Cryo-Cell InternationalSTU:ZCY +5.88%58 Interest Coverage is 1.65 as of Feb. 2026, which is 45% below its 10-year median of 3.01. GuruFocus rates STU:ZCY with a GF Score™ of 58/100 and a GF Value™ of €4.92 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 454 Healthcare Providers & Services companies, Cryo-Cell International ranks worse than 80.84% 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. Cryo-Cell International's
Operating Income
for the
three
months ended in Feb. 2026 was €0.65 Mil. Cryo-Cell International's Interest Expense for the
three
months ended in Feb. 2026 was €-0.39 Mil.
Cryo-Cell International's interest coverage for the quarter that ended in Feb. 2026 was 1.65.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Cryo-Cell International's Interest Coverage or its related term are showing as below:
STU:ZCY'
s Interest Coverage Range Over the Past 10 Years
Min: 2.03 Med: 3.01 Max: 4.54
Current: 2.24
STU:ZCY's Interest Coverage is ranked worse than 80.84% of 454
companies
in the Healthcare Providers & Services industry
Industry Median: 8
vs STU:ZCY: 2.24
Cryo-Cell International (STU:ZCY) 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 .
Cryo-Cell International Interest Coverage Related Terms
Cryo-Cell International Interest Coverage Historical Data
* Premium members only.
The historical data trend for Cryo-Cell 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:ZCY vs CCM, CDIX, EHSI: Interest Coverage Comparison
For the Medical Care Facilities subindustry, Cryo-Cell 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.
Cryo-Cell International Interest Coverage vs Healthcare Providers & Services Industry
For the Healthcare Providers & Services industry and Healthcare sector, Cryo-Cell International's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Cryo-Cell International's Interest Coverage falls into.
Cryo-Cell 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:
* 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.
Cryo-Cell International (STU:ZCY) has a Interest Coverage of 1.65 as of Feb. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Cryo-Cell International and its competitors. This is 45% below median its historical median of 3.01. Over the past decade, Cryo-Cell International's Interest Coverage has ranged from 2.03 to 4.54. According to the industry distribution chart, Cryo-Cell International ranks #367 out of 454 companies in the Healthcare Providers & Services industry, placing it in the top 80.8%.
Is Cryo-Cell International's Interest Coverage too high?
Cryo-Cell International's current Interest Coverage of 1.65 is 45% below median its 10-year median of 3.01. Over the past 10 years, this metric has ranged from a low of 2.03 to a high of 4.54. The Healthcare Providers & Services industry median Interest Coverage is 8.00. Cryo-Cell International's value of 1.65 is 79.4% below this industry median. Based on the distribution chart, Cryo-Cell International ranks #367 out of 454 companies in the Healthcare Providers & Services industry, which is in the bottom quartile relative to peers. Overall, Cryo-Cell International has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Cryo-Cell International's Interest Coverage compare to CCM and CDIX?
According to the Healthcare Providers & Services industry distribution chart, Cryo-Cell International ranks #367 out of 454 companies for Interest Coverage. This places Cryo-Cell International in the lower half of its industry. The industry median Interest Coverage is 8.00. Cryo-Cell International's value of 1.65 is 79.4% below this benchmark. Historically, Cryo-Cell International's own Interest Coverage has ranged from 2.03 to 4.54 over the past decade. While the company's 10-year median is 3.01 vs. the industry median of 8.00, Cryo-Cell International has consistently been below 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 Healthcare Providers & Services company?
The median Interest Coverage among Healthcare Providers & Services companies is 8.00, based on 454 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. Cryo-Cell International's current Interest Coverage of 1.65 is 79.4% below 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 Cryo-Cell International and its competitors. For the Healthcare Providers & Services industry, the median Interest Coverage is 8.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cryo-Cell International's current Interest Coverage is 1.65, which is 45% below median its own 10-year median of 3.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cryo-Cell International stock overvalued right now?
Based on GuruFocus' analysis, Cryo-Cell International (STU:ZCY) is currently considered Possible Value Trap. The stock's GF Value™ is €4.92, compared to a current price of €2.88 — trading 41.5% below its estimated fair value. The current Interest Coverage is 1.65, which is 45% below median its 10-year median of 3.01 and 79.4% below the Healthcare Providers & Services industry median of 8.00. Cryo-Cell International's overall GF Score™ is 58/100 with 5 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 Cryo-Cell International (STU:ZCY), the current Interest Coverage is 1.65 as of Feb. 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 Cryo-Cell International (STU:ZCY) Overvalued in 2026?
Based on GuruFocus' analysis, Cryo-Cell International stock appears to be undervalued.
The current stock price of €2.88 is trading 41.5% below its estimated GF Value™ of €4.92.
GuruFocus considers Cryo-Cell International to be Possible Value Trap.
Key valuation signals for STU:ZCY:
Interest Coverage: 1.65 (45% below median its 10-year median of 3.01)
GF Value™: €4.92 vs. price of €2.88 (41.5% below fair value)
Industry Position: 79.4% below the Healthcare Providers & Services median (#367 of 454)
No single metric tells the full story. See the STU:ZCY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cryo-Cell International Inc is engaged in cellular processing and cryogenic storage. The company is organized into three reportable segments namely cellular processing and cryogenic storage, with a focus on the collection and preservation of umbilical cord blood and tissue stem cells for family use and the manufacturing of PrepaCyte CB units segment, which is a processing technology used to process umbilical cord blood stem cells. The cellular processing and cryogenic storage of umbilical cord blood stem cells for public use. The company generates maximum revenue from Cellular processing and Cryogenic storage and it derives revenue from processing and testing fees and Storage segment.
58GF Score
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