ZEAL Network SESTU:TIM -1.40%87 Interest Coverage is 19.58 as of Mar. 2026, which is 40% below its 10-year median of 32.44. GuruFocus rates STU:TIM with a GF Score™ of 87/100 and a GF Value™ of €68.99 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 611 Travel & Leisure companies, ZEAL Network SE ranks better than 66.94% 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. ZEAL Network SE's
Operating Income
for the
three
months ended in Mar. 2026 was €13.1 Mil. ZEAL Network SE's Interest Expense for the
three
months ended in Mar. 2026 was €-0.7 Mil.
ZEAL Network SE's interest coverage for the quarter that ended in Mar. 2026 was 19.58.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for ZEAL Network SE's Interest Coverage or its related term are showing as below:
STU:TIM'
s Interest Coverage Range Over the Past 10 Years
Min: 10.25 Med: 32.44 Max: 210.77
Current: 14.61
STU:TIM's Interest Coverage is ranked better than 66.94% of 611
companies
in the Travel & Leisure industry
Industry Median: 5.35
vs STU:TIM: 14.61
ZEAL Network SE (STU:TIM) 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 .
ZEAL Network SE Interest Coverage Related Terms
ZEAL Network SE Interest Coverage Historical Data
* Premium members only.
The historical data trend for ZEAL Network SE'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:TIM vs FLUT, DKNG, SGHC: Interest Coverage Comparison
For the Gambling subindustry, ZEAL Network SE'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.
ZEAL Network SE Interest Coverage vs Travel & Leisure Industry
For the Travel & Leisure industry and Consumer Cyclical sector, ZEAL Network SE's Interest Coverage distribution charts can be found below:
* The bar in red indicates where ZEAL Network SE'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.
ZEAL Network SE (STU:TIM) has a Interest Coverage of 19.58 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on ZEAL Network SE and its competitors. This is 40% below median its historical median of 32.44. Over the past decade, ZEAL Network SE's Interest Coverage has ranged from 10.25 to 210.77. According to the industry distribution chart, ZEAL Network SE ranks #202 out of 611 companies in the Travel & Leisure industry, placing it in the top 33.1%.
Is ZEAL Network SE's Interest Coverage too high?
ZEAL Network SE's current Interest Coverage of 19.58 is 40% below median its 10-year median of 32.44. Over the past 10 years, this metric has ranged from a low of 10.25 to a high of 210.77. The Travel & Leisure industry median Interest Coverage is 5.35. ZEAL Network SE's value of 19.58 is 266% above this industry median. Based on the distribution chart, ZEAL Network SE ranks #202 out of 611 companies in the Travel & Leisure industry, which is above the industry midpoint. Overall, ZEAL Network SE has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ZEAL Network SE's Interest Coverage compare to FLUT and DKNG?
According to the Travel & Leisure industry distribution chart, ZEAL Network SE ranks #202 out of 611 companies for Interest Coverage. This puts ZEAL Network SE in the upper half of its industry. The industry median Interest Coverage is 5.35. ZEAL Network SE's value of 19.58 is 266% above this benchmark. Historically, ZEAL Network SE's own Interest Coverage has ranged from 10.25 to 210.77 over the past decade. While the company's 10-year median is 32.44 vs. the industry median of 5.35, ZEAL Network SE 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 Travel & Leisure company?
The median Interest Coverage among Travel & Leisure companies is 5.35, based on 611 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. ZEAL Network SE's current Interest Coverage of 19.58 is 266% 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 ZEAL Network SE and its competitors. For the Travel & Leisure industry, the median Interest Coverage is 5.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZEAL Network SE's current Interest Coverage is 19.58, which is 40% below median its own 10-year median of 32.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZEAL Network SE stock overvalued right now?
Based on GuruFocus' analysis, ZEAL Network SE (STU:TIM) is currently considered Significantly Undervalued. The stock's GF Value™ is €68.99, compared to a current price of €42.30 — trading 38.7% below its estimated fair value. The current Interest Coverage is 19.58, which is 40% below median its 10-year median of 32.44 and 266% above the Travel & Leisure industry median of 5.35. ZEAL Network SE's overall GF Score™ is 87/100 with 2 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 ZEAL Network SE (STU:TIM), the current Interest Coverage is 19.58 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 ZEAL Network SE (STU:TIM) Overvalued in 2026?
Based on GuruFocus' analysis, ZEAL Network SE stock appears to be undervalued.
The current stock price of €42.30 is trading 38.7% below its estimated GF Value™ of €68.99.
GuruFocus considers ZEAL Network SE to be Significantly Undervalued.
Key valuation signals for STU:TIM:
Interest Coverage: 19.58 (40% below median its 10-year median of 32.44)
GF Value™: €68.99 vs. price of €42.30 (38.7% below fair value)
Industry Position: 266% above the Travel & Leisure median (#202 of 611)
No single metric tells the full story. See the STU:TIM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ZEAL Network SE is an e-commerce group of companies company specializing in the area of online lottery. The company offers consumer-facing lottery-based games as well as business-to-business solutions. The operating business segments are Germany and Other. The ZEAL group now has more than one million active customers. ZEAL allows the participation in state-licensed lotteries via the LOTTO24 and Tipp24 brands and also offers its own lottery products. ZEAL operates under its owns brands namely ZEAL Instant Games, ZEAL Ventures and ZEAL Iberia.
87GF Score
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