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Philippine SevenPHS:SEVN -1.16%82 Interest Coverage is 3.88 as of Mar. 2026, which is 28% below its 10-year median of 5.38. GuruFocus rates PHS:SEVN with a GF Score™ of 82/100 and a GF Value™ of ₱54.17 (Significantly Undervalued). Among 254 Retail - Defensive companies, Philippine Seven ranks worse than 65.75% 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. Philippine Seven's
Operating Income
for the
three
months ended in Mar. 2026 was ₱1,049 Mil. Philippine Seven's Interest Expense for the
three
months ended in Mar. 2026 was ₱-271 Mil.
Philippine Seven's interest coverage for the quarter that ended in Mar. 2026 was 3.88.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Philippine Seven's Interest Coverage or its related term are showing as below:
PHS:SEVN'
s Interest Coverage Range Over the Past 10 Years
Min: 0.34 Med: 5.38 Max: 36
Current: 4.89
PHS:SEVN's Interest Coverage is ranked worse than 65.75% of 254
companies
in the Retail - Defensive industry
Industry Median: 8.795
vs PHS:SEVN: 4.89
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 .
Philippine Seven Interest Coverage Related Terms
Philippine Seven Interest Coverage Historical Data
* Premium members only.
The historical data trend for Philippine Seven'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 Grocery Stores subindustry, Philippine Seven'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.
Philippine Seven Interest Coverage vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, Philippine Seven's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Philippine Seven'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.
Philippine Seven (PHS:SEVN) has a Interest Coverage of 3.88 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Philippine Seven and its competitors. This is 28% below median its historical median of 5.38. Over the past decade, Philippine Seven's Interest Coverage has ranged from 0.34 to 36.00. According to the industry distribution chart, Philippine Seven ranks #167 out of 254 companies in the Retail - Defensive industry, placing it in the top 65.7%.
Is Philippine Seven's Interest Coverage too high?
Philippine Seven's current Interest Coverage of 3.88 is 28% below median its 10-year median of 5.38. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 36.00. The Retail - Defensive industry median Interest Coverage is 8.80. Philippine Seven's value of 3.88 is 55.9% below this industry median. Based on the distribution chart, Philippine Seven ranks #167 out of 254 companies in the Retail - Defensive industry, which is below the industry midpoint. Overall, Philippine Seven has a GF Score™ of 82/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Seven's Interest Coverage compare to KR and SFM?
According to the Retail - Defensive industry distribution chart, Philippine Seven ranks #167 out of 254 companies for Interest Coverage. This places Philippine Seven in the lower half of its industry. The industry median Interest Coverage is 8.80. Philippine Seven's value of 3.88 is 55.9% below this benchmark. Historically, Philippine Seven's own Interest Coverage has ranged from 0.34 to 36.00 over the past decade. While the company's 10-year median is 5.38 vs. the industry median of 8.80, Philippine Seven 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 8.80, 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. Philippine Seven's current Interest Coverage of 3.88 is 55.9% 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 Philippine Seven and its competitors. For the Retail - Defensive industry, the median Interest Coverage is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Seven's current Interest Coverage is 3.88, which is 28% below median its own 10-year median of 5.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Seven stock overvalued right now?
Based on GuruFocus' analysis, Philippine Seven (PHS:SEVN) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱54.17, compared to a current price of ₱34.10 — trading 37.1% below its estimated fair value. The current Interest Coverage is 3.88, which is 28% below median its 10-year median of 5.38 and 55.9% below the Retail - Defensive industry median of 8.80. Philippine Seven's overall GF Score™ is 82/100. 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 Philippine Seven (PHS:SEVN), the current Interest Coverage is 3.88 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 Philippine Seven (PHS:SEVN) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Seven stock appears to be undervalued.
The current stock price of ₱34.10 is trading 37.1% below its estimated GF Value™ of ₱54.17.
GuruFocus considers Philippine Seven to be Significantly Undervalued.
Key valuation signals for PHS:SEVN:
Interest Coverage: 3.88 (28% below median its 10-year median of 5.38)
GF Value™: ₱54.17 vs. price of ₱34.10 (37.1% below fair value)
Industry Position: 55.9% below the Retail - Defensive median (#167 of 254)
No single metric tells the full story. See the PHS:SEVN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Seven Corp and its subsidiaries are engaged in retailing, merchandising, buying, selling, marketing, importing, exporting, franchising, acquiring, holding, distributing, warehousing, trading, exchanging, and handling payments for grocery items, dry goods, food products, beverages, and other consumer goods, along with operating warehouses, storage, delivery vehicles, and related facilities. The group is also involved in the management, development, sale, exchange, and holding of real estate, including buildings, houses, apartments, and other structures. Its revenues are derived from merchandise sales, franchise revenue, service income, rental income, and interest income. The company operates through a single segment, the store operations segment.
82GF Score
Get the complete analysis for PHS:SEVN
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