15.09, compared to a current price of ₱12.58 — trading 16.6% below its estimated fair value. The current Interest Coverage is 20.77, which is 61% below median its 10-year median of 53.59 and 50.6% above the Hardware industry median of 13.79. Concepcion Industrial's overall GF Score™ is 77/100 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 Concepcion Industrial (PHS:CIC), the current Interest Coverage is 20.77 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 Concepcion Industrial (PHS:CIC) Overvalued in 2026?
Based on GuruFocus' analysis, Concepcion Industrial stock appears to be undervalued.
The current stock price of ₱12.58 is trading 16.6% below its estimated GF Value™ of ₱15.09.
GuruFocus considers Concepcion Industrial to be Modestly Undervalued.
Key valuation signals for PHS:CIC:
Interest Coverage: 20.77 (61% below median its 10-year median of 53.59)
GF Value™: ₱15.09 vs. price of ₱12.58 (16.6% below fair value)
Industry Position: 50.6% above the Hardware median (#555 of 1671)
No single metric tells the full story. See the PHS:CIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Concepcion Industrial Corp, through its subsidiaries, is engaged in supplying residential and commercial solutions, such as air conditioning equipment, refrigerators, laundry, kitchen and small domestic appliances, and elevators and escalators. The segments of the group are consumer business, commercial business, and Others. Key revenue is generated from Consumer business segment which include products and related services include HVAC for consumer use, domestic refrigeration products, laundry, kitchen and small domestic appliances. The company generates revenues from sales of its air conditioning units and refrigeration units through its subsidiaries CCAC and CDI.
77GF Score
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