Phu Nhuan Jewelry JSCSTC:PNJ 99 Interest Coverage is 36.91 as of Mar. 2026, which is 95% above its 10-year median of 18.97. GuruFocus rates STC:PNJ with a GF Score™ of 99/100 and a GF Value™ of ₫70,622.07 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 824 Retail - Cyclical companies, Phu Nhuan Jewelry JSC ranks better than 78.16% 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. Phu Nhuan Jewelry JSC's
Operating Income
for the
three
months ended in Mar. 2026 was ₫1,866,765 Mil. Phu Nhuan Jewelry JSC's Interest Expense for the
three
months ended in Mar. 2026 was ₫-50,572 Mil.
Phu Nhuan Jewelry JSC's interest coverage for the quarter that ended in Mar. 2026 was 36.91.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Phu Nhuan Jewelry JSC's Interest Coverage or its related term are showing as below:
STC:PNJ'
s Interest Coverage Range Over the Past 10 Years
Min: 9.77 Med: 18.97 Max: 57.09
Current: 32.39
STC:PNJ's Interest Coverage is ranked better than 78.16% of 824
companies
in the Retail - Cyclical industry
Industry Median: 7.94
vs STC:PNJ: 32.39
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 .
Phu Nhuan Jewelry JSC Interest Coverage Related Terms
Phu Nhuan Jewelry JSC Interest Coverage Historical Data
* Premium members only.
The historical data trend for Phu Nhuan Jewelry 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.
For the Luxury Goods subindustry, Phu Nhuan Jewelry 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.
Phu Nhuan Jewelry JSC Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Phu Nhuan Jewelry JSC's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Phu Nhuan Jewelry 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.
Phu Nhuan Jewelry JSC (STC:PNJ) has a Interest Coverage of 36.91 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Phu Nhuan Jewelry JSC and its competitors. This is 95% above median its historical median of 18.97. Over the past decade, Phu Nhuan Jewelry JSC's Interest Coverage has ranged from 9.77 to 57.09. According to the industry distribution chart, Phu Nhuan Jewelry JSC ranks #180 out of 824 companies in the Retail - Cyclical industry, placing it in the top 21.8%.
Is Phu Nhuan Jewelry JSC's Interest Coverage too high?
Phu Nhuan Jewelry JSC's current Interest Coverage of 36.91 is 95% above median its 10-year median of 18.97. Over the past 10 years, this metric has ranged from a low of 9.77 to a high of 57.09. The Retail - Cyclical industry median Interest Coverage is 7.94. Phu Nhuan Jewelry JSC's value of 36.91 is 364.9% above this industry median. Based on the distribution chart, Phu Nhuan Jewelry JSC ranks #180 out of 824 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Phu Nhuan Jewelry JSC has a GF Score™ of 99/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Phu Nhuan Jewelry JSC's Interest Coverage compare to TPR and SIG?
According to the Retail - Cyclical industry distribution chart, Phu Nhuan Jewelry JSC ranks #180 out of 824 companies for Interest Coverage. This places Phu Nhuan Jewelry JSC in the top 22% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 7.94. Phu Nhuan Jewelry JSC's value of 36.91 is 364.9% above this benchmark. Historically, Phu Nhuan Jewelry JSC's own Interest Coverage has ranged from 9.77 to 57.09 over the past decade. While the company's 10-year median is 18.97 vs. the industry median of 7.94, Phu Nhuan Jewelry JSC has consistently been above 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 7.94, based on 824 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. Phu Nhuan Jewelry JSC's current Interest Coverage of 36.91 is 364.9% above 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 Phu Nhuan Jewelry JSC and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phu Nhuan Jewelry JSC's current Interest Coverage is 36.91, which is 95% above median its own 10-year median of 18.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phu Nhuan Jewelry JSC stock overvalued right now?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC (STC:PNJ) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫70,622.07, compared to a current price of ₫63,500.00 — trading 10.1% below its estimated fair value. The current Interest Coverage is 36.91, which is 95% above median its 10-year median of 18.97 and 364.9% above the Retail - Cyclical industry median of 7.94. Phu Nhuan Jewelry JSC's overall GF Score™ is 99/100 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 Phu Nhuan Jewelry JSC (STC:PNJ), the current Interest Coverage is 36.91 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 Phu Nhuan Jewelry JSC (STC:PNJ) Overvalued in 2026?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC stock appears to be undervalued.
The current stock price of ₫63,500.00 is trading 10.1% below its estimated GF Value™ of ₫70,622.07.
GuruFocus considers Phu Nhuan Jewelry JSC to be Modestly Undervalued.
Key valuation signals for STC:PNJ:
Interest Coverage: 36.91 (95% above median its 10-year median of 18.97)
GF Value™: ₫70,622.07 vs. price of ₫63,500.00 (10.1% below fair value)
Industry Position: 364.9% above the Retail - Cyclical median (#180 of 824)
No single metric tells the full story. See the STC:PNJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phu Nhuan Jewelry JSC is engaged in the manufacturing and trading of gold, silver, jewelry, and gemstones, and imports and exports jewelry in gold, silver, and gemstones. The other activities are mainly trading accessories and jewelry inspection services. It offers products such as rings, earrings, bracelets, pendants, necklaces, etc., under different brands such as CAO Fine Jewellery, Mancode by PNJ, Style by PNJ, PNJArt, PNJ Silver and Accessories, and others. Geographically, the company conducts its operations only in Vietnam.
99GF Score
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