House of InvestmentsPHS:HI 74 Interest Coverage is 9.54 as of Mar. 2026, which is 162% above its 10-year median of 3.64. GuruFocus rates PHS:HI with a GF Score™ of 74/100 and a GF Value™ of ₱5.70 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 427 Conglomerates companies, House of Investments ranks better than 57.85% 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. House of Investments's
Operating Income
for the
three
months ended in Mar. 2026 was ₱1,305 Mil. House of Investments's Interest Expense for the
three
months ended in Mar. 2026 was ₱-137 Mil.
House of Investments's interest coverage for the quarter that ended in Mar. 2026 was 9.54.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for House of Investments's Interest Coverage or its related term are showing as below:
PHS:HI'
s Interest Coverage Range Over the Past 10 Years
Min: 2.58 Med: 3.64 Max: 8.04
Current: 8.04
PHS:HI's Interest Coverage is ranked better than 57.85% of 427
companies
in the Conglomerates industry
Industry Median: 5.29
vs PHS:HI: 8.04
House of Investments (PHS:HI) 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 .
House of Investments Interest Coverage Related Terms
House of Investments Interest Coverage Historical Data
* Premium members only.
The historical data trend for House of Investments'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 Conglomerates subindustry, House of Investments'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.
House of Investments Interest Coverage vs Conglomerates Industry
For the Conglomerates industry and Industrials sector, House of Investments's Interest Coverage distribution charts can be found below:
* The bar in red indicates where House of Investments's Interest Coverage falls into.
House of Investments 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.
House of Investments (PHS:HI) has a Interest Coverage of 9.54 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on House of Investments and its competitors. This is 162% above median its historical median of 3.64. Over the past decade, House of Investments' Interest Coverage has ranged from 2.58 to 8.04. According to the industry distribution chart, House of Investments ranks #180 out of 427 companies in the Conglomerates industry, placing it in the top 42.2%.
Is House of Investments' Interest Coverage too high?
House of Investments' current Interest Coverage of 9.54 is 162% above median its 10-year median of 3.64. Over the past 10 years, this metric has ranged from a low of 2.58 to a high of 8.04. The Conglomerates industry median Interest Coverage is 5.29. House of Investments' value of 9.54 is 80.3% above this industry median. Based on the distribution chart, House of Investments ranks #180 out of 427 companies in the Conglomerates industry, which is above the industry midpoint. Overall, House of Investments has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does House of Investments' Interest Coverage compare to HON and MMM?
According to the Conglomerates industry distribution chart, House of Investments ranks #180 out of 427 companies for Interest Coverage. This puts House of Investments in the upper half of its industry. The industry median Interest Coverage is 5.29. House of Investments' value of 9.54 is 80.3% above this benchmark. Historically, House of Investments' own Interest Coverage has ranged from 2.58 to 8.04 over the past decade. While the company's 10-year median is 3.64 vs. the industry median of 5.29, House of Investments 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 Conglomerates company?
The median Interest Coverage among Conglomerates companies is 5.29, based on 427 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. House of Investments's current Interest Coverage of 9.54 is 80.3% 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 House of Investments and its competitors. For the Conglomerates industry, the median Interest Coverage is 5.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. House of Investments's current Interest Coverage is 9.54, which is 162% above median its own 10-year median of 3.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is House of Investments stock overvalued right now?
Based on GuruFocus' analysis, House of Investments (PHS:HI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱5.70, compared to a current price of ₱4.60 — trading 19.3% below its estimated fair value. The current Interest Coverage is 9.54, which is 162% above median its 10-year median of 3.64 and 80.3% above the Conglomerates industry median of 5.29. House of Investments' overall GF Score™ is 74/100 with 4 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 House of Investments (PHS:HI), the current Interest Coverage is 9.54 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 House of Investments (PHS:HI) Overvalued in 2026?
Based on GuruFocus' analysis, House of Investments stock appears to be undervalued.
The current stock price of ₱4.60 is trading 19.3% below its estimated GF Value™ of ₱5.70.
GuruFocus considers House of Investments to be Modestly Undervalued.
Key valuation signals for PHS:HI:
Interest Coverage: 9.54 (162% above median its 10-year median of 3.64)
GF Value™: ₱5.70 vs. price of ₱4.60 (19.3% below fair value)
Industry Position: 80.3% above the Conglomerates median (#180 of 427)
No single metric tells the full story. See the PHS:HI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
House of Investments Inc is an investment holding and management company. The investments of the company are organized into four segments: Financial Services consists of non-life and life insurance arm of the Group and trust and asset management, Property and Property Services represents property and project management services of the Group, Education consists of revenues from IPO and subsidiaries in education and other related support services, and Automotive represents automotive dealerships of the Group, and other services segment consists of other support services. The company's portfolio investments are in Energy, Healthcare, Deathcare and Construction.
74GF Score
Get the complete analysis for PHS:HI
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:HI has been successfully added to your 
