IFIRMA Spolka AkcyjnaWAR:IFI -1.68%95 Interest Coverage is 105.88 as of Mar. 2026, which is 97% below its 10-year median of 3,478.50. GuruFocus rates WAR:IFI with a GF Score™ of 95/100 and a GF Value™ of zł30.86 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,703 Software companies, IFIRMA Spolka Akcyjna ranks better than 74.99% 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. IFIRMA Spolka Akcyjna's
Operating Income
for the
three
months ended in Mar. 2026 was zł2.75 Mil. IFIRMA Spolka Akcyjna's Interest Expense for the
three
months ended in Mar. 2026 was zł-0.03 Mil.
IFIRMA Spolka Akcyjna's interest coverage for the quarter that ended in Mar. 2026 was 105.88.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
IFIRMA Spolka Akcyjna has no debt.
The historical rank and industry rank for IFIRMA Spolka Akcyjna's Interest Coverage or its related term are showing as below:
WAR:IFI'
s Interest Coverage Range Over the Past 10 Years
Min: 188.45 Med: 3478.5 Max: No Debt
Current: 188.45
WAR:IFI's Interest Coverage is ranked better than 74.99% of 1703
companies
in the Software industry
Industry Median: 24.78
vs WAR:IFI: 188.45
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 .
IFIRMA Spolka Akcyjna Interest Coverage Related Terms
IFIRMA Spolka Akcyjna Interest Coverage Historical Data
* Premium members only.
The historical data trend for IFIRMA Spolka Akcyjna'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:IFI vs IBM, ACN, FISV: Interest Coverage Comparison
For the Information Technology Services subindustry, IFIRMA Spolka Akcyjna'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.
IFIRMA Spolka Akcyjna Interest Coverage vs Software Industry
For the Software industry and Technology sector, IFIRMA Spolka Akcyjna's Interest Coverage distribution charts can be found below:
* The bar in red indicates where IFIRMA Spolka Akcyjna'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.
IFIRMA Spolka Akcyjna (WAR:IFI) has a Interest Coverage of 105.88 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on IFIRMA Spolka Akcyjna and its competitors. This is 97% below median its historical median of 3,478.50. Over the past decade, IFIRMA Spolka Akcyjna's Interest Coverage has ranged from 188.45 to 10,000.00. According to the industry distribution chart, IFIRMA Spolka Akcyjna ranks #426 out of 1703 companies in the Software industry, placing it in the top 25%.
Is IFIRMA Spolka Akcyjna's Interest Coverage too high?
IFIRMA Spolka Akcyjna's current Interest Coverage of 105.88 is 97% below median its 10-year median of 3,478.50. Over the past 10 years, this metric has ranged from a low of 188.45 to a high of 10,000.00. The Software industry median Interest Coverage is 24.78. IFIRMA Spolka Akcyjna's value of 105.88 is 327.3% above this industry median. Based on the distribution chart, IFIRMA Spolka Akcyjna ranks #426 out of 1703 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, IFIRMA Spolka Akcyjna has a GF Score™ of 95/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does IFIRMA Spolka Akcyjna's Interest Coverage compare to IBM and ACN?
According to the Software industry distribution chart, IFIRMA Spolka Akcyjna ranks #426 out of 1703 companies for Interest Coverage. This places IFIRMA Spolka Akcyjna in the top 25% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 24.78. IFIRMA Spolka Akcyjna's value of 105.88 is 327.3% above this benchmark. Historically, IFIRMA Spolka Akcyjna's own Interest Coverage has ranged from 188.45 to 10,000.00 over the past decade. While the company's 10-year median is 3,478.50 vs. the industry median of 24.78, IFIRMA Spolka Akcyjna has consistently been above 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 Software company?
The median Interest Coverage among Software companies is 24.78, based on 1,703 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. IFIRMA Spolka Akcyjna's current Interest Coverage of 105.88 is 327.3% above 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 IFIRMA Spolka Akcyjna and its competitors. For the Software industry, the median Interest Coverage is 24.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFIRMA Spolka Akcyjna's current Interest Coverage is 105.88, which is 97% below median its own 10-year median of 3,478.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFIRMA Spolka Akcyjna stock overvalued right now?
Based on GuruFocus' analysis, IFIRMA Spolka Akcyjna (WAR:IFI) is currently considered Modestly Undervalued. The stock's GF Value™ is zł30.86, compared to a current price of zł23.35 — trading 24.3% below its estimated fair value. The current Interest Coverage is 105.88, which is 97% below median its 10-year median of 3,478.50 and 327.3% above the Software industry median of 24.78. IFIRMA Spolka Akcyjna's overall GF Score™ is 95/100 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 IFIRMA Spolka Akcyjna (WAR:IFI), the current Interest Coverage is 105.88 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 IFIRMA Spolka Akcyjna (WAR:IFI) Overvalued in 2026?
Based on GuruFocus' analysis, IFIRMA Spolka Akcyjna stock appears to be undervalued.
The current stock price of zł23.35 is trading 24.3% below its estimated GF Value™ of zł30.86.
GuruFocus considers IFIRMA Spolka Akcyjna to be Modestly Undervalued.
Key valuation signals for WAR:IFI:
Interest Coverage: 105.88 (97% below median its 10-year median of 3,478.50)
GF Value™: zł30.86 vs. price of zł23.35 (24.3% below fair value)
Industry Position: 327.3% above the Software median (#426 of 1703)
No single metric tells the full story. See the WAR:IFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IFIRMA Spolka Akcyjna provides services in the field of software development as well as recruitment and outsourcing of IT staff. Its services include internet accounting, accounting office, invoices application, and warehousing software. The company is working on www.firmbee.com - a project management software which manages firm's tasks, finances, supports remote team work and HR processes.
95GF Score
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