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. GMO Payment Gateway's
Operating Income
for the
three
months ended in Mar. 2026 was €55.8 Mil. GMO Payment Gateway's Interest Expense for the
three
months ended in Mar. 2026 was €-1.5 Mil.
GMO Payment Gateway's interest coverage for the quarter that ended in Mar. 2026 was 36.55.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for GMO Payment Gateway's Interest Coverage or its related term are showing as below:
STU:3RH'
s Interest Coverage Range Over the Past 10 Years
Min: 25.24 Med: 55.87 Max: 766.05
Current: 37.45
STU:3RH's Interest Coverage is ranked better than 55.37% of 1705
companies
in the Software industry
Industry Median: 24.78
vs STU:3RH: 37.45
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 .
GMO Payment Gateway Interest Coverage Related Terms
GMO Payment Gateway Interest Coverage Historical Data
* Premium members only.
The historical data trend for GMO Payment Gateway'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.
STU:3RH vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, GMO Payment Gateway'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.
GMO Payment Gateway Interest Coverage vs Software Industry
For the Software industry and Technology sector, GMO Payment Gateway's Interest Coverage distribution charts can be found below:
* The bar in red indicates where GMO Payment Gateway'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.
GMO Payment Gateway (STU:3RH) has a Interest Coverage of 36.55 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on GMO Payment Gateway and its competitors. This is 35% below median its historical median of 55.87. Over the past decade, GMO Payment Gateway's Interest Coverage has ranged from 25.24 to 766.05. According to the industry distribution chart, GMO Payment Gateway ranks #761 out of 1705 companies in the Software industry, placing it in the top 44.6%.
Is GMO Payment Gateway's Interest Coverage too high?
GMO Payment Gateway's current Interest Coverage of 36.55 is 35% below median its 10-year median of 55.87. Over the past 10 years, this metric has ranged from a low of 25.24 to a high of 766.05. The Software industry median Interest Coverage is 24.78. GMO Payment Gateway's value of 36.55 is 47.5% above this industry median. Based on the distribution chart, GMO Payment Gateway ranks #761 out of 1705 companies in the Software industry, which is above the industry midpoint. Overall, GMO Payment Gateway has a GF Score™ of 91/100, reflecting its overall financial health beyond just this single metric.
How does GMO Payment Gateway's Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, GMO Payment Gateway ranks #761 out of 1705 companies for Interest Coverage. This puts GMO Payment Gateway in the upper half of its industry. The industry median Interest Coverage is 24.78. GMO Payment Gateway's value of 36.55 is 47.5% above this benchmark. Historically, GMO Payment Gateway's own Interest Coverage has ranged from 25.24 to 766.05 over the past decade. While the company's 10-year median is 55.87 vs. the industry median of 24.78, GMO Payment Gateway 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 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. GMO Payment Gateway's current Interest Coverage of 36.55 is 47.5% 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 GMO Payment Gateway 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. GMO Payment Gateway's current Interest Coverage is 36.55, which is 35% below median its own 10-year median of 55.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GMO Payment Gateway stock overvalued right now?
GMO Payment Gateway (STU:3RH) has a current Interest Coverage of 36.55. The stock's GF Value™ is €57.25, compared to a current price of €48.20 — trading 15.8% below its estimated fair value. The current Interest Coverage is 36.55, which is 35% below median its 10-year median of 55.87 and 47.5% above the Software industry median of 24.78. GMO Payment Gateway's overall GF Score™ is 91/100 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 GMO Payment Gateway (STU:3RH), the current Interest Coverage is 36.55 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 GMO Payment Gateway (STU:3RH) Overvalued in 2026?
Based on GuruFocus' analysis, GMO Payment Gateway stock appears to be undervalued.
The current stock price of €48.20 is trading 15.8% below its estimated GF Value™ of €57.25.
Key valuation signals for STU:3RH:
Interest Coverage: 36.55 (35% below median its 10-year median of 55.87)
GF Value™: €57.25 vs. price of €48.20 (15.8% below fair value)
Industry Position: 47.5% above the Software median (#761 of 1705)
No single metric tells the full story. See the STU:3RH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GMO Payment Gateway is a major Japanese provider of cashless and online payment infrastructure, serving many sectors including digital content and telecommunications, utilities, retail and hospitality, financial services, healthcare, and education. It serves a wide array of clients, from government agencies and municipalities to enterprises and merchants, across online and offline channels, including e-commerce platforms, physical stores, and unattended machines. Its services encompass payment processing, settlement solutions, and ancillary offerings such as early or deferred settlement services, transaction lending, buy now, pay later, online advertising, and internet security. GMO is expanding into adjacent financial technology operations, and gradually across Asia and North America.
91GF Score
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