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. Makati Finance's
Operating Income
for the
three
months ended in Mar. 2026 was ₱0.4 Mil. Makati Finance's Interest Expense for the
three
months ended in Mar. 2026 was ₱0.0 Mil.
GuruFocus does not calculate 's interest coverage with the available data.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Makati Finance's Interest Coverage or its related term are showing as below:
PHS:MFIN's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 47.86 * Ranked among companies with meaningful Interest Coverage only.
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 .
Makati Finance Interest Coverage Related Terms
Makati Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Makati Finance'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:MFIN vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Makati Finance'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.
Makati Finance Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Makati Finance'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:
GuruFocus does not calculate Makati Finance's interest coverage with the available data.
* 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.
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.19 is trading 13.5% above its estimated GF Value™ of ₱1.93.
GuruFocus considers Makati Finance to be Modestly Overvalued.
Key valuation signals for PHS:MFIN:
Interest Coverage: N/A
GF Value™: ₱1.93 vs. price of ₱2.19 (13.5% above fair value)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
58GF Score
Get the complete analysis for PHS:MFIN
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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