CapiteaWAR:CAP -0.45%61 Interest Coverage is 9.68 as of Mar. 2026, which is 5% below its 10-year median of 10.22. GuruFocus rates WAR:CAP with a GF Score™ of 61/100 and a GF Value™ of zł0.59 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 164 Credit Services companies, Capitea ranks worse than 54.27% 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. Capitea's
Operating Income
for the
three
months ended in Mar. 2026 was zł0.7 Mil. Capitea's Interest Expense for the
three
months ended in Mar. 2026 was zł-0.1 Mil.
Capitea's interest coverage for the quarter that ended in Mar. 2026 was 9.68.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Capitea's Interest Coverage or its related term are showing as below:
WAR:CAP'
s Interest Coverage Range Over the Past 10 Years
Min: 0.01 Med: 10.22 Max: 389.68
Current: 32.19
WAR:CAP's Interest Coverage is ranked worse than 54.27% of 164
companies
in the Credit Services industry
Industry Median: 49.41
vs WAR:CAP: 32.19
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 .
Capitea Interest Coverage Related Terms
Capitea Interest Coverage Historical Data
* Premium members only.
The historical data trend for Capitea'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.
WAR:CAP vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Capitea'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.
Capitea Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capitea's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Capitea'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.
Capitea (WAR:CAP) has a Interest Coverage of 9.68 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Capitea and its competitors. This is near median its historical median of 10.22. Over the past decade, Capitea's Interest Coverage has ranged from 0.01 to 389.68. According to the industry distribution chart, Capitea ranks #89 out of 164 companies in the Credit Services industry, placing it in the top 54.3%.
Is Capitea's Interest Coverage too high?
Capitea's current Interest Coverage of 9.68 is near median its 10-year median of 10.22. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 389.68. The Credit Services industry median Interest Coverage is 49.41. Capitea's value of 9.68 is 80.4% below this industry median. Based on the distribution chart, Capitea ranks #89 out of 164 companies in the Credit Services industry, which is below the industry midpoint. Overall, Capitea has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Capitea's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Capitea ranks #89 out of 164 companies for Interest Coverage. This places Capitea in the lower half of its industry. The industry median Interest Coverage is 49.41. Capitea's value of 9.68 is 80.4% below this benchmark. Historically, Capitea's own Interest Coverage has ranged from 0.01 to 389.68 over the past decade. While the company's 10-year median is 10.22 vs. the industry median of 49.41, Capitea 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 164 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. Capitea's current Interest Coverage of 9.68 is 80.4% 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 Capitea and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitea's current Interest Coverage is 9.68, which is near median its own 10-year median of 10.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capitea stock overvalued right now?
Based on GuruFocus' analysis, Capitea (WAR:CAP) is currently considered Modestly Undervalued. The stock's GF Value™ is zł0.59, compared to a current price of zł0.44 — trading 25.8% below its estimated fair value. The current Interest Coverage is 9.68, which is near median its 10-year median of 10.22 and 80.4% below the Credit Services industry median of 49.41. Capitea's overall GF Score™ is 61/100 with 3 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 Capitea (WAR:CAP), the current Interest Coverage is 9.68 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 Capitea (WAR:CAP) Overvalued in 2026?
Based on GuruFocus' analysis, Capitea stock appears to be undervalued.
The current stock price of zł0.44 is trading 25.8% below its estimated GF Value™ of zł0.59.
GuruFocus considers Capitea to be Modestly Undervalued.
Key valuation signals for WAR:CAP:
Interest Coverage: 9.68 (near median its 10-year median of 10.22)
GF Value™: zł0.59 vs. price of zł0.44 (25.8% below fair value)
Industry Position: 80.4% below the Credit Services median (#89 of 164)
No single metric tells the full story. See the WAR:CAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capitea SA, formerly Getback Spolka Akcyjna is an account receivable manager engaged in the recovery of acquired debts and management of debt portfolios in securitization funds, including restructuring and recovery of acquired debts.
61GF Score
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