FPT Digital Retail JSCSTC:FRT -2.97%94 Interest Coverage is 3.17 as of Mar. 2026, which is 17% above its 10-year median of 2.72. GuruFocus rates STC:FRT with a GF Score™ of 94/100 and a GF Value™ of ₫185,440.00 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 828 Retail - Cyclical companies, FPT Digital Retail JSC ranks worse than 71.98% 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. FPT Digital Retail JSC's
Operating Income
for the
three
months ended in Mar. 2026 was ₫474,363 Mil. FPT Digital Retail JSC's Interest Expense for the
three
months ended in Mar. 2026 was ₫-149,775 Mil.
FPT Digital Retail JSC's interest coverage for the quarter that ended in Mar. 2026 was 3.17.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for FPT Digital Retail JSC's Interest Coverage or its related term are showing as below:
STC:FRT'
s Interest Coverage Range Over the Past 10 Years
Min: 0.68 Med: 2.72 Max: 4.81
Current: 3.27
STC:FRT's Interest Coverage is ranked worse than 71.98% of 828
companies
in the Retail - Cyclical industry
Industry Median: 7.915
vs STC:FRT: 3.27
FPT Digital Retail JSC (STC:FRT) 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 .
FPT Digital Retail JSC Interest Coverage Related Terms
FPT Digital Retail JSC Interest Coverage Historical Data
* Premium members only.
The historical data trend for FPT Digital Retail JSC'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:FRT vs CASY, WSM, ULTA: Interest Coverage Comparison
For the Specialty Retail subindustry, FPT Digital Retail JSC'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.
FPT Digital Retail JSC Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, FPT Digital Retail JSC's Interest Coverage distribution charts can be found below:
* The bar in red indicates where FPT Digital Retail JSC's Interest Coverage falls into.
FPT Digital Retail JSC 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.
FPT Digital Retail JSC (STC:FRT) has a Interest Coverage of 3.17 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on FPT Digital Retail JSC and its competitors. This is 17% above median its historical median of 2.72. Over the past decade, FPT Digital Retail JSC's Interest Coverage has ranged from 0.68 to 4.81. According to the industry distribution chart, FPT Digital Retail JSC ranks #596 out of 828 companies in the Retail - Cyclical industry, placing it in the top 72%.
Is FPT Digital Retail JSC's Interest Coverage too high?
FPT Digital Retail JSC's current Interest Coverage of 3.17 is 17% above median its 10-year median of 2.72. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 4.81. The Retail - Cyclical industry median Interest Coverage is 7.92. FPT Digital Retail JSC's value of 3.17 is 59.9% below this industry median. Based on the distribution chart, FPT Digital Retail JSC ranks #596 out of 828 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, FPT Digital Retail JSC has a GF Score™ of 94/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FPT Digital Retail JSC's Interest Coverage compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, FPT Digital Retail JSC ranks #596 out of 828 companies for Interest Coverage. This places FPT Digital Retail JSC in the lower half of its industry. The industry median Interest Coverage is 7.92. FPT Digital Retail JSC's value of 3.17 is 59.9% below this benchmark. Historically, FPT Digital Retail JSC's own Interest Coverage has ranged from 0.68 to 4.81 over the past decade. While the company's 10-year median is 2.72 vs. the industry median of 7.92, FPT Digital Retail JSC 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 Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.92, based on 828 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. FPT Digital Retail JSC's current Interest Coverage of 3.17 is 59.9% 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 FPT Digital Retail JSC and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FPT Digital Retail JSC's current Interest Coverage is 3.17, which is 17% above median its own 10-year median of 2.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FPT Digital Retail JSC stock overvalued right now?
Based on GuruFocus' analysis, FPT Digital Retail JSC (STC:FRT) is currently considered Significantly Undervalued. The stock's GF Value™ is ₫185,440.00, compared to a current price of ₫118,095.24 — trading 36.3% below its estimated fair value. The current Interest Coverage is 3.17, which is 17% above median its 10-year median of 2.72 and 59.9% below the Retail - Cyclical industry median of 7.92. FPT Digital Retail JSC's overall GF Score™ is 94/100 with 2 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 FPT Digital Retail JSC (STC:FRT), the current Interest Coverage is 3.17 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 FPT Digital Retail JSC (STC:FRT) Overvalued in 2026?
Based on GuruFocus' analysis, FPT Digital Retail JSC stock appears to be undervalued.
The current stock price of ₫118,095.24 is trading 36.3% below its estimated GF Value™ of ₫185,440.00.
GuruFocus considers FPT Digital Retail JSC to be Significantly Undervalued.
Key valuation signals for STC:FRT:
Interest Coverage: 3.17 (17% above median its 10-year median of 2.72)
GF Value™: ₫185,440.00 vs. price of ₫118,095.24 (36.3% below fair value)
Industry Position: 59.9% below the Retail - Cyclical median (#596 of 828)
No single metric tells the full story. See the STC:FRT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FPT Digital Retail JSC is a retail mobile digital products including mobile phones, tablets, laptops, accessories, to provides technology services, wireless communication, and other financial services. Geographically, the company operates only in Vietnam. The company's business segments are: Informatics equipment, telephones, components and related accessories, Pharmaceutical, and Others. It derives maximum revenue from the Informatics equipment, telephones, components and related accessories segment.
94GF Score
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