MerryMart ConsumerPHS:MM 77 Interest Coverage is 2.59 as of Mar. 2026, which is 54% below its 10-year median of 5.69. GuruFocus rates PHS:MM with a GF Score™ of 77/100 and a GF Value™ of ₱1.11 (Possible Value Trap). The stock has 9 warning signs investors should review. Among 254 Retail - Defensive companies, MerryMart Consumer ranks worse than 87.4% 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. MerryMart Consumer's
Operating Income
for the
three
months ended in Mar. 2026 was ₱15 Mil. MerryMart Consumer's Interest Expense for the
three
months ended in Mar. 2026 was ₱-6 Mil.
MerryMart Consumer's interest coverage for the quarter that ended in Mar. 2026 was 2.59.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for MerryMart Consumer's Interest Coverage or its related term are showing as below:
PHS:MM'
s Interest Coverage Range Over the Past 10 Years
Min: 1.89 Med: 5.69 Max: No Debt
Current: 1.99
PHS:MM's Interest Coverage is ranked worse than 87.4% of 254
companies
in the Retail - Defensive industry
Industry Median: 9.065
vs PHS:MM: 1.99
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 .
MerryMart Consumer Interest Coverage Related Terms
MerryMart Consumer Interest Coverage Historical Data
* Premium members only.
The historical data trend for MerryMart Consumer'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:MM vs KR, SFM, ACI: Interest Coverage Comparison
For the Grocery Stores subindustry, MerryMart Consumer'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.
MerryMart Consumer Interest Coverage vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, MerryMart Consumer's Interest Coverage distribution charts can be found below:
* The bar in red indicates where MerryMart Consumer'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.
MerryMart Consumer (PHS:MM) has a Interest Coverage of 2.59 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on MerryMart Consumer and its competitors. This is 54% below median its historical median of 5.69. Over the past decade, MerryMart Consumer's Interest Coverage has ranged from 1.89 to 10,000.00. According to the industry distribution chart, MerryMart Consumer ranks #222 out of 254 companies in the Retail - Defensive industry, placing it in the top 87.4%.
Is MerryMart Consumer's Interest Coverage too high?
MerryMart Consumer's current Interest Coverage of 2.59 is 54% below median its 10-year median of 5.69. Over the past 10 years, this metric has ranged from a low of 1.89 to a high of 10,000.00. The Retail - Defensive industry median Interest Coverage is 9.07. MerryMart Consumer's value of 2.59 is 71.4% below this industry median. Based on the distribution chart, MerryMart Consumer ranks #222 out of 254 companies in the Retail - Defensive industry, which is in the bottom quartile relative to peers. Overall, MerryMart Consumer has a GF Score™ of 77/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does MerryMart Consumer's Interest Coverage compare to KR and SFM?
According to the Retail - Defensive industry distribution chart, MerryMart Consumer ranks #222 out of 254 companies for Interest Coverage. This places MerryMart Consumer in the lower half of its industry. The industry median Interest Coverage is 9.07. MerryMart Consumer's value of 2.59 is 71.4% below this benchmark. Historically, MerryMart Consumer's own Interest Coverage has ranged from 1.89 to 10,000.00 over the past decade. While the company's 10-year median is 5.69 vs. the industry median of 9.07, MerryMart Consumer 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 Retail - Defensive company?
The median Interest Coverage among Retail - Defensive companies is 9.07, based on 254 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. MerryMart Consumer's current Interest Coverage of 2.59 is 71.4% 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 MerryMart Consumer and its competitors. For the Retail - Defensive industry, the median Interest Coverage is 9.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MerryMart Consumer's current Interest Coverage is 2.59, which is 54% below median its own 10-year median of 5.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MerryMart Consumer stock overvalued right now?
Based on GuruFocus' analysis, MerryMart Consumer (PHS:MM) is currently considered Possible Value Trap. The stock's GF Value™ is ₱1.11, compared to a current price of ₱0.44 — trading 60.8% below its estimated fair value. The current Interest Coverage is 2.59, which is 54% below median its 10-year median of 5.69 and 71.4% below the Retail - Defensive industry median of 9.07. MerryMart Consumer's overall GF Score™ is 77/100 with 9 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 MerryMart Consumer (PHS:MM), the current Interest Coverage is 2.59 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 MerryMart Consumer (PHS:MM) Overvalued in 2026?
Based on GuruFocus' analysis, MerryMart Consumer stock appears to be undervalued.
The current stock price of ₱0.44 is trading 60.8% below its estimated GF Value™ of ₱1.11.
GuruFocus considers MerryMart Consumer to be Possible Value Trap.
Key valuation signals for PHS:MM:
Interest Coverage: 2.59 (54% below median its 10-year median of 5.69)
GF Value™: ₱1.11 vs. price of ₱0.44 (60.8% below fair value)
Industry Position: 71.4% below the Retail - Defensive median (#222 of 254)
No single metric tells the full story. See the PHS:MM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MerryMart Consumer Corp is an emerging consumer-focused retail company. It is engaged in the operation of retail stores in the supermarket and household essentials category. It operates through Four divisions namely, MerryMart Grocery; MerryMart Market; and MerryMart Store, MerryMart Wholesale. It generates revenues from trading and selling goods and consumer products on a wholesale or retail basis.
77GF Score
Get the complete analysis for PHS:MM
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