I'll (TSE:3854) Interest Coverage: No Debt ⁽¹⁾ (As of Jan. 2026) — 100% Below Median

I'll  (TSE:3854) 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 .

I'll Interest Coverage Related Terms

The historical data trend for I'll'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.

I'll Interest Coverage Chart

I'll Annual Data
	Trend	Jul16	Jul17	Jul18	Jul19	Jul20	Jul21	Jul22	Jul23	Jul24	Jul25
Interest Coverage		Get a 7-Day Free Trial					1,263.65	1,766.54	5,104.47	7,910.60	653.85

I'll Quarterly Data
	Apr21	Jul21	Oct21	Jan22	Apr22	Jul22	Oct22	Jan23	Apr23	Jul23	Oct23	Jan24	Apr24	Jul24	Oct24	Jan25	Apr25	Jul25	Jan26	Apr26
Interest Coverage	Get a 7-Day Free Trial															372.08	345.22	2,851.16	No Debt	2,887.64

TSE:3854 vs IBM, ACN, FISV: Interest Coverage Comparison

For the Information Technology Services subindustry, I'll'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.

I'll Interest Coverage vs Software Industry

For the Software industry and Technology sector, I'll's Interest Coverage distribution charts can be found below:

* The bar in red indicates where I'll's Interest Coverage falls into.

I'll 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:

If Interest Expense is negative and Operating Income is positive, then

Else if Interest Expense is negative and Operating Income is negative, then

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

I'll's Interest Coverage for the fiscal year that ended in Jul. 2025 is calculated as

Here, for the fiscal year that ended in Jul. 2025, I'll's Interest Expense was 円-7 Mil. Its Operating Income was 円4,819 Mil. And its Long-Term Debt & Capital Lease Obligation was 円0 Mil.

I'll's Interest Coverage for the quarter that ended in Jan. 2026 is calculated as

Here, for the three months ended in Jan. 2026, I'll's Interest Expense was 円0 Mil. Its Operating Income was 円0 Mil. And its Long-Term Debt & Capital Lease Obligation was 円0 Mil.

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

I'll Business Description