SBI AruhiTSE:7198 +1.28%61 Interest Coverage is 1.17 as of Mar. 2026, which is 56% below its 10-year median of 2.63. GuruFocus rates TSE:7198 with a GF Score™ of 61/100 and a GF Value™ of 円904.91 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 21 Banks companies, SBI Aruhi ranks worse than 90.48% 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. SBI Aruhi's
Operating Income
for the
three
months ended in Mar. 2026 was 円1,871 Mil. SBI Aruhi's Interest Expense for the
three
months ended in Mar. 2026 was 円-1,596 Mil.
SBI Aruhi's interest coverage for the quarter that ended in Mar. 2026 was 1.17.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. SBI Aruhi Corp interest coverage is 1.45, which is low.
The historical rank and industry rank for SBI Aruhi's Interest Coverage or its related term are showing as below:
TSE:7198'
s Interest Coverage Range Over the Past 10 Years
Min: 1.45 Med: 2.63 Max: 3.96
Current: 1.45
TSE:7198's Interest Coverage is ranked worse than 90.48% of 21
companies
in the Banks industry
Industry Median: 22.68
vs TSE:7198: 1.45
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 .
SBI Aruhi Interest Coverage Related Terms
SBI Aruhi Interest Coverage Historical Data
* Premium members only.
The historical data trend for SBI Aruhi'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:7198 vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, SBI Aruhi'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.
SBI Aruhi Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, SBI Aruhi's Interest Coverage distribution charts can be found below:
* The bar in red indicates where SBI Aruhi'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.
SBI Aruhi (TSE:7198) has a Interest Coverage of 1.17 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SBI Aruhi and its competitors. This is 56% below median its historical median of 2.63. Over the past decade, SBI Aruhi's Interest Coverage has ranged from 1.45 to 3.96. According to the industry distribution chart, SBI Aruhi ranks #19 out of 21 companies in the Banks industry, placing it in the top 90.5%.
Is SBI Aruhi's Interest Coverage too high?
SBI Aruhi's current Interest Coverage of 1.17 is 56% below median its 10-year median of 2.63. Over the past 10 years, this metric has ranged from a low of 1.45 to a high of 3.96. The Banks industry median Interest Coverage is 22.68. SBI Aruhi's value of 1.17 is 94.8% below this industry median. Based on the distribution chart, SBI Aruhi ranks #19 out of 21 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SBI Aruhi has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Aruhi's Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, SBI Aruhi ranks #19 out of 21 companies for Interest Coverage. This places SBI Aruhi in the lower half of its industry. The industry median Interest Coverage is 22.68. SBI Aruhi's value of 1.17 is 94.8% below this benchmark. Historically, SBI Aruhi's own Interest Coverage has ranged from 1.45 to 3.96 over the past decade. While the company's 10-year median is 2.63 vs. the industry median of 22.68, SBI Aruhi 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 Banks company?
The median Interest Coverage among Banks companies is 22.68, based on 21 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. SBI Aruhi's current Interest Coverage of 1.17 is 94.8% 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 SBI Aruhi and its competitors. For the Banks industry, the median Interest Coverage is 22.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Aruhi's current Interest Coverage is 1.17, which is 56% below median its own 10-year median of 2.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Aruhi stock overvalued right now?
Based on GuruFocus' analysis, SBI Aruhi (TSE:7198) is currently considered Modestly Undervalued. The stock's GF Value™ is 円904.91, compared to a current price of 円791.00 — trading 12.6% below its estimated fair value. The current Interest Coverage is 1.17, which is 56% below median its 10-year median of 2.63 and 94.8% below the Banks industry median of 22.68. SBI Aruhi's overall GF Score™ is 61/100 with 9 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 SBI Aruhi (TSE:7198), the current Interest Coverage is 1.17 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 SBI Aruhi (TSE:7198) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Aruhi stock appears to be undervalued.
The current stock price of 円791.00 is trading 12.6% below its estimated GF Value™ of 円904.91.
GuruFocus considers SBI Aruhi to be Modestly Undervalued.
Key valuation signals for TSE:7198:
Interest Coverage: 1.17 (56% below median its 10-year median of 2.63)
GF Value™: 円904.91 vs. price of 円791.00 (12.6% below fair value)
Industry Position: 94.8% below the Banks median (#19 of 21)
No single metric tells the full story. See the TSE:7198 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Aruhi Corp is a Japan-based mortgage specialist financial institution. The company provides insurance brokerage, mortgage lending, bank agency and other services.
61GF Score
Get the complete analysis for TSE:7198
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TSE:7198 has been successfully added to your 
