Citizen Investment TrustXNEP:CIT +0.06%81 Interest Coverage is No Debt (1) as of Jan. 2026, which is 100% below its 10-year median of 54.82. GuruFocus rates XNEP:CIT with a GF Score™ of 81/100 and a GF Value™ of NPR2,558.83 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 483 Asset Management companies, Citizen Investment Trust ranks worse than 207039.13% 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. Citizen Investment Trust's
Operating Income
for the
three
months ended in Jan. 2026 was NPR468 Mil. Citizen Investment Trust's Interest Expense for the
three
months ended in Jan. 2026 was NPR0 Mil.
Citizen Investment Trust has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Citizen Investment Trust has enough cash to cover all of its debt. Its financial situation is stable.
(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 Citizen Investment Trust's Interest Coverage or its related term are showing as below:
XNEP:CIT's Interest Coverage is not ranked *
in the Asset Management industry.
Industry Median: 45.22 * 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 .
Citizen Investment Trust Interest Coverage Related Terms
Citizen Investment Trust 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.
XNEP:CIT vs BLK, BX, KKR: Interest Coverage Comparison
For the Asset Management subindustry, Citizen Investment Trust'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.
Citizen Investment Trust Interest Coverage vs Asset Management Industry
For the Asset Management industry and Financial Services sector, Citizen Investment Trust's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Citizen Investment Trust'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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Citizen Investment Trust (XNEP:CIT) has a Interest Coverage of No Debt (1) as of Jan. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Citizen Investment Trust and its competitors. This is 98% below median its historical median of 54.82. Over the past decade, Citizen Investment Trust's Interest Coverage has ranged from 8.10 to 120,289.00. According to the industry distribution chart, Citizen Investment Trust ranks #999999 out of 483 companies in the Asset Management industry.
Is Citizen Investment Trust's Interest Coverage too high?
Citizen Investment Trust's current Interest Coverage of No Debt (1) is 98% below median its 10-year median of 54.82. Over the past 10 years, this metric has ranged from a low of 8.10 to a high of 120,289.00. Based on the distribution chart, Citizen Investment Trust ranks #999999 out of 483 companies in the Asset Management industry, which is in the bottom quartile relative to peers. Overall, Citizen Investment Trust has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Citizen Investment Trust's Interest Coverage compare to BLK and BX?
According to the Asset Management industry distribution chart, Citizen Investment Trust ranks #999999 out of 483 companies for Interest Coverage. This places Citizen Investment Trust in the lower half of its industry. The industry median Interest Coverage is 45.22. Historically, Citizen Investment Trust's own Interest Coverage has ranged from 8.10 to 120,289.00 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 an Asset Management company?
The median Interest Coverage among Asset Management companies is 45.22, based on 483 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 Citizen Investment Trust and its competitors. For the Asset Management industry, the median Interest Coverage is 45.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Investment Trust's current Interest Coverage is No Debt (1), which is 98% below median its own 10-year median of 54.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizen Investment Trust stock overvalued right now?
Based on GuruFocus' analysis, Citizen Investment Trust (XNEP:CIT) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR2,558.83, compared to a current price of NPR1,684.00 — trading 34.2% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 98% below median its 10-year median of 54.82. Citizen Investment Trust's overall GF Score™ is 81/100 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 Citizen Investment Trust (XNEP:CIT), the current Interest Coverage is No Debt (1) as of Jan. 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 Citizen Investment Trust (XNEP:CIT) Overvalued in 2026?
Based on GuruFocus' analysis, Citizen Investment Trust stock appears to be undervalued.
The current stock price of NPR1,684.00 is trading 34.2% below its estimated GF Value™ of NPR2,558.83.
GuruFocus considers Citizen Investment Trust to be Significantly Undervalued.
Key valuation signals for XNEP:CIT:
Interest Coverage: No Debt (1) (98% below median its 10-year median of 54.82)
GF Value™: NPR2,558.83 vs. price of NPR1,684.00 (34.2% below fair value)
No single metric tells the full story. See the XNEP:CIT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizen Investment Trust is an investment trust. It operates and manages various types of retirement schemes / programs, unit schemes and mutual fund program for both domestic and foreign investors.
81GF Score
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