Puregold Price ClubPHS:PGOLD -0.36%98 Interest Coverage is 3.93 as of Mar. 2026, which is 2% below its 10-year median of 4.00. GuruFocus rates PHS:PGOLD with a GF Score™ of 98/100 and a GF Value™ of ₱37.18 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 827 Retail - Cyclical companies, Puregold Price Club ranks worse than 70.13% 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. Puregold Price Club's
Operating Income
for the
three
months ended in Mar. 2026 was ₱3,978 Mil. Puregold Price Club's Interest Expense for the
three
months ended in Mar. 2026 was ₱-1,012 Mil.
Puregold Price Club's interest coverage for the quarter that ended in Mar. 2026 was 3.93.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Puregold Price Club's Interest Coverage or its related term are showing as below:
PHS:PGOLD'
s Interest Coverage Range Over the Past 10 Years
Min: 3.21 Med: 4 Max: 55.99
Current: 3.54
PHS:PGOLD's Interest Coverage is ranked worse than 70.13% of 827
companies
in the Retail - Cyclical industry
Industry Median: 7.91
vs PHS:PGOLD: 3.54
Puregold Price Club (PHS:PGOLD) 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 .
Puregold Price Club Interest Coverage Related Terms
Puregold Price Club Interest Coverage Historical Data
* Premium members only.
The historical data trend for Puregold Price Club'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 Department Stores subindustry, Puregold Price Club'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.
Puregold Price Club Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Puregold Price Club's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Puregold Price Club'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.
Puregold Price Club (PHS:PGOLD) has a Interest Coverage of 3.93 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Puregold Price Club and its competitors. This is near median its historical median of 4.00. Over the past decade, Puregold Price Club's Interest Coverage has ranged from 3.21 to 55.99. According to the industry distribution chart, Puregold Price Club ranks #580 out of 827 companies in the Retail - Cyclical industry, placing it in the top 70.1%.
Is Puregold Price Club's Interest Coverage too high?
Puregold Price Club's current Interest Coverage of 3.93 is near median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 3.21 to a high of 55.99. The Retail - Cyclical industry median Interest Coverage is 7.91. Puregold Price Club's value of 3.93 is 50.3% below this industry median. Based on the distribution chart, Puregold Price Club ranks #580 out of 827 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Puregold Price Club has a GF Score™ of 98/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Puregold Price Club's Interest Coverage compare to DDS and M?
According to the Retail - Cyclical industry distribution chart, Puregold Price Club ranks #580 out of 827 companies for Interest Coverage. This places Puregold Price Club in the lower half of its industry. The industry median Interest Coverage is 7.91. Puregold Price Club's value of 3.93 is 50.3% below this benchmark. Historically, Puregold Price Club's own Interest Coverage has ranged from 3.21 to 55.99 over the past decade. While the company's 10-year median is 4.00 vs. the industry median of 7.91, Puregold Price Club 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 - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.91, based on 827 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. Puregold Price Club's current Interest Coverage of 3.93 is 50.3% 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 Puregold Price Club and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Puregold Price Club's current Interest Coverage is 3.93, which is near median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Puregold Price Club stock overvalued right now?
Based on GuruFocus' analysis, Puregold Price Club (PHS:PGOLD) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱37.18, compared to a current price of ₱41.40 — trading 11.4% above its estimated fair value. The current Interest Coverage is 3.93, which is near median its 10-year median of 4.00 and 50.3% below the Retail - Cyclical industry median of 7.91. Puregold Price Club's overall GF Score™ is 98/100 with 2 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 Puregold Price Club (PHS:PGOLD), the current Interest Coverage is 3.93 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 Puregold Price Club (PHS:PGOLD) Overvalued in 2026?
Based on GuruFocus' analysis, Puregold Price Club stock appears to be overvalued.
The current stock price of ₱41.40 is trading 11.4% above its estimated GF Value™ of ₱37.18.
GuruFocus considers Puregold Price Club to be Modestly Overvalued.
Key valuation signals for PHS:PGOLD:
Interest Coverage: 3.93 (near median its 10-year median of 4.00)
GF Value™: ₱37.18 vs. price of ₱41.40 (11.4% above fair value)
Industry Position: 50.3% below the Retail - Cyclical median (#580 of 827)
No single metric tells the full story. See the PHS:PGOLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Puregold Price Club Inc is involved in the business of trading goods such as consumer products (canned goods, housewares, toiletries, dry goods, food products, pharmaceutical and medical goods) on a wholesale and retail basis. The stores are classified as Hypermarkets, Supermarkets, Extras, Membership Warehouses, Quick-Service Restaurants, and Mini-marts. Hypermarkets offer a wide variety of food and non-food products. Supermarkets offer a higher proportion of food to non-food products. Mini-marts serve as a community store, selling fast-moving essential goods to high-density neighborhoods.
98GF Score
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