Topicus comTOITF +0.83%58 Interest Coverage is 8.83 as of Mar. 2026, which is 19% below its 10-year median of 10.86. GuruFocus rates TOITF with a GF Score™ of 58/100 and a GF Value™ of $138.67 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,707 Software companies, Topicus com ranks worse than 68.07% 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. Topicus com's
Operating Income
for the
three
months ended in Mar. 2026 was $86 Mil. Topicus com's Interest Expense for the
three
months ended in Mar. 2026 was $-10 Mil.
Topicus com's interest coverage for the quarter that ended in Mar. 2026 was 8.83.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Topicus com's Interest Coverage or its related term are showing as below:
TOITF'
s Interest Coverage Range Over the Past 10 Years
Min: 8.71 Med: 10.86 Max: 20.18
Current: 8.71
TOITF's Interest Coverage is ranked worse than 68.07% of 1707
companies
in the Software industry
Industry Median: 24.65
vs TOITF: 8.71
Topicus com (OTCPK:TOITF) 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 .
Topicus com Interest Coverage Related Terms
Topicus com Interest Coverage Historical Data
* Premium members only.
The historical data trend for Topicus com'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.
TOITF vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, Topicus com'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.
Topicus com Interest Coverage vs Software Industry
For the Software industry and Technology sector, Topicus com's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Topicus com'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.
Topicus com (TOITF) has a Interest Coverage of 8.83 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Topicus com and its competitors. This is 19% below median its historical median of 10.86. Over the past decade, Topicus com's Interest Coverage has ranged from 8.71 to 20.18. According to the industry distribution chart, Topicus com ranks #1162 out of 1707 companies in the Software industry, placing it in the top 68.1%.
Is Topicus com's Interest Coverage too high?
Topicus com's current Interest Coverage of 8.83 is 19% below median its 10-year median of 10.86. Over the past 10 years, this metric has ranged from a low of 8.71 to a high of 20.18. The Software industry median Interest Coverage is 24.65. Topicus com's value of 8.83 is 64.2% below this industry median. Based on the distribution chart, Topicus com ranks #1162 out of 1707 companies in the Software industry, which is below the industry midpoint. Overall, Topicus com has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Topicus com's Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, Topicus com ranks #1162 out of 1707 companies for Interest Coverage. This places Topicus com in the lower half of its industry. The industry median Interest Coverage is 24.65. Topicus com's value of 8.83 is 64.2% below this benchmark. Historically, Topicus com's own Interest Coverage has ranged from 8.71 to 20.18 over the past decade. While the company's 10-year median is 10.86 vs. the industry median of 24.65, Topicus com 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 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. Topicus com's current Interest Coverage of 8.83 is 64.2% 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 Topicus com 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. Topicus com's current Interest Coverage is 8.83, which is 19% below median its own 10-year median of 10.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Topicus com stock overvalued right now?
Based on GuruFocus' analysis, Topicus com (TOITF) is currently considered Significantly Undervalued. The stock's GF Value™ is $138.67, compared to a current price of $65.24 — trading 53% below its estimated fair value. The current Interest Coverage is 8.83, which is 19% below median its 10-year median of 10.86 and 64.2% below the Software industry median of 24.65. Topicus com'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 Topicus com (TOITF), the current Interest Coverage is 8.83 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 Topicus com (TOITF) Overvalued in 2026?
Based on GuruFocus' analysis, Topicus com stock appears to be undervalued.
The current stock price of $65.24 is trading 53% below its estimated GF Value™ of $138.67.
GuruFocus considers Topicus com to be Significantly Undervalued.
Key valuation signals for TOITF:
Interest Coverage: 8.83 (19% below median its 10-year median of 10.86)
GF Value™: $138.67 vs. price of $65.24 (53% below fair value)
Industry Position: 64.2% below the Software median (#1162 of 1707)
No single metric tells the full story. See the TOITF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Topicus com Inc is engaged in the development, installation, and customization of vertical market software and the provision of related professional services and support for customers across several diverse markets, mainly in Europe. Its revenue consists mainly of software license fees, maintenance and other recurring fees, professional service fees, and hardware sales. Geographically, the company generates maximum revenue from its business in the Netherlands, and the rest from other markets.
58GF Score
Get the complete analysis for TOITF
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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