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. BIO-key International's
Operating Income
for the
three
months ended in Mar. 2026 was €-0.14 Mil. BIO-key International's Interest Expense for the
three
months ended in Mar. 2026 was €-0.02 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 BIO-key International's Interest Coverage or its related term are showing as below:
STU:BJO0's Interest Coverage is not ranked *
in the Business Services industry.
Industry Median: 12.98 * Ranked among companies with meaningful Interest Coverage only.
BIO-key International (STU:BJO0) 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 .
BIO-key International Interest Coverage Related Terms
BIO-key International Interest Coverage Historical Data
* Premium members only.
The historical data trend for BIO-key International'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:BJO0 vs IVDA, SUGP, VRME: Interest Coverage Comparison
For the Security & Protection Services subindustry, BIO-key International'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.
BIO-key International Interest Coverage vs Business Services Industry
For the Business Services industry and Industrials sector, BIO-key International's Interest Coverage distribution charts can be found below:
* The bar in red indicates where BIO-key International's Interest Coverage falls into.
BIO-key International 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:
BIO-key International 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.
What does a Interest Coverage of 0 (At Loss) mean?
BIO-key International (STU:BJO0) has a Interest Coverage of 0 (At Loss) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on BIO-key International and its competitors. According to the industry distribution chart, BIO-key International ranks #999999 out of 814 companies in the Business Services industry.
Is BIO-key International's Interest Coverage too high?
BIO-key International's current Interest Coverage is 0 (At Loss). Based on the distribution chart, BIO-key International ranks #999999 out of 814 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, BIO-key International has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does BIO-key International's Interest Coverage compare to IVDA and SUGP?
According to the Business Services industry distribution chart, BIO-key International ranks #999999 out of 814 companies for Interest Coverage. This places BIO-key International in the lower half of its industry. The industry median Interest Coverage is 12.98. 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 Business Services company?
The median Interest Coverage among Business Services companies is 12.98, based on 814 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 BIO-key International and its competitors. For the Business Services industry, the median Interest Coverage is 12.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BIO-key International'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 BIO-key International stock overvalued right now?
BIO-key International (STU:BJO0) has a current Interest Coverage of 0 (At Loss). The stock's GF Value™ is €258.50, compared to a current price of €460.80 — trading 78.3% above its estimated fair value. The current Interest Coverage is 0 (At Loss). BIO-key International's overall GF Score™ is 38/100 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 BIO-key International (STU:BJO0), the current Interest Coverage is 0 (At Loss) 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 BIO-key International (STU:BJO0) Overvalued in 2026?
Based on GuruFocus' analysis, BIO-key International stock appears to be overvalued.
The current stock price of €460.80 is trading 78.3% above its estimated GF Value™ of €258.50.
Key valuation signals for STU:BJO0:
Interest Coverage: 0 (At Loss)
GF Value™: €258.50 vs. price of €460.80 (78.3% above fair value)
No single metric tells the full story. See the STU:BJO0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BIO-key International Inc is a identity and access management (IAM) platform provider enabling secure work-from-anywhere for enterprise, education, and government customers using secure multi-factor authentication (MFA). Its products include PortalGuard and PortalGuard Identity-as-a-Service (IDaaS) enterprise IAM, WEB-key biometric civil and large-scale ID infrastructure, MobileAuth mobile phone authentication application for iOS and Android, and high-quality, low-cost accessory fingerprint scanner and FIDO-compliant hardware to provide a full and complete solution for identity-innovating customers. The company operates as one operating segment. Its solutions are Passwordless Authentication, Secure Roving Employees, Education, Financial Services, Government, Healthcare, Manufacturing, etc.
38GF Score
Get the complete analysis for STU:BJO0
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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