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Systex FintechROCO:7819 -0.83%23 Interest Coverage is 133.85 as of Dec. 2025, which is 4% above its 10-year median of 129.00. GuruFocus rates ROCO:7819 with a GF Score™ of 23/100. The stock has 3 warning signs investors should review. Among 1,716 Software companies, Systex Fintech ranks better than 72.14% 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. Systex Fintech's
Operating Income
for the
three
months ended in Dec. 2025 was NT$18.2 Mil. Systex Fintech's Interest Expense for the
three
months ended in Dec. 2025 was NT$-0.1 Mil.
Systex Fintech's interest coverage for the quarter that ended in Dec. 2025 was 133.85.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Systex Fintech Corp. has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Systex Fintech's Interest Coverage or its related term are showing as below:
ROCO:7819'
s Interest Coverage Range Over the Past 10 Years
Min: 81.77 Med: 129 Max: 572.5
Current: 143.32
ROCO:7819's Interest Coverage is ranked better than 72.14% of 1716
companies
in the Software industry
Industry Median: 24.64
vs ROCO:7819: 143.32
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 .
Systex Fintech Interest Coverage Related Terms
Systex Fintech Interest Coverage Historical Data
* Premium members only.
The historical data trend for Systex Fintech'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.
ROCO:7819 vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, Systex Fintech'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.
Systex Fintech Interest Coverage vs Software Industry
For the Software industry and Technology sector, Systex Fintech's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Systex Fintech'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.
Systex Fintech (ROCO:7819) has a Interest Coverage of 133.85 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Systex Fintech and its competitors. This is near median its historical median of 129.00. Over the past decade, Systex Fintech's Interest Coverage has ranged from 81.77 to 572.50. According to the industry distribution chart, Systex Fintech ranks #478 out of 1716 companies in the Software industry, placing it in the top 27.9%.
Is Systex Fintech's Interest Coverage too high?
Systex Fintech's current Interest Coverage of 133.85 is near median its 10-year median of 129.00. Over the past 10 years, this metric has ranged from a low of 81.77 to a high of 572.50. The Software industry median Interest Coverage is 24.64. Systex Fintech's value of 133.85 is 443.2% above this industry median. Based on the distribution chart, Systex Fintech ranks #478 out of 1716 companies in the Software industry, which is above the industry midpoint. Overall, Systex Fintech has a GF Score™ of 23/100, reflecting its overall financial health beyond just this single metric.
How does Systex Fintech's Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, Systex Fintech ranks #478 out of 1716 companies for Interest Coverage. This puts Systex Fintech in the upper half of its industry. The industry median Interest Coverage is 24.64. Systex Fintech's value of 133.85 is 443.2% above this benchmark. Historically, Systex Fintech's own Interest Coverage has ranged from 81.77 to 572.50 over the past decade. While the company's 10-year median is 129.00 vs. the industry median of 24.64, Systex Fintech 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 a Software company?
The median Interest Coverage among Software companies is 24.64, based on 1,716 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. Systex Fintech's current Interest Coverage of 133.85 is 443.2% 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 Systex Fintech and its competitors. For the Software industry, the median Interest Coverage is 24.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Systex Fintech's current Interest Coverage is 133.85, which is near median its own 10-year median of 129.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Systex Fintech stock overvalued right now?
Systex Fintech (ROCO:7819) has a current Interest Coverage of 133.85. The current Interest Coverage is 133.85, which is near median its 10-year median of 129.00 and 443.2% above the Software industry median of 24.64. Systex Fintech's overall GF Score™ is 23/100 with 3 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 Systex Fintech (ROCO:7819), the current Interest Coverage is 133.85 as of Dec. 2025. 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.
Systex Fintech Corp. is a financial technology company that delivers tailored solutions for the financial services industry. The products and services of the company include credit cards, virtual accounts, overseas receipts, electronic signature systems, and others.
23GF Score
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