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.
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.
SunCar Technology GroupSDA +7.68%57 Interest Coverage is 2.62 as of Mar. 2026, which is 23% below its 10-year median of 3.40. GuruFocus rates SDA with a GF Score™ of 57/100 and a GF Value™ of $8.78 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,062 Vehicles & Parts companies, SunCar Technology Group ranks worse than 80.7% 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. SunCar Technology Group's
Operating Income
for the
three
months ended in Mar. 2026 was $3.0 Mil. SunCar Technology Group's Interest Expense for the
three
months ended in Mar. 2026 was $-1.1 Mil.
SunCar Technology Group's interest coverage for the quarter that ended in Mar. 2026 was 2.62.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for SunCar Technology Group's Interest Coverage or its related term are showing as below:
SDA'
s Interest Coverage Range Over the Past 10 Years
Min: 0.92 Med: 3.4 Max: 3.73
Current: 2.26
SDA's Interest Coverage is ranked worse than 80.7% of 1062
companies
in the Vehicles & Parts industry
Industry Median: 8.345
vs SDA: 2.26
SunCar Technology Group (NAS:SDA) 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 .
SunCar Technology Group Interest Coverage Related Terms
SunCar Technology Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for SunCar Technology Group'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.
SDA vs NXB, CRMT, UCAR: Interest Coverage Comparison
For the Auto & Truck Dealerships subindustry, SunCar Technology Group'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.
SunCar Technology Group Interest Coverage vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, SunCar Technology Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where SunCar Technology Group's Interest Coverage falls into.
SunCar Technology Group 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.
SunCar Technology Group (SDA) has a Interest Coverage of 2.62 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SunCar Technology Group and its competitors. This is 23% below median its historical median of 3.40. Over the past decade, SunCar Technology Group's Interest Coverage has ranged from 0.92 to 3.73. According to the industry distribution chart, SunCar Technology Group ranks #857 out of 1062 companies in the Vehicles & Parts industry, placing it in the top 80.7%.
Is SunCar Technology Group's Interest Coverage too high?
SunCar Technology Group's current Interest Coverage of 2.62 is 23% below median its 10-year median of 3.40. Over the past 10 years, this metric has ranged from a low of 0.92 to a high of 3.73. The Vehicles & Parts industry median Interest Coverage is 8.35. SunCar Technology Group's value of 2.62 is 68.6% below this industry median. Based on the distribution chart, SunCar Technology Group ranks #857 out of 1062 companies in the Vehicles & Parts industry, which is in the bottom quartile relative to peers. Overall, SunCar Technology Group has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SunCar Technology Group's Interest Coverage compare to NXB and CRMT?
According to the Vehicles & Parts industry distribution chart, SunCar Technology Group ranks #857 out of 1062 companies for Interest Coverage. This places SunCar Technology Group in the lower half of its industry. The industry median Interest Coverage is 8.35. SunCar Technology Group's value of 2.62 is 68.6% below this benchmark. Historically, SunCar Technology Group's own Interest Coverage has ranged from 0.92 to 3.73 over the past decade. While the company's 10-year median is 3.40 vs. the industry median of 8.35, SunCar Technology Group 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 Vehicles & Parts company?
The median Interest Coverage among Vehicles & Parts companies is 8.35, based on 1,062 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. SunCar Technology Group's current Interest Coverage of 2.62 is 68.6% 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 SunCar Technology Group and its competitors. For the Vehicles & Parts industry, the median Interest Coverage is 8.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SunCar Technology Group's current Interest Coverage is 2.62, which is 23% below median its own 10-year median of 3.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SunCar Technology Group stock overvalued right now?
Based on GuruFocus' analysis, SunCar Technology Group (SDA) is currently considered Possible Value Trap. The stock's GF Value™ is $8.78, compared to a current price of $0.85 — trading 90.3% below its estimated fair value. The current Interest Coverage is 2.62, which is 23% below median its 10-year median of 3.40 and 68.6% below the Vehicles & Parts industry median of 8.35. SunCar Technology Group's overall GF Score™ is 57/100 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 SunCar Technology Group (SDA), the current Interest Coverage is 2.62 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 SunCar Technology Group (SDA) Overvalued in 2026?
Based on GuruFocus' analysis, SunCar Technology Group stock appears to be undervalued.
The current stock price of $0.85 is trading 90.3% below its estimated GF Value™ of $8.78.
GuruFocus considers SunCar Technology Group to be Possible Value Trap.
Key valuation signals for SDA:
Interest Coverage: 2.62 (23% below median its 10-year median of 3.40)
GF Value™: $8.78 vs. price of $0.85 (90.3% below fair value)
Industry Position: 68.6% below the Vehicles & Parts median (#857 of 1062)
No single metric tells the full story. See the SDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SunCar Technology Group Inc operates digital automotive aftersales market service platform and vehicle insurance technology platform. It develops and operates online platforms that connect drivers in China with a range of aftermarket automotive services and insurance coverage options from a nationwide network of service providers. These comprehensive digital systems are built on SunCar's multi-tenant, cloud-based platform. Revenues from its continuing operations are mainly generated from providing auto eInsurance services, technology services, and auto services.
57GF Score
Get the complete analysis for SDA
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
SDA has been successfully added to your 
