Element Lifestyle Retirement (TSXV:ELM) Interest Coverage: 0.58 (As of Feb. 2026) — 100% Below Median


What is Element Lifestyle Retirement Interest Coverage?

Element Lifestyle Retirement TSXV:ELM Interest Coverage is 0.58 as of Feb. 2026, which is 100% below its 10-year median of 5,000.41. The stock has 4 warning signs investors should review. Among 453 Healthcare Providers & Services companies, Element Lifestyle Retirement ranks worse than 97.13% 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. Element Lifestyle Retirement's Operating Income for the three months ended in Feb. 2026 was C$0.03 Mil. Element Lifestyle Retirement's Interest Expense for the three months ended in Feb. 2026 was C$-0.05 Mil. Element Lifestyle Retirement's interest coverage for the quarter that ended in Feb. 2026 was 0.58. 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. Element Lifestyle Retirement Incs earnings cannot cover its interest expense. If the situation continues, the company may have to issue more debt.

The historical rank and industry rank for Element Lifestyle Retirement's Interest Coverage or its related term are showing as below:

TSXV:ELM' s Interest Coverage Range Over the Past 10 Years
Min: 0.07   Med: 5000.41   Max: No Debt
Current: 0.4

TSXV:ELM's Interest Coverage is ranked worse than
97.13% of 453 companies
in the Healthcare Providers & Services industry
Industry Median: 7.98 vs TSXV:ELM: 0.40

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

Element Lifestyle Retirement  (TSXV:ELM) 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 .

Element Lifestyle Retirement Interest Coverage Related Terms

Element Lifestyle Retirement Interest Coverage Historical Data

* Premium members only.

The historical data trend for Element Lifestyle Retirement'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.

Element Lifestyle Retirement Interest Coverage Chart

Element Lifestyle Retirement Annual Data
Trend May16 May17 May18 May19 May20 May21 May22 May23 May24 May25
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.82 0.00 0.00 0.07

Element Lifestyle Retirement Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.62 0.00 0.55 1.52 0.58

TSXV:ELM vs HCA, THC, DVA: Interest Coverage Comparison

For the Medical Care Facilities subindustry, Element Lifestyle Retirement'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.

Element Lifestyle Retirement Interest Coverage vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Element Lifestyle Retirement's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Element Lifestyle Retirement's Interest Coverage falls into.


Element Lifestyle Retirement 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

Interest Coverage=-1* Operating Income /Interest Expense

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

The company did not have earnings to cover the interest expense.

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

The company had no debt (1).


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

Element Lifestyle Retirement's Interest Coverage for the fiscal year that ended in May. 2025 is calculated as

Here, for the fiscal year that ended in May. 2025, Element Lifestyle Retirement's Interest Expense was C$-0.30 Mil. Its Operating Income was C$0.02 Mil. And its Long-Term Debt & Capital Lease Obligation was C$2.19 Mil.

Interest Coverage=-1* Operating Income (A: May. 2025 )/Interest Expense (A: May. 2025 )
=-1*0.02/-0.303
=0.07

Element Lifestyle Retirement's Interest Coverage for the quarter that ended in Feb. 2026 is calculated as

Here, for the three months ended in Feb. 2026, Element Lifestyle Retirement's Interest Expense was C$-0.05 Mil. Its Operating Income was C$0.03 Mil. And its Long-Term Debt & Capital Lease Obligation was C$1.77 Mil.

Interest Coverage=-1* Operating Income (Q: Feb. 2026 )/Interest Expense (Q: Feb. 2026 )
=-1*0.029/-0.05
=0.58

* 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.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 0.58 mean?
Element Lifestyle Retirement (TSXV:ELM) has a Interest Coverage of 0.58 as of Feb. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Element Lifestyle Retirement and its competitors. This is 100% below median its historical median of 5,000.41. Over the past decade, Element Lifestyle Retirement's Interest Coverage has ranged from 0.07 to 10,000.00. According to the industry distribution chart, Element Lifestyle Retirement ranks #440 out of 453 companies in the Healthcare Providers & Services industry, placing it in the top 97.1%.
Is Element Lifestyle Retirement's Interest Coverage too high?
Element Lifestyle Retirement's current Interest Coverage of 0.58 is 100% below median its 10-year median of 5,000.41. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 10,000.00. The Healthcare Providers & Services industry median Interest Coverage is 7.98. Element Lifestyle Retirement's value of 0.58 is 92.7% below this industry median. Based on the distribution chart, Element Lifestyle Retirement ranks #440 out of 453 companies in the Healthcare Providers & Services industry, which is in the bottom quartile relative to peers.
How does Element Lifestyle Retirement's Interest Coverage compare to HCA and THC?
According to the Healthcare Providers & Services industry distribution chart, Element Lifestyle Retirement ranks #440 out of 453 companies for Interest Coverage. This places Element Lifestyle Retirement in the lower half of its industry. The industry median Interest Coverage is 7.98. Element Lifestyle Retirement's value of 0.58 is 92.7% below this benchmark. Historically, Element Lifestyle Retirement's own Interest Coverage has ranged from 0.07 to 10,000.00 over the past decade. While the company's 10-year median is 5,000.41 vs. the industry median of 7.98, Element Lifestyle Retirement 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 Healthcare Providers & Services company?
The median Interest Coverage among Healthcare Providers & Services companies is 7.98, based on 453 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. Element Lifestyle Retirement's current Interest Coverage of 0.58 is 92.7% 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 Element Lifestyle Retirement and its competitors. For the Healthcare Providers & Services industry, the median Interest Coverage is 7.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Element Lifestyle Retirement's current Interest Coverage is 0.58, which is 100% below median its own 10-year median of 5,000.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Element Lifestyle Retirement stock overvalued right now?
Based on GuruFocus' analysis, Element Lifestyle Retirement (TSXV:ELM) is currently considered Fairly Valued. The stock's GF Value™ is C$0.01, compared to a current price of C$0.01 — trading right at its estimated fair value. The current Interest Coverage is 0.58, which is 100% below median its 10-year median of 5,000.41 and 92.7% below the Healthcare Providers & Services industry median of 7.98. 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 Element Lifestyle Retirement (TSXV:ELM), the current Interest Coverage is 0.58 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.

Element Lifestyle Retirement Business Description

Address 438 West King Edward Avenue, Vancouver, BC, CAN, V5Y 0M5
Element Lifestyle Retirement Inc is a Canada based company that operates retirement communities. The company provides specialized development expertise and flexible, management services for senior retirement communities. Its consulting services include property selection, assembly, and acquisition; municipal approval and land entitlement processes; financing; marketing, sales, and leasing, and construction project management.