Upson InternationalPHS:UPSON 49 Interest Coverage is 2.51 as of Mar. 2026, which is 15% below its 10-year median of 2.94. GuruFocus rates PHS:UPSON with a GF Score™ of 49/100 and a GF Value™ of ₱0.97 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 828 Retail - Cyclical companies, Upson International ranks worse than 84.42% 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. Upson International's
Operating Income
for the
three
months ended in Mar. 2026 was ₱135 Mil. Upson International's Interest Expense for the
three
months ended in Mar. 2026 was ₱-54 Mil.
Upson International's interest coverage for the quarter that ended in Mar. 2026 was 2.51.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Upson International's Interest Coverage or its related term are showing as below:
PHS:UPSON'
s Interest Coverage Range Over the Past 10 Years
Min: 1.48 Med: 2.94 Max: 8.87
Current: 1.89
PHS:UPSON's Interest Coverage is ranked worse than 84.42% of 828
companies
in the Retail - Cyclical industry
Industry Median: 7.915
vs PHS:UPSON: 1.89
Upson International (PHS:UPSON) 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 .
Upson International Interest Coverage Related Terms
Upson International Interest Coverage Historical Data
* Premium members only.
The historical data trend for Upson International'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:UPSON vs CASY, WSM, ULTA: Interest Coverage Comparison
For the Specialty Retail subindustry, Upson International'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.
Upson International Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Upson International's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Upson International'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.
Upson International (PHS:UPSON) has a Interest Coverage of 2.51 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Upson International and its competitors. This is 15% below median its historical median of 2.94. Over the past decade, Upson International's Interest Coverage has ranged from 1.48 to 8.87. According to the industry distribution chart, Upson International ranks #699 out of 828 companies in the Retail - Cyclical industry, placing it in the top 84.4%.
Is Upson International's Interest Coverage too high?
Upson International's current Interest Coverage of 2.51 is 15% below median its 10-year median of 2.94. Over the past 10 years, this metric has ranged from a low of 1.48 to a high of 8.87. The Retail - Cyclical industry median Interest Coverage is 7.92. Upson International's value of 2.51 is 68.3% below this industry median. Based on the distribution chart, Upson International ranks #699 out of 828 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Upson International has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Upson International's Interest Coverage compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Upson International ranks #699 out of 828 companies for Interest Coverage. This places Upson International in the lower half of its industry. The industry median Interest Coverage is 7.92. Upson International's value of 2.51 is 68.3% below this benchmark. Historically, Upson International's own Interest Coverage has ranged from 1.48 to 8.87 over the past decade. While the company's 10-year median is 2.94 vs. the industry median of 7.92, Upson International 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 7.92, based on 828 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. Upson International's current Interest Coverage of 2.51 is 68.3% 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 Upson International and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upson International's current Interest Coverage is 2.51, which is 15% below median its own 10-year median of 2.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upson International stock overvalued right now?
Based on GuruFocus' analysis, Upson International (PHS:UPSON) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱0.97, compared to a current price of ₱0.70 — trading 27.8% below its estimated fair value. The current Interest Coverage is 2.51, which is 15% below median its 10-year median of 2.94 and 68.3% below the Retail - Cyclical industry median of 7.92. Upson International's overall GF Score™ is 49/100 with 4 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 Upson International (PHS:UPSON), the current Interest Coverage is 2.51 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 Upson International (PHS:UPSON) Overvalued in 2026?
Based on GuruFocus' analysis, Upson International stock appears to be undervalued.
The current stock price of ₱0.70 is trading 27.8% below its estimated GF Value™ of ₱0.97.
GuruFocus considers Upson International to be Modestly Undervalued.
Key valuation signals for PHS:UPSON:
Interest Coverage: 2.51 (15% below median its 10-year median of 2.94)
GF Value™: ₱0.97 vs. price of ₱0.70 (27.8% below fair value)
Industry Position: 68.3% below the Retail - Cyclical median (#699 of 828)
No single metric tells the full story. See the PHS:UPSON stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upson International Corp is engaged in the business of buying, selling, distributing, marketing, at wholesale and retail all kinds of goods, commodities, wares and merchandise such as but not limited to computer hardware equipment, telecommunications and other similar products. The company operates in two segments 1) Retail of information and communications technology (ICT) products. and 2) Retail of water filtration and purification devices. Key revenue is generated from ICT Products. The Group operates and generates revenue principally in the Philippines.
49GF Score
Get the complete analysis for PHS:UPSON
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:UPSON has been successfully added to your 
