Monni NVSTU:KY3 58 Interest Coverage is 0 (At Loss) as of Dec. 2025. GuruFocus rates STU:KY3 with a GF Score™ of 58/100 and a GF Value™ of €7.51. The stock has 4 warning signs investors should review. Among 1,707 Software companies, Monni NV ranks better than 70.3% 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. Monni NV's
Operating Income
for the
six
months ended in Dec. 2025 was €0.96 Mil. Monni NV's Interest Expense for the
six
months ended in Dec. 2025 was €0.62 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Monni NV has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Monni NV's Interest Coverage or its related term are showing as below:
STU:KY3'
s Interest Coverage Range Over the Past 10 Years
Min: 12.48 Med: 62.69 Max: 175.79
Current: 120.05
STU:KY3's Interest Coverage is ranked better than 70.3% of 1707
companies
in the Software industry
Industry Median: 24.65
vs STU:KY3: 120.05
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 .
Monni NV Interest Coverage Related Terms
Monni NV Interest Coverage Historical Data
* Premium members only.
The historical data trend for Monni NV'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:KY3 vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, Monni NV'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.
Monni NV Interest Coverage vs Software Industry
For the Software industry and Technology sector, Monni NV's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Monni NV'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.
What does a Interest Coverage of 0 (At Loss) mean?
Monni NV (STU:KY3) 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 Monni NV and its competitors. Over the past decade, Monni NV's Interest Coverage has ranged from 12.48 to 175.79. According to the industry distribution chart, Monni NV ranks #507 out of 1707 companies in the Software industry, placing it in the top 29.7%.
Is Monni NV's Interest Coverage too high?
Monni NV's current Interest Coverage is 0 (At Loss). Over the past 10 years, this metric has ranged from a low of 12.48 to a high of 175.79. Based on the distribution chart, Monni NV ranks #507 out of 1707 companies in the Software industry, which is above the industry midpoint. Overall, Monni NV has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Monni NV's Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, Monni NV ranks #507 out of 1707 companies for Interest Coverage. This puts Monni NV in the upper half of its industry. The industry median Interest Coverage is 24.65. Historically, Monni NV's own Interest Coverage has ranged from 12.48 to 175.79 over the past decade. 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 24.65, based on 1,707 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 Monni NV and its competitors. For the Software industry, the median Interest Coverage is 24.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Monni NV'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 Monni NV stock overvalued right now?
Monni NV (STU:KY3) has a current Interest Coverage of 0 (At Loss). The stock's GF Value™ is €7.51, compared to a current price of €9.00 — trading 19.8% above its estimated fair value. The current Interest Coverage is 0 (At Loss). Monni NV's overall GF Score™ is 58/100 with 4 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 Monni NV (STU:KY3), 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 Monni NV (STU:KY3) Overvalued in 2026?
Based on GuruFocus' analysis, Monni NV stock appears to be overvalued.
The current stock price of €9.00 is trading 19.8% above its estimated GF Value™ of €7.51.
Key valuation signals for STU:KY3:
Interest Coverage: 0 (At Loss)
GF Value™: €7.51 vs. price of €9.00 (19.8% above fair value)
No single metric tells the full story. See the STU:KY3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Monni NV is a provider of electronic payment and transaction processing solutions, as well as a software developer of payment-related solutions. Its products are Payment terminals and POS systems. The group serves in the sectors of Catering & Hospitality, Liberal Professions, Retail & Service Points, and Government & Public Sector.
58GF Score
Get the complete analysis for STU:KY3
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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