Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
SR AccordXTAE:SRAC -3.40%92 Interest Coverage is 2.46 as of Jun. 2026, which is 83% below its 10-year median of 14.62. GuruFocus rates XTAE:SRAC with a GF Score™ of 92/100 and a GF Value™ of ₪56.43 (Fairly Valued). The stock has 6 warning signs investors should review. Among 156 Credit Services companies, SR Accord ranks worse than 641025% 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. SR Accord's
Operating Income
for the
three
months ended in Jun. 2026 was ₪49.1 Mil. SR Accord's Interest Expense for the
three
months ended in Jun. 2026 was ₪0.0 Mil.
SR Accord's interest coverage for the quarter that ended in Jun. 2026 was 2.46.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for SR Accord's Interest Coverage or its related term are showing as below:
XTAE:SRAC's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 50.585 * Ranked among companies with meaningful Interest Coverage only.
SR Accord (XTAE:SRAC) 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 .
SR Accord Interest Coverage Related Terms
SR Accord Interest Coverage Historical Data
* Premium members only.
The historical data trend for SR Accord'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.
XTAE:SRAC vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, SR Accord'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.
SR Accord Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SR Accord's Interest Coverage distribution charts can be found below:
* The bar in red indicates where SR Accord'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:
GuruFocus does not calculate SR Accord's interest coverage with the available 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.
SR Accord (XTAE:SRAC) has a Interest Coverage of 2.46 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SR Accord and its competitors. This is 83% below median its historical median of 14.62. Over the past decade, SR Accord's Interest Coverage has ranged from 5.69 to 36.45. According to the industry distribution chart, SR Accord ranks #999999 out of 156 companies in the Credit Services industry.
Is SR Accord's Interest Coverage too high?
SR Accord's current Interest Coverage of 2.46 is 83% below median its 10-year median of 14.62. Over the past 10 years, this metric has ranged from a low of 5.69 to a high of 36.45. The Credit Services industry median Interest Coverage is 50.59. SR Accord's value of 2.46 is 95.1% below this industry median. Based on the distribution chart, SR Accord ranks #999999 out of 156 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, SR Accord has a GF Score™ of 92/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SR Accord's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, SR Accord ranks #999999 out of 156 companies for Interest Coverage. This places SR Accord in the lower half of its industry. The industry median Interest Coverage is 50.59. SR Accord's value of 2.46 is 95.1% below this benchmark. Historically, SR Accord's own Interest Coverage has ranged from 5.69 to 36.45 over the past decade. While the company's 10-year median is 14.62 vs. the industry median of 50.59, SR Accord 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 Credit Services company?
The median Interest Coverage among Credit Services companies is 50.59, based on 156 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. SR Accord's current Interest Coverage of 2.46 is 95.1% 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 SR Accord and its competitors. For the Credit Services industry, the median Interest Coverage is 50.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SR Accord's current Interest Coverage is 2.46, which is 83% below median its own 10-year median of 14.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SR Accord stock overvalued right now?
Based on GuruFocus' analysis, SR Accord (XTAE:SRAC) is currently considered Fairly Valued. The stock's GF Value™ is ₪56.43, compared to a current price of ₪55.10 — trading 2.4% below its estimated fair value. The current Interest Coverage is 2.46, which is 83% below median its 10-year median of 14.62 and 95.1% below the Credit Services industry median of 50.59. SR Accord's overall GF Score™ is 92/100 with 6 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 SR Accord (XTAE:SRAC), the current Interest Coverage is 2.46 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 SR Accord (XTAE:SRAC) Overvalued in 2026?
Based on GuruFocus' analysis, SR Accord stock appears to be undervalued.
The current stock price of ₪55.10 is trading 2.4% below its estimated GF Value™ of ₪56.43.
GuruFocus considers SR Accord to be Fairly Valued.
Key valuation signals for XTAE:SRAC:
Interest Coverage: 2.46 (83% below median its 10-year median of 14.62)
GF Value™: ₪56.43 vs. price of ₪55.10 (2.4% below fair value)
Industry Position: 95.1% below the Credit Services median (#999999 of 156)
No single metric tells the full story. See the XTAE:SRAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SR Accord Ltd is operating in the field of non-bank financing and credit. The company works to assist the development of companies and businesses by providing credit and non-bank financing sources, both by way of direct financing to the company in loans and by way of financing against discounting checks and bills and their repayment against the provision of adequate collateral.
92GF Score
Get the complete analysis for XTAE:SRAC
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTAE:SRAC has been successfully added to your 
