STI Education Systems HoldingsPHS:STI -0.83%98 Interest Coverage is 13.58 as of Mar. 2026, which is 267% above its 10-year median of 3.70. GuruFocus rates PHS:STI with a GF Score™ of 98/100 and a GF Value™ of ₱1.36 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 194 Education companies, STI Education Systems Holdings ranks worse than 53.61% 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. STI Education Systems Holdings's
Operating Income
for the
three
months ended in Mar. 2026 was ₱591 Mil. STI Education Systems Holdings's Interest Expense for the
three
months ended in Mar. 2026 was ₱-44 Mil.
STI Education Systems Holdings's interest coverage for the quarter that ended in Mar. 2026 was 13.58.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for STI Education Systems Holdings's Interest Coverage or its related term are showing as below:
PHS:STI'
s Interest Coverage Range Over the Past 10 Years
Min: 0.92 Med: 3.7 Max: 12.57
Current: 11.38
PHS:STI's Interest Coverage is ranked worse than 53.61% of 194
companies
in the Education industry
Industry Median: 13.39
vs PHS:STI: 11.38
STI Education Systems Holdings (PHS:STI) 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 .
STI Education Systems Holdings Interest Coverage Related Terms
STI Education Systems Holdings Interest Coverage Historical 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.
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.
STI Education Systems Holdings Interest Coverage Chart
PHS:STI vs EDU, TAL, LAUR: Interest Coverage Comparison
For the Education & Training Services subindustry, STI Education Systems Holdings'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.
STI Education Systems Holdings Interest Coverage vs Education Industry
For the Education industry and Consumer Defensive sector, STI Education Systems Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where STI Education Systems Holdings's Interest Coverage falls into.
STI Education Systems Holdings 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.
STI Education Systems Holdings (PHS:STI) has a Interest Coverage of 13.58 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on STI Education Systems Holdings and its competitors. This is 267% above median its historical median of 3.70. Over the past decade, STI Education Systems Holdings' Interest Coverage has ranged from 0.92 to 12.57. According to the industry distribution chart, STI Education Systems Holdings ranks #104 out of 194 companies in the Education industry, placing it in the top 53.6%.
Is STI Education Systems Holdings' Interest Coverage too high?
STI Education Systems Holdings' current Interest Coverage of 13.58 is 267% above median its 10-year median of 3.70. Over the past 10 years, this metric has ranged from a low of 0.92 to a high of 12.57. The Education industry median Interest Coverage is 13.39. STI Education Systems Holdings' value of 13.58 is 1.4% above this industry median. Based on the distribution chart, STI Education Systems Holdings ranks #104 out of 194 companies in the Education industry, which is below the industry midpoint. Overall, STI Education Systems Holdings has a GF Score™ of 98/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does STI Education Systems Holdings' Interest Coverage compare to EDU and TAL?
According to the Education industry distribution chart, STI Education Systems Holdings ranks #104 out of 194 companies for Interest Coverage. This places STI Education Systems Holdings in the lower half of its industry. The industry median Interest Coverage is 13.39. STI Education Systems Holdings' value of 13.58 is 1.4% above this benchmark. Historically, STI Education Systems Holdings' own Interest Coverage has ranged from 0.92 to 12.57 over the past decade. While the company's 10-year median is 3.70 vs. the industry median of 13.39, STI Education Systems Holdings has consistently been above 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 an Education company?
The median Interest Coverage among Education companies is 13.39, based on 194 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. STI Education Systems Holdings's current Interest Coverage of 13.58 is 1.4% above 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 STI Education Systems Holdings and its competitors. For the Education industry, the median Interest Coverage is 13.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. STI Education Systems Holdings's current Interest Coverage is 13.58, which is 267% above median its own 10-year median of 3.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is STI Education Systems Holdings stock overvalued right now?
Based on GuruFocus' analysis, STI Education Systems Holdings (PHS:STI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱1.36, compared to a current price of ₱1.20 — trading 11.8% below its estimated fair value. The current Interest Coverage is 13.58, which is 267% above median its 10-year median of 3.70 and 1.4% above the Education industry median of 13.39. STI Education Systems Holdings' overall GF Score™ is 98/100 with 1 warning sign 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 STI Education Systems Holdings (PHS:STI), the current Interest Coverage is 13.58 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 STI Education Systems Holdings (PHS:STI) Overvalued in 2026?
Based on GuruFocus' analysis, STI Education Systems Holdings stock appears to be undervalued.
The current stock price of ₱1.20 is trading 11.8% below its estimated GF Value™ of ₱1.36.
GuruFocus considers STI Education Systems Holdings to be Modestly Undervalued.
Key valuation signals for PHS:STI:
Interest Coverage: 13.58 (267% above median its 10-year median of 3.70)
GF Value™: ₱1.36 vs. price of ₱1.20 (11.8% below fair value)
Industry Position: 1.4% above the Education median (#104 of 194)
No single metric tells the full story. See the PHS:STI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
STI Education Systems Holdings Business Description
STI Education Systems Holdings Inc is a Philippine investment holding company focused on education and education-related activities through subsidiaries that operate schools offering basic education, Senior High School, tertiary, post-graduate, and non-degree programs. The majority of its revenues come from educational services provided over time. It is organized into five geographical segments: Metro Manila, Northern Luzon, Southern Luzon, Visayas, and Mindanao, with the majority of revenue coming from Metro Manila.
98GF Score
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