CM.com (STU:2DS) Interest Coverage: 0 (At Loss) (As of Dec. 2025)


STU:2DS CM.com STU:2DS
60 GF Score
Price €7.00
GF Value €6.11
Valuation Modestly Overvalued
! 6 Warning Signs
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What is CM.com Interest Coverage?

CM.com STU:2DS +1.89% 60 Interest Coverage is 0 (At Loss) as of Dec. 2025. GuruFocus rates STU:2DS with a GF Score™ of 60/100 and a GF Value™ of €6.11 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,705 Software companies, CM.com ranks worse than 58650.97% 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. CM.com's Operating Income for the six months ended in Dec. 2025 was €-0.5 Mil. CM.com's Interest Expense for the six months ended in Dec. 2025 was €-3.6 Mil. did not have earnings to cover the interest expense. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for CM.com's Interest Coverage or its related term are showing as below:


STU:2DS's Interest Coverage is not ranked *
in the Software industry.
Industry Median: 24.78
* Ranked among companies with meaningful Interest Coverage only.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


CM.com  (STU:2DS) 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 .


CM.com Interest Coverage Related Terms


CM.com Interest Coverage Historical Data

* Premium members only.

The historical data trend for CM.com'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.

CM.com Interest Coverage Chart

CM.com Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

CM.com Semi-Annual Data
Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

STU:2DS vs CRM, SHOP, UBER: Interest Coverage Comparison

For the Software - Application subindustry, CM.com'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.


CM.com Interest Coverage vs Software Industry

For the Software industry and Technology sector, CM.com's Interest Coverage distribution charts can be found below:

* The bar in red indicates where CM.com's Interest Coverage falls into.


STU:2DS
60GF Score
CM.com STU:2DS
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CM.com 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:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

CM.com's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, CM.com's Interest Expense was €-7.1 Mil. Its Operating Income was €-3.8 Mil. And its Long-Term Debt & Capital Lease Obligation was €85.3 Mil.

CM.com did not have earnings to cover the interest expense.

CM.com's Interest Coverage for the quarter that ended in Dec. 2025 is calculated as

Here, for the six months ended in Dec. 2025, CM.com's Interest Expense was €-3.6 Mil. Its Operating Income was €-0.5 Mil. And its Long-Term Debt & Capital Lease Obligation was €85.3 Mil.

CM.com did not have earnings to cover the 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 higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 0 (At Loss) mean?
CM.com (STU:2DS) has a Interest Coverage of 0 (At Loss) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CM.com and its competitors. According to the industry distribution chart, CM.com ranks #999999 out of 1705 companies in the Software industry.
Is CM.com's Interest Coverage too high?
CM.com's current Interest Coverage is 0 (At Loss). Based on the distribution chart, CM.com ranks #999999 out of 1705 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, CM.com has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CM.com's Interest Coverage compare to CRM and SHOP?
According to the Software industry distribution chart, CM.com ranks #999999 out of 1705 companies for Interest Coverage. This places CM.com in the lower half of its industry. The industry median Interest Coverage is 24.78. 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 Software company?
The median Interest Coverage among Software companies is 24.78, based on 1,705 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 CM.com and its competitors. For the Software industry, the median Interest Coverage is 24.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CM.com's current Interest Coverage is 0 (At Loss). However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CM.com stock overvalued right now?
Based on GuruFocus' analysis, CM.com (STU:2DS) is currently considered Modestly Overvalued. The stock's GF Value™ is €6.11, compared to a current price of €7.00 — trading 14.6% above its estimated fair value. The current Interest Coverage is 0 (At Loss). CM.com's overall GF Score™ is 60/100 with 6 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 CM.com (STU:2DS), the current Interest Coverage is 0 (At Loss) 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 CM.com (STU:2DS) Overvalued in 2026?

Based on GuruFocus' analysis, CM.com stock appears to be overvalued. The current stock price of €7.00 is trading 14.6% above its estimated GF Value™ of €6.11. GuruFocus considers CM.com to be Modestly Overvalued.

Key valuation signals for STU:2DS:

  • Interest Coverage: 0 (At Loss)
  • GF Value™: €6.11 vs. price of €7.00 (14.6% above fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the STU:2DS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CM.com Business Description

Other Exchanges CMCOM:Netherlands
Address Konijnenberg 24, Breda, NB, NLD, 4825
CM.com provides cloud software for conversational commerce that enables businesses to deliver a superior customer experience. Its operating segments consist of Connect, Engage, Pay, and Live. Connect consists of omnichannel messaging (such as Bulk SMS, WhatsApp, Apple Business Chat, and RCS) and voice services that form part of CM.com's core service offering. Engage consists of a portfolio of services that contribute to the optimization of its clients' mobile business journey with their (potential) clients. Pay consists of online and in-person payments and settlement and start-rate fees, hardware sales, and service-level agreements. Live involves ticketing and related services. The company derives maximum revenue from the Connect Segment.
60GF Score

Get the complete analysis for STU:2DS

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.00
Price
€6.11
GF Value