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Paycloud HoldingsTSE:4015 +0.19%78 Interest Coverage is 20.31 as of Feb. 2026, which is 16% below its 10-year median of 24.18. GuruFocus rates TSE:4015 with a GF Score™ of 78/100 and a GF Value™ of 円800.23 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,718 Software companies, Paycloud Holdings ranks worse than 53.78% 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. Paycloud Holdings's
Operating Income
for the
six
months ended in Feb. 2026 was 円328 Mil. Paycloud Holdings's Interest Expense for the
six
months ended in Feb. 2026 was 円-16 Mil.
Paycloud Holdings's interest coverage for the quarter that ended in Feb. 2026 was 20.31.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Paycloud Holdings's Interest Coverage or its related term are showing as below:
TSE:4015'
s Interest Coverage Range Over the Past 10 Years
Min: 1.15 Med: 24.18 Max: 187.72
Current: 20.18
TSE:4015's Interest Coverage is ranked worse than 53.78% of 1718
companies
in the Software industry
Industry Median: 24.75
vs TSE:4015: 20.18
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 .
Paycloud Holdings Interest Coverage Related Terms
Paycloud Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Paycloud Holdings'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.
TSE:4015 vs QH, SHOP, UBER: Interest Coverage Comparison
For the Software - Application subindustry, Paycloud Holdings'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.
Paycloud Holdings Interest Coverage vs Software Industry
For the Software industry and Technology sector, Paycloud Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Paycloud Holdings'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.
Paycloud Holdings (TSE:4015) has a Interest Coverage of 20.31 as of Feb. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Paycloud Holdings and its competitors. This is 16% below median its historical median of 24.18. Over the past decade, Paycloud Holdings' Interest Coverage has ranged from 1.15 to 187.72. According to the industry distribution chart, Paycloud Holdings ranks #924 out of 1718 companies in the Software industry, placing it in the top 53.8%.
Is Paycloud Holdings' Interest Coverage too high?
Paycloud Holdings' current Interest Coverage of 20.31 is 16% below median its 10-year median of 24.18. Over the past 10 years, this metric has ranged from a low of 1.15 to a high of 187.72. The Software industry median Interest Coverage is 24.75. Paycloud Holdings' value of 20.31 is 17.9% below this industry median. Based on the distribution chart, Paycloud Holdings ranks #924 out of 1718 companies in the Software industry, which is below the industry midpoint. Overall, Paycloud Holdings has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paycloud Holdings' Interest Coverage compare to QH and SHOP?
According to the Software industry distribution chart, Paycloud Holdings ranks #924 out of 1718 companies for Interest Coverage. This places Paycloud Holdings in the lower half of its industry. The industry median Interest Coverage is 24.75. Paycloud Holdings' value of 20.31 is 17.9% below this benchmark. Historically, Paycloud Holdings' own Interest Coverage has ranged from 1.15 to 187.72 over the past decade. While the company's 10-year median is 24.18 vs. the industry median of 24.75, Paycloud Holdings 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 24.75, based on 1,718 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. Paycloud Holdings's current Interest Coverage of 20.31 is 17.9% 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 Paycloud Holdings and its competitors. For the Software industry, the median Interest Coverage is 24.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paycloud Holdings's current Interest Coverage is 20.31, which is 16% below median its own 10-year median of 24.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paycloud Holdings stock overvalued right now?
Based on GuruFocus' analysis, Paycloud Holdings (TSE:4015) is currently considered Significantly Undervalued. The stock's GF Value™ is 円800.23, compared to a current price of 円541.00 — trading 32.4% below its estimated fair value. The current Interest Coverage is 20.31, which is 16% below median its 10-year median of 24.18 and 17.9% below the Software industry median of 24.75. Paycloud Holdings' overall GF Score™ is 78/100 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 Paycloud Holdings (TSE:4015), the current Interest Coverage is 20.31 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 Paycloud Holdings (TSE:4015) Overvalued in 2026?
Based on GuruFocus' analysis, Paycloud Holdings stock appears to be undervalued.
The current stock price of 円541.00 is trading 32.4% below its estimated GF Value™ of 円800.23.
GuruFocus considers Paycloud Holdings to be Significantly Undervalued.
Key valuation signals for TSE:4015:
Interest Coverage: 20.31 (16% below median its 10-year median of 24.18)
GF Value™: 円800.23 vs. price of 円541.00 (32.4% below fair value)
Industry Position: 17.9% below the Software median (#924 of 1718)
No single metric tells the full story. See the TSE:4015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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