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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. Investment Friends Capital SE's
Operating Income
for the
three
months ended in Mar. 2026 was zł0.08 Mil. Investment Friends Capital SE's Interest Expense for the
three
months ended in Mar. 2026 was zł-0.97 Mil.
Investment Friends Capital SE's interest coverage for the quarter that ended in Mar. 2026 was 0.08.
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. Investment Friends Capital SEs 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 Investment Friends Capital SE's Interest Coverage or its related term are showing as below:
WAR:IFC'
s Interest Coverage Range Over the Past 10 Years
Min: 0.22 Med: No Debt Max: No Debt
Current: 0.22
WAR:IFC's Interest Coverage is not ranked
in the Credit Services industry.
Industry Median: 47.86
vs WAR:IFC: 0.22
Investment Friends Capital SE (WAR:IFC) 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 .
Investment Friends Capital SE Interest Coverage Related Terms
Investment Friends Capital SE Interest Coverage Historical Data
* 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.
Investment Friends Capital SE Interest Coverage Chart
WAR:IFC vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Investment Friends Capital SE'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.
Investment Friends Capital SE Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Investment Friends Capital SE's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Investment Friends Capital SE's Interest Coverage falls into.
Investment Friends Capital SE 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:
* 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.
Investment Friends Capital SE (WAR:IFC) has a Interest Coverage of 0.08 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Investment Friends Capital SE and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, Investment Friends Capital SE's Interest Coverage has ranged from 0.22 to 10,000.00.
Is Investment Friends Capital SE's Interest Coverage too high?
Investment Friends Capital SE's current Interest Coverage of 0.08 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 0.22 to a high of 10,000.00. The Credit Services industry median Interest Coverage is 47.86. Investment Friends Capital SE's value of 0.08 is 99.8% below this industry median.
How does Investment Friends Capital SE's Interest Coverage compare to V and MA?
Investment Friends Capital SE's Interest Coverage of 0.08 can be compared against companies in the Credit Services industry. The industry median Interest Coverage is 47.86. Investment Friends Capital SE's value of 0.08 is 99.8% below this benchmark. Historically, Investment Friends Capital SE's own Interest Coverage has ranged from 0.22 to 10,000.00 over the past decade. While the company's 10-year median is 10,000.00 vs. the industry median of 47.86, Investment Friends Capital SE 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 47.86, based on 163 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. Investment Friends Capital SE's current Interest Coverage of 0.08 is 99.8% 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 Investment Friends Capital SE and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investment Friends Capital SE's current Interest Coverage is 0.08, 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 Investment Friends Capital SE stock overvalued right now?
Investment Friends Capital SE (WAR:IFC) has a current Interest Coverage of 0.08. The stock's GF Value™ is zł0.01, compared to a current price of zł5.29 — trading 52820% above its estimated fair value. The current Interest Coverage is 0.08, which is 100% below median its 10-year median of 10,000.00 and 99.8% below the Credit Services industry median of 47.86. 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 Investment Friends Capital SE (WAR:IFC), the current Interest Coverage is 0.08 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.
Investment Friends Capital SE Business Description
Investment Friends Capital SE is engaged in financial activities. The Company focuses mainly on financial activities, in particular on providing services in the field of granting large-value cash loans, to business entities operating in Poland.
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