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. Stewards's
Operating Income
for the
three
months ended in Sep. 2023 was $-1.06 Mil. Stewards's Interest Expense for the
three
months ended in Sep. 2023 was $-1.43 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 Stewards's Interest Coverage or its related term are showing as below:
SWRD's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 47.86 * Ranked among companies with meaningful Interest Coverage only.
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 .
Stewards Interest Coverage Related Terms
Stewards Interest Coverage Historical Data
* Premium members only.
The historical data trend for Stewards'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.
SWRD vs RAHGF, BWMY, V: Interest Coverage Comparison
For the Credit Services subindustry, Stewards'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.
Stewards Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Stewards's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Stewards'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:
Stewards 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?
Stewards (SWRD) has a Interest Coverage of 0 (At Loss) as of Sep. 2023. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Stewards and its competitors.
Is Stewards' Interest Coverage too high?
Stewards' current Interest Coverage is 0 (At Loss). Overall, Stewards has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does Stewards' Interest Coverage compare to RAHGF and BWMY?
Stewards' Interest Coverage of 0 (At Loss) can be compared against companies in the Credit Services industry. The industry median Interest Coverage is 47.86. 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 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 Stewards and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stewards'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 Stewards stock overvalued right now?
Stewards (SWRD) has a current Interest Coverage of 0 (At Loss). The current Interest Coverage is 0 (At Loss). Stewards' overall GF Score™ is 29/100. 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 Stewards (SWRD), the current Interest Coverage is 0 (At Loss) as of Sep. 2023. 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.
Stewards Inc is a diversified financial services company with two complementary business platforms: Private Credit and Real Estate. It provides alternative financing solutions to small and medium-sized businesses (SMBs) underserved by traditional lenders, while also building a portfolio of income-producing and value enhancing real estate assets. The Private Credit Division provides revenue-based funding and related financing products to SMBs nationwide. The Real Estate Division targets strategic investments in residential, mixed-use, and commercial properties designed to generate stable rental income and have the potential for long-term value appreciation. It operates in two segments Financing Solutions, and Real Estate Operations.
29GF Score
Get the complete analysis for SWRD
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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