Fundusz Hipoteczny Dom (WAR:FHD) Interest Coverage: No Debt (1) (As of Sep. 2025) — 100% Below Median


WAR:FHD Fundusz Hipoteczny Dom SA WAR:FHD
24 GF Score
Price zł3.70
! 3 Warning Signs
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What is Fundusz Hipoteczny Dom Interest Coverage?

Fundusz Hipoteczny Dom WAR:FHD 24 Interest Coverage is No Debt (1) as of Sep. 2025, which is 100% below its 10-year median of 10,000.00. GuruFocus rates WAR:FHD with a GF Score™ of 24/100. The stock has 3 warning signs investors should review. Among 21 Banks companies, Fundusz Hipoteczny Dom ranks worse than 61.9% 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. Fundusz Hipoteczny Dom's Operating Income for the three months ended in Sep. 2025 was zł-2.12 Mil. Fundusz Hipoteczny Dom's Interest Expense for the three months ended in Sep. 2025 was zł0.00 Mil. Fundusz Hipoteczny Dom has no debt. The higher the ratio, the stronger the company's financial strength is.

(1) 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.

The historical rank and industry rank for Fundusz Hipoteczny Dom's Interest Coverage or its related term are showing as below:

WAR:FHD' s Interest Coverage Range Over the Past 10 Years
Min: 19.28   Med: No Debt   Max: No Debt
Current: 19.28


WAR:FHD's Interest Coverage is ranked worse than
61.9% of 21 companies
in the Banks industry
Industry Median: 22.68 vs WAR:FHD: 19.28

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


Fundusz Hipoteczny Dom  (WAR:FHD) 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 .


Fundusz Hipoteczny Dom Interest Coverage Related Terms


Fundusz Hipoteczny Dom Interest Coverage Historical Data

* Premium members only.

The historical data trend for Fundusz Hipoteczny Dom'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.

Fundusz Hipoteczny Dom Interest Coverage Chart

Fundusz Hipoteczny Dom Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 No Debt No Debt N/A N/A

Fundusz Hipoteczny Dom Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
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 N/A N/A N/A 0.00 No Debt

WAR:FHD vs RKT, FNMA, PFSI: Interest Coverage Comparison

For the Mortgage Finance subindustry, Fundusz Hipoteczny Dom'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.


Fundusz Hipoteczny Dom Interest Coverage vs Banks Industry

For the Banks industry and Financial Services sector, Fundusz Hipoteczny Dom's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Fundusz Hipoteczny Dom's Interest Coverage falls into.


WAR:FHD
24GF Score
Fundusz Hipoteczny Dom SA WAR:FHD
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
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Fundusz Hipoteczny Dom 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.

Fundusz Hipoteczny Dom's Interest Coverage for the fiscal year that ended in Dec. 2024 is calculated as

Here, for the fiscal year that ended in Dec. 2024, Fundusz Hipoteczny Dom's Interest Expense was zł0.00 Mil. Its Operating Income was zł-2.70 Mil. And its Long-Term Debt & Capital Lease Obligation was zł1.14 Mil.

GuruFocus does not calculate Fundusz Hipoteczny Dom's interest coverage with the available data.

Fundusz Hipoteczny Dom's Interest Coverage for the quarter that ended in Sep. 2025 is calculated as

Here, for the three months ended in Sep. 2025, Fundusz Hipoteczny Dom's Interest Expense was zł0.00 Mil. Its Operating Income was zł-2.12 Mil. And its Long-Term Debt & Capital Lease Obligation was zł0.00 Mil.

Fundusz Hipoteczny Dom had no debt (1).

* 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 No Debt <sup>(1)</sup> mean?
Fundusz Hipoteczny Dom (WAR:FHD) has a Interest Coverage of No Debt (1) as of Sep. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Fundusz Hipoteczny Dom and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, Fundusz Hipoteczny Dom's Interest Coverage has ranged from 19.28 to 10,000.00. According to the industry distribution chart, Fundusz Hipoteczny Dom ranks #13 out of 21 companies in the Banks industry, placing it in the top 61.9%.
Is Fundusz Hipoteczny Dom's Interest Coverage too high?
Fundusz Hipoteczny Dom's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 19.28 to a high of 10,000.00. Based on the distribution chart, Fundusz Hipoteczny Dom ranks #13 out of 21 companies in the Banks industry, which is below the industry midpoint. Overall, Fundusz Hipoteczny Dom has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Fundusz Hipoteczny Dom's Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, Fundusz Hipoteczny Dom ranks #13 out of 21 companies for Interest Coverage. This places Fundusz Hipoteczny Dom in the lower half of its industry. The industry median Interest Coverage is 22.68. Historically, Fundusz Hipoteczny Dom's own Interest Coverage has ranged from 19.28 to 10,000.00 over the past decade. 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. 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 Fundusz Hipoteczny Dom 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. Fundusz Hipoteczny Dom's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fundusz Hipoteczny Dom stock overvalued right now?
Fundusz Hipoteczny Dom (WAR:FHD) has a current Interest Coverage of No Debt (1). The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 10,000.00. Fundusz Hipoteczny Dom's overall GF Score™ is 24/100 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 Fundusz Hipoteczny Dom (WAR:FHD), the current Interest Coverage is No Debt (1) as of Sep. 2025. 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.

Fundusz Hipoteczny Dom Business Description

Address al. Jana Pawla II 29, Warsaw, POL, 00-867
Fundusz Hipoteczny Dom SA offers reverse mortgages services enabling oldest member who are owners of residential real estate to use its property and release its value in the form of cash benefits received.
24GF Score

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