Service InternationalSCI +0.19%84 Interest Coverage is 3.79 as of Mar. 2026, which is 1% above its 10-year median of 3.75. GuruFocus rates SCI with a GF Score™ of 84/100 and a GF Value™ of $83.50 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 71 Personal Services companies, Service International ranks worse than 74.65% 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. Service International's
Operating Income
for the
three
months ended in Mar. 2026 was $243 Mil. Service International's Interest Expense for the
three
months ended in Mar. 2026 was $-64 Mil.
Service International's interest coverage for the quarter that ended in Mar. 2026 was 3.79.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Service International's Interest Coverage or its related term are showing as below:
SCI'
s Interest Coverage Range Over the Past 10 Years
Min: 3.33 Med: 3.75 Max: 7.74
Current: 3.76
SCI's Interest Coverage is ranked worse than 74.65% of 71
companies
in the Personal Services industry
Industry Median: 9.34
vs SCI: 3.76
Service International (NYSE:SCI) 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 .
Service International Interest Coverage Related Terms
Service International Interest Coverage Historical Data
* Premium members only.
The historical data trend for Service 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.
SCI vs HRB, FTDR, ANDG: Interest Coverage Comparison
For the Personal Services subindustry, Service 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.
Service International Interest Coverage vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, Service International's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Service International's Interest Coverage falls into.
Service International 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.
Service International (SCI) has a Interest Coverage of 3.79 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Service International and its competitors. This is near median its historical median of 3.75. Over the past decade, Service International's Interest Coverage has ranged from 3.33 to 7.74. According to the industry distribution chart, Service International ranks #53 out of 71 companies in the Personal Services industry, placing it in the top 74.6%.
Is Service International's Interest Coverage too high?
Service International's current Interest Coverage of 3.79 is near median its 10-year median of 3.75. Over the past 10 years, this metric has ranged from a low of 3.33 to a high of 7.74. The Personal Services industry median Interest Coverage is 9.34. Service International's value of 3.79 is 59.4% below this industry median. Based on the distribution chart, Service International ranks #53 out of 71 companies in the Personal Services industry, which is below the industry midpoint. Overall, Service International has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Service International's Interest Coverage compare to HRB and FTDR?
According to the Personal Services industry distribution chart, Service International ranks #53 out of 71 companies for Interest Coverage. This places Service International in the lower half of its industry. The industry median Interest Coverage is 9.34. Service International's value of 3.79 is 59.4% below this benchmark. Historically, Service International's own Interest Coverage has ranged from 3.33 to 7.74 over the past decade. While the company's 10-year median is 3.75 vs. the industry median of 9.34, Service 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 Personal Services company?
The median Interest Coverage among Personal Services companies is 9.34, based on 71 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. Service International's current Interest Coverage of 3.79 is 59.4% 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 Service International and its competitors. For the Personal Services industry, the median Interest Coverage is 9.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Service International's current Interest Coverage is 3.79, which is near median its own 10-year median of 3.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Service International stock overvalued right now?
Based on GuruFocus' analysis, Service International (SCI) is currently considered Modestly Undervalued. The stock's GF Value™ is $83.50, compared to a current price of $74.04 — trading 11.3% below its estimated fair value. The current Interest Coverage is 3.79, which is near median its 10-year median of 3.75 and 59.4% below the Personal Services industry median of 9.34. Service International's overall GF Score™ is 84/100 with 5 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 Service International (SCI), the current Interest Coverage is 3.79 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 Service International (SCI) Overvalued in 2026?
Based on GuruFocus' analysis, Service International stock appears to be undervalued.
The current stock price of $74.04 is trading 11.3% below its estimated GF Value™ of $83.50.
GuruFocus considers Service International to be Modestly Undervalued.
Key valuation signals for SCI:
Interest Coverage: 3.79 (near median its 10-year median of 3.75)
GF Value™: $83.50 vs. price of $74.04 (11.3% below fair value)
Industry Position: 59.4% below the Personal Services median (#53 of 71)
No single metric tells the full story. See the SCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Service Corp International is a personal services company that provides funeral and cemetery services and products from its locations throughout the United States and Canada. The company segments its operations into funeral service and cemetery business functions. At its funeral service locations, it provides all professional services, facilities, vehicles, and merchandise related to funerals and cremations. Cemetery locations provide cemetery property, memorial markers, and graveyard services to customers. The company derives the majority of its revenue from its funeral services segment. Geographically, the company derives a majority of its revenue from the United States.
84GF Score
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