Pacific Online SystemsPHS:LOTO 58 Interest Coverage is 3.45 as of Mar. 2026, which is 93% below its 10-year median of 46.87. GuruFocus rates PHS:LOTO with a GF Score™ of 58/100 and a GF Value™ of ₱3.10 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 609 Travel & Leisure companies, Pacific Online Systems ranks worse than 87.85% 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. Pacific Online Systems's
Operating Income
for the
three
months ended in Mar. 2026 was ₱13.7 Mil. Pacific Online Systems's Interest Expense for the
three
months ended in Mar. 2026 was ₱-4.0 Mil.
Pacific Online Systems's interest coverage for the quarter that ended in Mar. 2026 was 3.45.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Pacific Online Systems's Interest Coverage or its related term are showing as below:
PHS:LOTO'
s Interest Coverage Range Over the Past 10 Years
Min: 1.03 Med: 46.87 Max: 871.57
Current: 1.11
PHS:LOTO's Interest Coverage is ranked worse than 87.85% of 609
companies
in the Travel & Leisure industry
Industry Median: 5.31
vs PHS:LOTO: 1.11
Pacific Online Systems (PHS:LOTO) 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 .
Pacific Online Systems Interest Coverage Related Terms
Pacific Online Systems Interest Coverage Historical Data
* Premium members only.
The historical data trend for Pacific Online Systems'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.
PHS:LOTO vs FLUT, DKNG, LNWO: Interest Coverage Comparison
For the Gambling subindustry, Pacific Online Systems'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.
Pacific Online Systems Interest Coverage vs Travel & Leisure Industry
For the Travel & Leisure industry and Consumer Cyclical sector, Pacific Online Systems's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Pacific Online Systems's Interest Coverage falls into.
Pacific Online Systems 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.
Pacific Online Systems (PHS:LOTO) has a Interest Coverage of 3.45 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Pacific Online Systems and its competitors. This is 93% below median its historical median of 46.87. Over the past decade, Pacific Online Systems' Interest Coverage has ranged from 1.03 to 871.57. According to the industry distribution chart, Pacific Online Systems ranks #535 out of 609 companies in the Travel & Leisure industry, placing it in the top 87.8%.
Is Pacific Online Systems' Interest Coverage too high?
Pacific Online Systems' current Interest Coverage of 3.45 is 93% below median its 10-year median of 46.87. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 871.57. The Travel & Leisure industry median Interest Coverage is 5.31. Pacific Online Systems' value of 3.45 is 35% below this industry median. Based on the distribution chart, Pacific Online Systems ranks #535 out of 609 companies in the Travel & Leisure industry, which is in the bottom quartile relative to peers. Overall, Pacific Online Systems has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Pacific Online Systems' Interest Coverage compare to FLUT and DKNG?
According to the Travel & Leisure industry distribution chart, Pacific Online Systems ranks #535 out of 609 companies for Interest Coverage. This places Pacific Online Systems in the lower half of its industry. The industry median Interest Coverage is 5.31. Pacific Online Systems' value of 3.45 is 35% below this benchmark. Historically, Pacific Online Systems' own Interest Coverage has ranged from 1.03 to 871.57 over the past decade. While the company's 10-year median is 46.87 vs. the industry median of 5.31, Pacific Online Systems 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 Travel & Leisure company?
The median Interest Coverage among Travel & Leisure companies is 5.31, based on 609 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. Pacific Online Systems's current Interest Coverage of 3.45 is 35% 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 Pacific Online Systems and its competitors. For the Travel & Leisure industry, the median Interest Coverage is 5.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Online Systems's current Interest Coverage is 3.45, which is 93% below median its own 10-year median of 46.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Online Systems stock overvalued right now?
Based on GuruFocus' analysis, Pacific Online Systems (PHS:LOTO) is currently considered Possible Value Trap. The stock's GF Value™ is ₱3.10, compared to a current price of ₱1.78 — trading 42.6% below its estimated fair value. The current Interest Coverage is 3.45, which is 93% below median its 10-year median of 46.87 and 35% below the Travel & Leisure industry median of 5.31. Pacific Online Systems' overall GF Score™ is 58/100 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 Pacific Online Systems (PHS:LOTO), the current Interest Coverage is 3.45 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 Pacific Online Systems (PHS:LOTO) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Online Systems stock appears to be undervalued.
The current stock price of ₱1.78 is trading 42.6% below its estimated GF Value™ of ₱3.10.
GuruFocus considers Pacific Online Systems to be Possible Value Trap.
Key valuation signals for PHS:LOTO:
Interest Coverage: 3.45 (93% below median its 10-year median of 46.87)
GF Value™: ₱3.10 vs. price of ₱1.78 (42.6% below fair value)
Industry Position: 35% below the Travel & Leisure median (#535 of 609)
No single metric tells the full story. See the PHS:LOTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Online Systems Corp is a Philippines-based company operating in the gaming industry. Along with its subsidiaries, the firm is engaged in the development, design, and management of online computer systems, terminals, and software for the gaming industry. It provides leasing of gaming equipment, Keno terminals, an online operating system, and the sale of lottery, sweepstakes, and instant tickets. It also offers consultancy services related to online gaming.
58GF Score
Get the complete analysis for PHS:LOTO
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