Taiwan FamilyMart Co (ROCO:5903) Interest Coverage: 5.32 (As of Jun. 2026) — 41% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ROCO:5903 Taiwan FamilyMart Co Ltd ROCO:5903
78 GF Score
Price NT$184.50
GF Value NT$216.67
Valuation Modestly Undervalued
! 9 Warning Signs
View Full Analysis

What is Taiwan FamilyMart Co Interest Coverage?

Taiwan FamilyMart Co ROCO:5903 -0.27% 78 Interest Coverage is 5.32 as of Jun. 2026, which is 41% below its 10-year median of 9.02. GuruFocus rates ROCO:5903 with a GF Score™ of 78/100 and a GF Value™ of NT$216.67 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 838 Retail - Cyclical companies, Taiwan FamilyMart Co ranks worse than 63.25% 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. Taiwan FamilyMart Co's Operating Income for the three months ended in Jun. 2026 was NT$567 Mil. Taiwan FamilyMart Co's Interest Expense for the three months ended in Jun. 2026 was NT$-107 Mil. Taiwan FamilyMart Co's interest coverage for the quarter that ended in Jun. 2026 was 5.32. The higher the ratio, the stronger the company's financial strength is.

Warning Sign:

Ben Graham prefers companies' interest coverage to be at least 5. Taiwan FamilyMart Co Ltd interest coverage is 4.74, which is low.

The historical rank and industry rank for Taiwan FamilyMart Co's Interest Coverage or its related term are showing as below:

ROCO:5903' s Interest Coverage Range Over the Past 10 Years
Min: 4.74   Med: 9.02   Max: 94.34
Current: 4.74


ROCO:5903's Interest Coverage is ranked worse than
63.25% of 838 companies
in the Retail - Cyclical industry
Industry Median: 7.445 vs ROCO:5903: 4.74

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


Taiwan FamilyMart Co  (ROCO:5903) 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 .


Taiwan FamilyMart Co Interest Coverage Related Terms


Taiwan FamilyMart Co Interest Coverage Historical Data

* Premium members only.

The historical data trend for Taiwan FamilyMart Co'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.

Taiwan FamilyMart Co Interest Coverage Chart

Taiwan FamilyMart Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.92 5.66 6.20 6.06 4.81

Taiwan FamilyMart Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.58 6.06 3.75 2.86 5.32

ROCO:5903 vs DDS, M: Interest Coverage Comparison

For the Department Stores subindustry, Taiwan FamilyMart Co'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.


Taiwan FamilyMart Co Interest Coverage vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Taiwan FamilyMart Co's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Taiwan FamilyMart Co's Interest Coverage falls into.


ROCO:5903
78GF Score
Taiwan FamilyMart Co Ltd ROCO:5903
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Taiwan FamilyMart Co 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:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Taiwan FamilyMart Co's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, Taiwan FamilyMart Co's Interest Expense was NT$-386 Mil. Its Operating Income was NT$1,855 Mil. And its Long-Term Debt & Capital Lease Obligation was NT$26,984 Mil.

Interest Coverage=-1* Operating Income (A: Dec. 2025 )/Interest Expense (A: Dec. 2025 )
=-1*1854.5/-385.811
=4.81

Taiwan FamilyMart Co's Interest Coverage for the quarter that ended in Jun. 2026 is calculated as

Here, for the three months ended in Jun. 2026, Taiwan FamilyMart Co's Interest Expense was NT$-107 Mil. Its Operating Income was NT$567 Mil. And its Long-Term Debt & Capital Lease Obligation was NT$26,015 Mil.

Interest Coverage=-1* Operating Income (Q: Jun. 2026 )/Interest Expense (Q: Jun. 2026 )
=-1*566.728/-106.541
=5.32

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 5.32 mean?
Taiwan FamilyMart Co (ROCO:5903) has a Interest Coverage of 5.32 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Taiwan FamilyMart Co and its competitors. This is 41% below median its historical median of 9.02. Over the past decade, Taiwan FamilyMart Co's Interest Coverage has ranged from 4.74 to 94.34. According to the industry distribution chart, Taiwan FamilyMart Co ranks #530 out of 838 companies in the Retail - Cyclical industry, placing it in the top 63.2%.
Is Taiwan FamilyMart Co's Interest Coverage too high?
Taiwan FamilyMart Co's current Interest Coverage of 5.32 is 41% below median its 10-year median of 9.02. Over the past 10 years, this metric has ranged from a low of 4.74 to a high of 94.34. The Retail - Cyclical industry median Interest Coverage is 7.45. Taiwan FamilyMart Co's value of 5.32 is 28.5% below this industry median. Based on the distribution chart, Taiwan FamilyMart Co ranks #530 out of 838 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Taiwan FamilyMart Co has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Taiwan FamilyMart Co's Interest Coverage compare to DDS and M?
According to the Retail - Cyclical industry distribution chart, Taiwan FamilyMart Co ranks #530 out of 838 companies for Interest Coverage. This places Taiwan FamilyMart Co in the lower half of its industry. The industry median Interest Coverage is 7.45. Taiwan FamilyMart Co's value of 5.32 is 28.5% below this benchmark. Historically, Taiwan FamilyMart Co's own Interest Coverage has ranged from 4.74 to 94.34 over the past decade. While the company's 10-year median is 9.02 vs. the industry median of 7.45, Taiwan FamilyMart Co 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 7.45, based on 838 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. Taiwan FamilyMart Co's current Interest Coverage of 5.32 is 28.5% 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 Taiwan FamilyMart Co and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Taiwan FamilyMart Co's current Interest Coverage is 5.32, which is 41% below median its own 10-year median of 9.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Taiwan FamilyMart Co stock overvalued right now?
Based on GuruFocus' analysis, Taiwan FamilyMart Co (ROCO:5903) is currently considered Modestly Undervalued. The stock's GF Value™ is NT$216.67, compared to a current price of NT$184.50 — trading 14.8% below its estimated fair value. The current Interest Coverage is 5.32, which is 41% below median its 10-year median of 9.02 and 28.5% below the Retail - Cyclical industry median of 7.45. Taiwan FamilyMart Co's overall GF Score™ is 78/100 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 Taiwan FamilyMart Co (ROCO:5903), the current Interest Coverage is 5.32 as of Jun. 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 Taiwan FamilyMart Co (ROCO:5903) Overvalued in 2026?

Based on GuruFocus' analysis, Taiwan FamilyMart Co stock appears to be undervalued. The current stock price of NT$184.50 is trading 14.8% below its estimated GF Value™ of NT$216.67. GuruFocus considers Taiwan FamilyMart Co to be Modestly Undervalued.

Key valuation signals for ROCO:5903:

  • Interest Coverage: 5.32 (41% below median its 10-year median of 9.02)
  • GF Value™: NT$216.67 vs. price of NT$184.50 (14.8% below fair value)
  • GF Score™: 78/100 with 9 warning signs
  • Industry Position: 28.5% below the Retail - Cyclical median (#530 of 838)

No single metric tells the full story. See the ROCO:5903 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Taiwan FamilyMart Co Business Description

Address No. 61, Chung-Shan North Road, 7th Floor, Section 2, Taipei, TWN, 104
Taiwan FamilyMart Co Ltd operates convenience stores. It provides a variety of retail food, household merchandise, books and magazines, and others. The company also provides franchise, agency collection, and other related services. Its segments include: Retail; Logistics; and Other. The company derives maximum revenue from Retail segment.
78GF Score

Get the complete analysis for ROCO:5903

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NT$184.50
Price
NT$216.67
GF Value