Garin AIWAR:GAR +5.00%19 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates WAR:GAR with a GF Score™ of 19/100. The stock has 1 warning sign investors should review. Among 1,704 Software companies, Garin AI ranks worse than 58685.39% 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. Garin AI's
Operating Income
for the
three
months ended in Mar. 2026 was zł-0.29 Mil. Garin AI's Interest Expense for the
three
months ended in Mar. 2026 was zł0.00 Mil.
Garin AI 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 Garin AI's Interest Coverage or its related term are showing as below:
WAR:GAR's Interest Coverage is not ranked *
in the Software industry.
Industry Median: 24.625 * Ranked among companies with meaningful Interest Coverage only.
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 .
Garin AI Interest Coverage Related Terms
Garin AI Interest Coverage Historical Data
* Premium members only.
The historical data trend for Garin AI'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:GAR vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, Garin AI'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.
Garin AI Interest Coverage vs Software Industry
For the Software industry and Technology sector, Garin AI's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Garin AI'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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Garin AI (WAR:GAR) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Garin AI and its competitors. This is 100% below median its historical median of 10,000.00. According to the industry distribution chart, Garin AI ranks #999999 out of 1704 companies in the Software industry.
Is Garin AI's Interest Coverage too high?
Garin AI's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 10,000.00. Based on the distribution chart, Garin AI ranks #999999 out of 1704 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Garin AI has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does Garin AI's Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, Garin AI ranks #999999 out of 1704 companies for Interest Coverage. This places Garin AI in the lower half of its industry. The industry median Interest Coverage is 24.63. 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 24.63, based on 1,704 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 Garin AI and its competitors. For the Software industry, the median Interest Coverage is 24.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Garin AI'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 Garin AI stock overvalued right now?
Garin AI (WAR:GAR) 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. Garin AI's overall GF Score™ is 19/100 with 1 warning sign 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 Garin AI (WAR:GAR), the current Interest Coverage is No Debt (1) 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.
Garin AI SA is a Poland-based technology company building a portfolio of projects that utilize artificial intelligence. The group provides an AI Solution Portfolio for small and medium-sized enterprises and government institutions. Its projects are Meal Plus, AI2help, KSeF Virtual Advisor (AI), and AI agents.
19GF Score
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