The PAN Group JSCSTC:PAN 93 Interest Coverage is 6.78 as of Mar. 2026, which is 104% above its 10-year median of 3.33. GuruFocus rates STC:PAN with a GF Score™ of 93/100 and a GF Value™ of ₫24,095.91 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,505 Consumer Packaged Goods companies, The PAN Group JSC ranks worse than 67.77% 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. The PAN Group JSC's
Operating Income
for the
three
months ended in Mar. 2026 was ₫252,755 Mil. The PAN Group JSC's Interest Expense for the
three
months ended in Mar. 2026 was ₫-37,273 Mil.
The PAN Group JSC's interest coverage for the quarter that ended in Mar. 2026 was 6.78.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for The PAN Group JSC's Interest Coverage or its related term are showing as below:
STC:PAN'
s Interest Coverage Range Over the Past 10 Years
Min: 1.25 Med: 3.33 Max: 11.55
Current: 4.02
STC:PAN's Interest Coverage is ranked worse than 67.77% of 1505
companies
in the Consumer Packaged Goods industry
Industry Median: 8.57
vs STC:PAN: 4.02
The PAN Group JSC (STC:PAN) 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 .
The PAN Group JSC Interest Coverage Related Terms
The PAN Group JSC Interest Coverage Historical Data
* Premium members only.
The historical data trend for The PAN Group 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:PAN vs ADM, BG, TSN: Interest Coverage Comparison
For the Farm Products subindustry, The PAN Group 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.
The PAN Group JSC Interest Coverage vs Consumer Packaged Goods Industry
For the Consumer Packaged Goods industry and Consumer Defensive sector, The PAN Group JSC's Interest Coverage distribution charts can be found below:
* The bar in red indicates where The PAN Group JSC'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.
The PAN Group JSC (STC:PAN) has a Interest Coverage of 6.78 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on The PAN Group JSC and its competitors. This is 104% above median its historical median of 3.33. Over the past decade, The PAN Group JSC's Interest Coverage has ranged from 1.25 to 11.55. According to the industry distribution chart, The PAN Group JSC ranks #1020 out of 1505 companies in the Consumer Packaged Goods industry, placing it in the top 67.8%.
Is The PAN Group JSC's Interest Coverage too high?
The PAN Group JSC's current Interest Coverage of 6.78 is 104% above median its 10-year median of 3.33. Over the past 10 years, this metric has ranged from a low of 1.25 to a high of 11.55. The Consumer Packaged Goods industry median Interest Coverage is 8.57. The PAN Group JSC's value of 6.78 is 20.9% below this industry median. Based on the distribution chart, The PAN Group JSC ranks #1020 out of 1505 companies in the Consumer Packaged Goods industry, which is below the industry midpoint. Overall, The PAN Group JSC has a GF Score™ of 93/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The PAN Group JSC's Interest Coverage compare to ADM and BG?
According to the Consumer Packaged Goods industry distribution chart, The PAN Group JSC ranks #1020 out of 1505 companies for Interest Coverage. This places The PAN Group JSC in the lower half of its industry. The industry median Interest Coverage is 8.57. The PAN Group JSC's value of 6.78 is 20.9% below this benchmark. Historically, The PAN Group JSC's own Interest Coverage has ranged from 1.25 to 11.55 over the past decade. While the company's 10-year median is 3.33 vs. the industry median of 8.57, The PAN Group 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 Consumer Packaged Goods company?
The median Interest Coverage among Consumer Packaged Goods companies is 8.57, based on 1,505 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. The PAN Group JSC's current Interest Coverage of 6.78 is 20.9% 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 The PAN Group JSC and its competitors. For the Consumer Packaged Goods industry, the median Interest Coverage is 8.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The PAN Group JSC's current Interest Coverage is 6.78, which is 104% above median its own 10-year median of 3.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The PAN Group JSC stock overvalued right now?
Based on GuruFocus' analysis, The PAN Group JSC (STC:PAN) is currently considered Fairly Valued. The stock's GF Value™ is ₫24,095.91, compared to a current price of ₫23,150.00 — trading 3.9% below its estimated fair value. The current Interest Coverage is 6.78, which is 104% above median its 10-year median of 3.33 and 20.9% below the Consumer Packaged Goods industry median of 8.57. The PAN Group JSC's overall GF Score™ is 93/100 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 The PAN Group JSC (STC:PAN), the current Interest Coverage is 6.78 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 The PAN Group JSC (STC:PAN) Overvalued in 2026?
Based on GuruFocus' analysis, The PAN Group JSC stock appears to be undervalued.
The current stock price of ₫23,150.00 is trading 3.9% below its estimated GF Value™ of ₫24,095.91.
GuruFocus considers The PAN Group JSC to be Fairly Valued.
Key valuation signals for STC:PAN:
Interest Coverage: 6.78 (104% above median its 10-year median of 3.33)
GF Value™: ₫24,095.91 vs. price of ₫23,150.00 (3.9% below fair value)
Industry Position: 20.9% below the Consumer Packaged Goods median (#1020 of 1505)
No single metric tells the full story. See the STC:PAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The PAN Group JSC is engaged in agricultural, food processing and related activities, financial investments, and other related services. It operates in three segments namely Packaged Foods, Agriculture, and Aquaculture.
93GF Score
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