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ELANA Agrocredit AD SofiaXBUL:EAC +0.94%31 Interest Coverage is 390.00 as of Jun. 2026, which is 2% above its 10-year median of 383.63. GuruFocus rates XBUL:EAC with a GF Score™ of 31/100 and a GF Value™ of €0.64 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 164 Credit Services companies, ELANA Agrocredit AD Sofia ranks worse than 56.71% 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. ELANA Agrocredit AD Sofia's
Operating Income
for the
three
months ended in Jun. 2026 was €0.39 Mil. ELANA Agrocredit AD Sofia's Interest Expense for the
three
months ended in Jun. 2026 was €-0.00 Mil.
ELANA Agrocredit AD Sofia's interest coverage for the quarter that ended in Jun. 2026 was 390.00.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for ELANA Agrocredit AD Sofia's Interest Coverage or its related term are showing as below:
XBUL:EAC'
s Interest Coverage Range Over the Past 10 Years
Min: 31.77 Med: 383.63 Max: 417.75
Current: 31.77
XBUL:EAC's Interest Coverage is ranked worse than 56.71% of 164
companies
in the Credit Services industry
Industry Median: 55.32
vs XBUL:EAC: 31.77
ELANA Agrocredit AD Sofia (XBUL:EAC) 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 .
ELANA Agrocredit AD Sofia Interest Coverage Related Terms
ELANA Agrocredit AD Sofia 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.
XBUL:EAC vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's Interest Coverage distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia's Interest Coverage falls into.
ELANA Agrocredit AD Sofia 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.
ELANA Agrocredit AD Sofia (XBUL:EAC) has a Interest Coverage of 390.00 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on ELANA Agrocredit AD Sofia and its competitors. This is near median its historical median of 383.63. Over the past decade, ELANA Agrocredit AD Sofia's Interest Coverage has ranged from 31.77 to 417.75. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #93 out of 164 companies in the Credit Services industry, placing it in the top 56.7%.
Is ELANA Agrocredit AD Sofia's Interest Coverage too high?
ELANA Agrocredit AD Sofia's current Interest Coverage of 390.00 is near median its 10-year median of 383.63. Over the past 10 years, this metric has ranged from a low of 31.77 to a high of 417.75. The Credit Services industry median Interest Coverage is 55.32. ELANA Agrocredit AD Sofia's value of 390.00 is 605% above this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #93 out of 164 companies in the Credit Services industry, which is below the industry midpoint. Overall, ELANA Agrocredit AD Sofia has a GF Score™ of 31/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELANA Agrocredit AD Sofia's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #93 out of 164 companies for Interest Coverage. This places ELANA Agrocredit AD Sofia in the lower half of its industry. The industry median Interest Coverage is 55.32. ELANA Agrocredit AD Sofia's value of 390.00 is 605% above this benchmark. Historically, ELANA Agrocredit AD Sofia's own Interest Coverage has ranged from 31.77 to 417.75 over the past decade. While the company's 10-year median is 383.63 vs. the industry median of 55.32, ELANA Agrocredit AD Sofia 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 55.32, 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. ELANA Agrocredit AD Sofia's current Interest Coverage of 390.00 is 605% 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 ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median Interest Coverage is 55.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current Interest Coverage is 390.00, which is near median its own 10-year median of 383.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELANA Agrocredit AD Sofia stock overvalued right now?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia (XBUL:EAC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.64, compared to a current price of €0.54 — trading 16.4% below its estimated fair value. The current Interest Coverage is 390.00, which is near median its 10-year median of 383.63 and 605% above the Credit Services industry median of 55.32. ELANA Agrocredit AD Sofia's overall GF Score™ is 31/100 with 9 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 ELANA Agrocredit AD Sofia (XBUL:EAC), the current Interest Coverage is 390.00 as of Jun. 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 ELANA Agrocredit AD Sofia (XBUL:EAC) Overvalued in 2026?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia stock appears to be undervalued.
The current stock price of €0.54 is trading 16.4% below its estimated GF Value™ of €0.64.
GuruFocus considers ELANA Agrocredit AD Sofia to be Modestly Undervalued.
Key valuation signals for XBUL:EAC:
Interest Coverage: 390.00 (near median its 10-year median of 383.63)
GF Value™: €0.64 vs. price of €0.54 (16.4% below fair value)
Industry Position: 605% above the Credit Services median (#93 of 164)
No single metric tells the full story. See the XBUL:EAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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