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Investment Friends SEWAR:IFR 33 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 5,007.05. GuruFocus rates WAR:IFR with a GF Score™ of 33/100 and a GF Value™ of zł0.49 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 164 Credit Services companies, Investment Friends SE ranks worse than 60.98% 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. Investment Friends SE's
Operating Income
for the
three
months ended in Mar. 2026 was zł0.03 Mil. Investment Friends SE's Interest Expense for the
three
months ended in Mar. 2026 was zł0.00 Mil.
Investment Friends SE 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 Investment Friends SE's Interest Coverage or its related term are showing as below:
WAR:IFR'
s Interest Coverage Range Over the Past 10 Years
Min: 1.18 Med: 5007.05 Max: No Debt
Current: 20.22
WAR:IFR's Interest Coverage is ranked worse than 60.98% of 164
companies
in the Credit Services industry
Industry Median: 51.6
vs WAR:IFR: 20.22
Investment Friends SE (WAR:IFR) 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 SE Interest Coverage Related Terms
Investment Friends SE Interest Coverage Historical Data
* Premium members only.
The historical data trend for Investment Friends SE'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:IFR vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Investment Friends 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 SE Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Investment Friends SE's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Investment Friends SE's Interest Coverage falls into.
Investment Friends 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Investment Friends SE (WAR:IFR) 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 Investment Friends SE and its competitors. This is 100% below median its historical median of 5,007.05. Over the past decade, Investment Friends SE's Interest Coverage has ranged from 1.18 to 10,000.00. According to the industry distribution chart, Investment Friends SE ranks #100 out of 164 companies in the Credit Services industry, placing it in the top 61%.
Is Investment Friends SE's Interest Coverage too high?
Investment Friends SE's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 5,007.05. Over the past 10 years, this metric has ranged from a low of 1.18 to a high of 10,000.00. Based on the distribution chart, Investment Friends SE ranks #100 out of 164 companies in the Credit Services industry, which is below the industry midpoint. Overall, Investment Friends SE has a GF Score™ of 33/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Investment Friends SE's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Investment Friends SE ranks #100 out of 164 companies for Interest Coverage. This places Investment Friends SE in the lower half of its industry. The industry median Interest Coverage is 51.60. Historically, Investment Friends SE's own Interest Coverage has ranged from 1.18 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 51.60, 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. 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 SE and its competitors. For the Credit Services industry, the median Interest Coverage is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investment Friends SE's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 5,007.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Investment Friends SE stock overvalued right now?
Based on GuruFocus' analysis, Investment Friends SE (WAR:IFR) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.49, compared to a current price of zł0.12 — trading 76.5% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 5,007.05. Investment Friends SE's overall GF Score™ is 33/100 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 Investment Friends SE (WAR:IFR), 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.
Is Investment Friends SE (WAR:IFR) Overvalued in 2026?
Based on GuruFocus' analysis, Investment Friends SE stock appears to be undervalued.
The current stock price of zł0.12 is trading 76.5% below its estimated GF Value™ of zł0.49.
GuruFocus considers Investment Friends SE to be Possible Value Trap.
Key valuation signals for WAR:IFR:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 5,007.05)
GF Value™: zł0.49 vs. price of zł0.12 (76.5% below fair value)
No single metric tells the full story. See the WAR:IFR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Investment Friends SE provides financial services, mainly granting loans and generating revenue from interest on loans granted. The company derives the majority of its revenue from customers in Estonia, with the remainder from Poland. Loans granted to related parties were subsequently invested by those entities in real estate and tradeable securities.
33GF Score
Get the complete analysis for WAR:IFR
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