Summerset Group HoldingsSMGRF +3.98%72 Interest Coverage is 0.34 as of Dec. 2025, which is 69% below its 10-year median of 1.11. GuruFocus rates SMGRF with a GF Score™ of 72/100 and a GF Value™ of $9.74 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 453 Healthcare Providers & Services companies, Summerset Group Holdings ranks worse than 98.68% 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. Summerset Group Holdings's
Operating Income
for the
six
months ended in Dec. 2025 was $2.9 Mil. Summerset Group Holdings's Interest Expense for the
six
months ended in Dec. 2025 was $-8.6 Mil.
Summerset Group Holdings's interest coverage for the quarter that ended in Dec. 2025 was 0.34.
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. Summerset Group Holdings Ltds earnings cannot cover its interest expense. If the situation continues, the company may have to issue more debt.
The historical rank and industry rank for Summerset Group Holdings's Interest Coverage or its related term are showing as below:
SMGRF'
s Interest Coverage Range Over the Past 10 Years
Min: 0.19 Med: 1.11 Max: 1.57
Current: 0.19
SMGRF's Interest Coverage is ranked worse than 98.68% of 453
companies
in the Healthcare Providers & Services industry
Industry Median: 7.98
vs SMGRF: 0.19
Summerset Group Holdings (OTCPK:SMGRF) 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 .
Summerset Group Holdings Interest Coverage Related Terms
Summerset Group Holdings Interest Coverage Historical Data
* 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.
SMGRF vs HCA, THC, DVA: Interest Coverage Comparison
For the Medical Care Facilities subindustry, Summerset Group Holdings'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.
Summerset Group Holdings Interest Coverage vs Healthcare Providers & Services Industry
For the Healthcare Providers & Services industry and Healthcare sector, Summerset Group Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Summerset Group Holdings's Interest Coverage falls into.
Summerset Group Holdings 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.
Summerset Group Holdings (SMGRF) has a Interest Coverage of 0.34 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Summerset Group Holdings and its competitors. This is 69% below median its historical median of 1.11. Over the past decade, Summerset Group Holdings' Interest Coverage has ranged from 0.19 to 1.57. According to the industry distribution chart, Summerset Group Holdings ranks #447 out of 453 companies in the Healthcare Providers & Services industry, placing it in the top 98.7%.
Is Summerset Group Holdings' Interest Coverage too high?
Summerset Group Holdings' current Interest Coverage of 0.34 is 69% below median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 1.57. The Healthcare Providers & Services industry median Interest Coverage is 7.98. Summerset Group Holdings' value of 0.34 is 95.7% below this industry median. Based on the distribution chart, Summerset Group Holdings ranks #447 out of 453 companies in the Healthcare Providers & Services industry, which is in the bottom quartile relative to peers. Overall, Summerset Group Holdings has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Summerset Group Holdings' Interest Coverage compare to HCA and THC?
According to the Healthcare Providers & Services industry distribution chart, Summerset Group Holdings ranks #447 out of 453 companies for Interest Coverage. This places Summerset Group Holdings in the lower half of its industry. The industry median Interest Coverage is 7.98. Summerset Group Holdings' value of 0.34 is 95.7% below this benchmark. Historically, Summerset Group Holdings' own Interest Coverage has ranged from 0.19 to 1.57 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 7.98, Summerset Group Holdings 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 Healthcare Providers & Services company?
The median Interest Coverage among Healthcare Providers & Services companies is 7.98, based on 453 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. Summerset Group Holdings's current Interest Coverage of 0.34 is 95.7% 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 Summerset Group Holdings and its competitors. For the Healthcare Providers & Services industry, the median Interest Coverage is 7.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summerset Group Holdings's current Interest Coverage is 0.34, which is 69% below median its own 10-year median of 1.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summerset Group Holdings stock overvalued right now?
Based on GuruFocus' analysis, Summerset Group Holdings (SMGRF) is currently considered Possible Value Trap. The stock's GF Value™ is $9.74, compared to a current price of $4.70 — trading 51.7% below its estimated fair value. The current Interest Coverage is 0.34, which is 69% below median its 10-year median of 1.11 and 95.7% below the Healthcare Providers & Services industry median of 7.98. Summerset Group Holdings' overall GF Score™ is 72/100 with 8 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 Summerset Group Holdings (SMGRF), the current Interest Coverage is 0.34 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.
Is Summerset Group Holdings (SMGRF) Overvalued in 2026?
Based on GuruFocus' analysis, Summerset Group Holdings stock appears to be undervalued.
The current stock price of $4.70 is trading 51.7% below its estimated GF Value™ of $9.74.
GuruFocus considers Summerset Group Holdings to be Possible Value Trap.
Key valuation signals for SMGRF:
Interest Coverage: 0.34 (69% below median its 10-year median of 1.11)
GF Value™: $9.74 vs. price of $4.70 (51.7% below fair value)
Industry Position: 95.7% below the Healthcare Providers & Services median (#447 of 453)
No single metric tells the full story. See the SMGRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summerset Group Holdings Ltd develops, owns, and operates integrated retirement villages. The company receives a majority of its revenue from the New Zealand Ministry of Health, which subsidizes fees for eligible aged-care residents. Its revenue is mainly derived from care fees and village services income. Summerset provides a range of care for its residents, including in-home care and 24-hour medical care centers. In addition to its independent-living villas and apartments, Summerset offers supported-living residences, which include assistance with daily activities like shopping and housekeeping.
72GF Score
Get the complete analysis for SMGRF
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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