Sentage HoldingsSNTG -2.88%48 Interest Coverage is No Debt (1) as of Dec. 2025, which is 100% below its 10-year median of 10,000.00. GuruFocus rates SNTG with a GF Scoreâ„¢ of 48/100 and a GF Valueâ„¢ of $1.04 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 163 Credit Services companies, Sentage Holdings ranks worse than 613496.32% 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. Sentage Holdings's
Operating Income
for the
six
months ended in Dec. 2025 was $-1.48 Mil. Sentage Holdings's Interest Expense for the
six
months ended in Dec. 2025 was $0.00 Mil.
Sentage Holdings has no debt.
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. Sentage Holdings Inc has enough cash to cover all of its debt. Its financial situation is stable.
(1) 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.
The historical rank and industry rank for Sentage Holdings's Interest Coverage or its related term are showing as below:
SNTG's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 47.86 * Ranked among companies with meaningful Interest Coverage only.
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 .
Sentage Holdings Interest Coverage Related Terms
Sentage Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Sentage Holdings'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.
SNTG vs SPFX, DXF, VNTA: Interest Coverage Comparison
For the Credit Services subindustry, Sentage 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.
Sentage Holdings Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sentage Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Sentage Holdings'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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Sentage Holdings (SNTG) has a Interest Coverage of No Debt (1) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sentage Holdings and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, Sentage Holdings' Interest Coverage has ranged from 10,000.00 to 10,000.00. According to the industry distribution chart, Sentage Holdings ranks #999999 out of 163 companies in the Credit Services industry.
Is Sentage Holdings' Interest Coverage too high?
Sentage Holdings' current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 10,000.00 to a high of 10,000.00. Based on the distribution chart, Sentage Holdings ranks #999999 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Sentage Holdings has a GF Scoreâ„¢ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sentage Holdings' Interest Coverage compare to SPFX and DXF?
According to the Credit Services industry distribution chart, Sentage Holdings ranks #999999 out of 163 companies for Interest Coverage. This places Sentage Holdings in the lower half of its industry. The industry median Interest Coverage is 47.86. Historically, Sentage Holdings' own Interest Coverage has ranged from 10,000.00 to 10,000.00 over the past decade. 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 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. 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 Sentage Holdings and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sentage Holdings's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sentage Holdings stock overvalued right now?
Based on GuruFocus' analysis, Sentage Holdings (SNTG) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.04, compared to a current price of $2.02 — trading 94.2% above its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 10,000.00. Sentage Holdings' overall GF Score™ is 48/100 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 Sentage Holdings (SNTG), the current Interest Coverage is No Debt (1) 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 Sentage Holdings (SNTG) Overvalued in 2026?
Based on GuruFocus' analysis, Sentage Holdings stock appears to be overvalued.
The current stock price of $2.02 is trading 94.2% above its estimated GF Value™ of $1.04.
GuruFocus considers Sentage Holdings to be Significantly Overvalued.
Key valuation signals for SNTG:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: $1.04 vs. price of $2.02 (94.2% above fair value)
No single metric tells the full story. See the SNTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sentage Holdings Inc is a financial service provider. The company offers a comprehensive range of financial services across consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China.
48GF Score
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