City AutoSTC:CTF -1.17%77 Interest Coverage is 0.23 as of Mar. 2026, which is 84% below its 10-year median of 1.42. GuruFocus rates STC:CTF with a GF Score™ of 77/100 and a GF Value™ of ₫28,430.52 (Significantly Undervalued). The stock has 8 warning signs investors should review. Among 1,066 Vehicles & Parts companies, City Auto ranks worse than 93808.54% 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. City Auto's
Operating Income
for the
three
months ended in Mar. 2026 was ₫10,779 Mil. City Auto's Interest Expense for the
three
months ended in Mar. 2026 was ₫-45,944 Mil.
City Auto's interest coverage for the quarter that ended in Mar. 2026 was 0.23.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for City Auto's Interest Coverage or its related term are showing as below:
STC:CTF's Interest Coverage is not ranked *
in the Vehicles & Parts industry.
Industry Median: 8.295 * 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 .
City Auto Interest Coverage Related Terms
City Auto Interest Coverage Historical Data
* Premium members only.
The historical data trend for City Auto'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.
STC:CTF vs CVNA, PAG, ALTB: Interest Coverage Comparison
For the Auto & Truck Dealerships subindustry, City Auto'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.
City Auto Interest Coverage vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, City Auto's Interest Coverage distribution charts can be found below:
* The bar in red indicates where City Auto'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.
City Auto (STC:CTF) has a Interest Coverage of 0.23 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on City Auto and its competitors. This is 84% below median its historical median of 1.42. According to the industry distribution chart, City Auto ranks #999999 out of 1066 companies in the Vehicles & Parts industry.
Is City Auto's Interest Coverage too high?
City Auto's current Interest Coverage of 0.23 is 84% below median its 10-year median of 1.42. The Vehicles & Parts industry median Interest Coverage is 8.30. City Auto's value of 0.23 is 97.2% below this industry median. Based on the distribution chart, City Auto ranks #999999 out of 1066 companies in the Vehicles & Parts industry, which is in the bottom quartile relative to peers. Overall, City Auto has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does City Auto's Interest Coverage compare to CVNA and PAG?
According to the Vehicles & Parts industry distribution chart, City Auto ranks #999999 out of 1066 companies for Interest Coverage. This places City Auto in the lower half of its industry. The industry median Interest Coverage is 8.30. City Auto's value of 0.23 is 97.2% below this benchmark. While the company's 10-year median is 1.42 vs. the industry median of 8.30, City Auto 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 8.30, based on 1,066 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. City Auto's current Interest Coverage of 0.23 is 97.2% 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 City Auto and its competitors. For the Vehicles & Parts industry, the median Interest Coverage is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. City Auto's current Interest Coverage is 0.23, which is 84% below median its own 10-year median of 1.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is City Auto stock overvalued right now?
Based on GuruFocus' analysis, City Auto (STC:CTF) is currently considered Significantly Undervalued. The stock's GF Value™ is ₫28,430.52, compared to a current price of ₫16,900.00 — trading 40.6% below its estimated fair value. The current Interest Coverage is 0.23, which is 84% below median its 10-year median of 1.42 and 97.2% below the Vehicles & Parts industry median of 8.30. City Auto's overall GF Score™ is 77/100 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 City Auto (STC:CTF), the current Interest Coverage is 0.23 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 City Auto (STC:CTF) Overvalued in 2026?
Based on GuruFocus' analysis, City Auto stock appears to be undervalued.
The current stock price of ₫16,900.00 is trading 40.6% below its estimated GF Value™ of ₫28,430.52.
GuruFocus considers City Auto to be Significantly Undervalued.
Key valuation signals for STC:CTF:
Interest Coverage: 0.23 (84% below median its 10-year median of 1.42)
GF Value™: ₫28,430.52 vs. price of ₫16,900.00 (40.6% below fair value)
Industry Position: 97.2% below the Vehicles & Parts median (#999999 of 1066)
No single metric tells the full story. See the STC:CTF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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