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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. Payment Financial Technologies's
Operating Income
for the
six
months ended in Dec. 2025 was ₪28.48 Mil. Payment Financial Technologies's Interest Expense for the
six
months ended in Dec. 2025 was ₪-4.03 Mil.
Payment Financial Technologies's interest coverage for the quarter that ended in Dec. 2025 was 7.07.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Payment Financial Technologies's Interest Coverage or its related term are showing as below:
XTAE:PMNT'
s Interest Coverage Range Over the Past 10 Years
Min: 2.4 Med: 3.91 Max: 7.07
Current: 7.07
XTAE:PMNT's Interest Coverage is ranked worse than 71.26% of 1719
companies
in the Software industry
Industry Median: 24.72
vs XTAE:PMNT: 7.07
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 .
Payment Financial Technologies Interest Coverage Related Terms
Payment Financial Technologies 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.
XTAE:PMNT vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, Payment Financial Technologies'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.
Payment Financial Technologies Interest Coverage vs Software Industry
For the Software industry and Technology sector, Payment Financial Technologies's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Payment Financial Technologies'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.
Payment Financial Technologies (XTAE:PMNT) has a Interest Coverage of 7.07 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Payment Financial Technologies and its competitors. This is 81% above median its historical median of 3.91. Over the past decade, Payment Financial Technologies' Interest Coverage has ranged from 2.40 to 7.07. According to the industry distribution chart, Payment Financial Technologies ranks #1225 out of 1719 companies in the Software industry, placing it in the top 71.3%.
Is Payment Financial Technologies' Interest Coverage too high?
Payment Financial Technologies' current Interest Coverage of 7.07 is 81% above median its 10-year median of 3.91. Over the past 10 years, this metric has ranged from a low of 2.40 to a high of 7.07. The Software industry median Interest Coverage is 24.72. Payment Financial Technologies' value of 7.07 is 71.4% below this industry median. Based on the distribution chart, Payment Financial Technologies ranks #1225 out of 1719 companies in the Software industry, which is below the industry midpoint. Overall, Payment Financial Technologies has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Payment Financial Technologies' Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, Payment Financial Technologies ranks #1225 out of 1719 companies for Interest Coverage. This places Payment Financial Technologies in the lower half of its industry. The industry median Interest Coverage is 24.72. Payment Financial Technologies' value of 7.07 is 71.4% below this benchmark. Historically, Payment Financial Technologies' own Interest Coverage has ranged from 2.40 to 7.07 over the past decade. While the company's 10-year median is 3.91 vs. the industry median of 24.72, Payment Financial Technologies has consistently been below 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 Software company?
The median Interest Coverage among Software companies is 24.72, based on 1,719 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. Payment Financial Technologies's current Interest Coverage of 7.07 is 71.4% below 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 Payment Financial Technologies and its competitors. For the Software industry, the median Interest Coverage is 24.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Payment Financial Technologies's current Interest Coverage is 7.07, which is 81% above median its own 10-year median of 3.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Payment Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Payment Financial Technologies (XTAE:PMNT) is currently considered Modestly Undervalued. The stock's GF Value™ is ₪6.55, compared to a current price of ₪5.76 — trading 12.1% below its estimated fair value. The current Interest Coverage is 7.07, which is 81% above median its 10-year median of 3.91 and 71.4% below the Software industry median of 24.72. Payment Financial Technologies' overall GF Score™ is 88/100 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 Payment Financial Technologies (XTAE:PMNT), the current Interest Coverage is 7.07 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.
Is Payment Financial Technologies (XTAE:PMNT) Overvalued in 2026?
Based on GuruFocus' analysis, Payment Financial Technologies stock appears to be undervalued.
The current stock price of ₪5.76 is trading 12.1% below its estimated GF Value™ of ₪6.55.
GuruFocus considers Payment Financial Technologies to be Modestly Undervalued.
Key valuation signals for XTAE:PMNT:
Interest Coverage: 7.07 (81% above median its 10-year median of 3.91)
GF Value™: ₪6.55 vs. price of ₪5.76 (12.1% below fair value)
Industry Position: 71.4% below the Software median (#1225 of 1719)
No single metric tells the full story. See the XTAE:PMNT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Payment Financial Technologies Ltd owns the PaymenT brand which is a payment platform. It is a means of payment that allows businesses to offer financing to their customers easily, quickly, and conveniently and receive immediate payment for the products and services sold.
88GF Score
Get the complete analysis for XTAE:PMNT
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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