SFD (WAR:SFD) Interest Coverage: 10.38 (As of Mar. 2026) — 64% Above Median


WAR:SFD SFD SA WAR:SFD
75 GF Score
Price zł2.57
GF Value zł3.10
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is SFD Interest Coverage?

SFD WAR:SFD -3.75% 75 Interest Coverage is 10.38 as of Mar. 2026, which is 64% above its 10-year median of 6.32. GuruFocus rates WAR:SFD with a GF Score™ of 75/100 and a GF Value™ of zł3.10 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 824 Retail - Cyclical companies, SFD ranks worse than 59.59% 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. SFD's Operating Income for the three months ended in Mar. 2026 was zł5.0 Mil. SFD's Interest Expense for the three months ended in Mar. 2026 was zł-0.5 Mil. SFD's interest coverage for the quarter that ended in Mar. 2026 was 10.38. The higher the ratio, the stronger the company's financial strength is.

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

WAR:SFD' s Interest Coverage Range Over the Past 10 Years
Min: 1.02   Med: 6.32   Max: 46.68
Current: 5.41


WAR:SFD's Interest Coverage is ranked worse than
59.59% of 824 companies
in the Retail - Cyclical industry
Industry Median: 7.94 vs WAR:SFD: 5.41

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


SFD  (WAR:SFD) 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 .


SFD Interest Coverage Related Terms


SFD Interest Coverage Historical Data

* Premium members only.

The historical data trend for SFD'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.

SFD Interest Coverage Chart

SFD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 46.68 13.31 2.62 1.95 6.32

SFD Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 14.28 6.61 0.24 4.23 10.38

WAR:SFD vs CASY, WSM, DKS: Interest Coverage Comparison

For the Specialty Retail subindustry, SFD'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.


SFD Interest Coverage vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, SFD's Interest Coverage distribution charts can be found below:

* The bar in red indicates where SFD's Interest Coverage falls into.


WAR:SFD
75GF Score
SFD SA WAR:SFD
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SFD 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.

SFD's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, SFD's Interest Expense was zł-1.8 Mil. Its Operating Income was zł11.1 Mil. And its Long-Term Debt & Capital Lease Obligation was zł0.0 Mil.

Interest Coverage=-1* Operating Income (A: Dec. 2025 )/Interest Expense (A: Dec. 2025 )
=-1*11.129/-1.761
=6.32

SFD's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Here, for the three months ended in Mar. 2026, SFD's Interest Expense was zł-0.5 Mil. Its Operating Income was zł5.0 Mil. And its Long-Term Debt & Capital Lease Obligation was zł0.0 Mil.

Interest Coverage=-1* Operating Income (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*5.047/-0.486
=10.38

* 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 10.38 mean?
SFD (WAR:SFD) has a Interest Coverage of 10.38 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SFD and its competitors. This is 64% above median its historical median of 6.32. Over the past decade, SFD's Interest Coverage has ranged from 1.02 to 46.68. According to the industry distribution chart, SFD ranks #491 out of 824 companies in the Retail - Cyclical industry, placing it in the top 59.6%.
Is SFD's Interest Coverage too high?
SFD's current Interest Coverage of 10.38 is 64% above median its 10-year median of 6.32. Over the past 10 years, this metric has ranged from a low of 1.02 to a high of 46.68. The Retail - Cyclical industry median Interest Coverage is 7.94. SFD's value of 10.38 is 30.7% above this industry median. Based on the distribution chart, SFD ranks #491 out of 824 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, SFD has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SFD's Interest Coverage compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, SFD ranks #491 out of 824 companies for Interest Coverage. This places SFD in the lower half of its industry. The industry median Interest Coverage is 7.94. SFD's value of 10.38 is 30.7% above this benchmark. Historically, SFD's own Interest Coverage has ranged from 1.02 to 46.68 over the past decade. While the company's 10-year median is 6.32 vs. the industry median of 7.94, SFD 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 Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.94, based on 824 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. SFD's current Interest Coverage of 10.38 is 30.7% 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 SFD and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SFD's current Interest Coverage is 10.38, which is 64% above median its own 10-year median of 6.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SFD stock overvalued right now?
Based on GuruFocus' analysis, SFD (WAR:SFD) is currently considered Modestly Undervalued. The stock's GF Value™ is zł3.10, compared to a current price of zł2.57 — trading 17.1% below its estimated fair value. The current Interest Coverage is 10.38, which is 64% above median its 10-year median of 6.32 and 30.7% above the Retail - Cyclical industry median of 7.94. SFD's overall GF Score™ is 75/100 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 SFD (WAR:SFD), the current Interest Coverage is 10.38 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 SFD (WAR:SFD) Overvalued in 2026?

Based on GuruFocus' analysis, SFD stock appears to be undervalued. The current stock price of zł2.57 is trading 17.1% below its estimated GF Value™ of zł3.10. GuruFocus considers SFD to be Modestly Undervalued.

Key valuation signals for WAR:SFD:

  • Interest Coverage: 10.38 (64% above median its 10-year median of 6.32)
  • GF Value™: zł3.10 vs. price of zł2.57 (17.1% below fair value)
  • GF Score™: 75/100 with 3 warning signs
  • Industry Position: 30.7% above the Retail - Cyclical median (#491 of 824)

No single metric tells the full story. See the WAR:SFD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SFD Business Description

Address Glogowska 41, Opole, POL, 45 315
SFD SA is a wholesale and retail trader of supplements, dietary supplements, and sports accessories. It is also involved in the sale of advertising services. The company brands include Berserk Labs, Potreningu.pl, ALLNUTRITION, and SFD Powder.
75GF Score

Get the complete analysis for WAR:SFD

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł2.57
Price
zł3.10
GF Value