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Paysera Bulgaria JSCXBUL:PAY 13 Interest Coverage is 0 (At Loss) as of Dec. 2025. GuruFocus rates XBUL:PAY with a GF Score™ of 13/100. The stock has 2 warning signs investors should review. Among 1,698 Software companies, Paysera Bulgaria JSC ranks worse than 58892.76% 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. Paysera Bulgaria JSC's
Operating Income
for the
six
months ended in Dec. 2025 was €-0.13 Mil. Paysera Bulgaria JSC's Interest Expense for the
six
months ended in Dec. 2025 was €-0.01 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Paysera Bulgaria JSC's Interest Coverage or its related term are showing as below:
XBUL:PAY's Interest Coverage is not ranked *
in the Software industry.
Industry Median: 26.18 * Ranked among companies with meaningful Interest Coverage only.
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 .
Paysera Bulgaria JSC Interest Coverage Related Terms
Paysera Bulgaria JSC Interest Coverage Historical Data
* Premium members only.
The historical data trend for Paysera Bulgaria JSC'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.
XBUL:PAY vs MSFT, PLTR, ORCL: Interest Coverage Comparison
For the Software - Infrastructure subindustry, Paysera Bulgaria JSC'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.
Paysera Bulgaria JSC Interest Coverage vs Software Industry
For the Software industry and Technology sector, Paysera Bulgaria JSC's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Paysera Bulgaria JSC'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:
Paysera Bulgaria JSC did not have earnings to cover the 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 0 (At Loss) mean?
Paysera Bulgaria JSC (XBUL:PAY) has a Interest Coverage of 0 (At Loss) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Paysera Bulgaria JSC and its competitors. According to the industry distribution chart, Paysera Bulgaria JSC ranks #999999 out of 1698 companies in the Software industry.
Is Paysera Bulgaria JSC's Interest Coverage too high?
Paysera Bulgaria JSC's current Interest Coverage is 0 (At Loss). Based on the distribution chart, Paysera Bulgaria JSC ranks #999999 out of 1698 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Paysera Bulgaria JSC has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Paysera Bulgaria JSC's Interest Coverage compare to MSFT and PLTR?
According to the Software industry distribution chart, Paysera Bulgaria JSC ranks #999999 out of 1698 companies for Interest Coverage. This places Paysera Bulgaria JSC in the lower half of its industry. The industry median Interest Coverage is 26.18. 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 26.18, based on 1,698 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 Paysera Bulgaria JSC and its competitors. For the Software industry, the median Interest Coverage is 26.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paysera Bulgaria JSC's current Interest Coverage is 0 (At Loss). However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paysera Bulgaria JSC stock overvalued right now?
Paysera Bulgaria JSC (XBUL:PAY) has a current Interest Coverage of 0 (At Loss). The current Interest Coverage is 0 (At Loss). Paysera Bulgaria JSC's overall GF Score™ is 13/100 with 2 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 Paysera Bulgaria JSC (XBUL:PAY), the current Interest Coverage is 0 (At Loss) as of Dec. 2025. 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.
Paysera Bulgaria JSC operates in Bulgaria and Romania. The company provides services related to electronic money issuance and redemption, domestic and international money transfers, payment gateway solutions for e-commerce, POS terminals, debit cards, event ticketing through Paysera Tickets, QR-based retailer payments, and gold trading and storage. Its operations include marketing, sales, customer service, and technical support adapted for the local markets.
13GF Score
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