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CIAK Grupa DDZAG:CIAK +1.10%91 Interest Coverage is 5.22 as of Mar. 2026, which is 11% below its 10-year median of 5.87. GuruFocus rates ZAG:CIAK with a GF Score™ of 91/100 and a GF Value™ of €8.90 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,067 Vehicles & Parts companies, CIAK Grupa DD ranks worse than 61.86% 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. CIAK Grupa DD's
Operating Income
for the
three
months ended in Mar. 2026 was €4.8 Mil. CIAK Grupa DD's Interest Expense for the
three
months ended in Mar. 2026 was €-0.9 Mil.
CIAK Grupa DD's interest coverage for the quarter that ended in Mar. 2026 was 5.22.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for CIAK Grupa DD's Interest Coverage or its related term are showing as below:
ZAG:CIAK'
s Interest Coverage Range Over the Past 10 Years
Min: 3.65 Med: 5.87 Max: 10.1
Current: 4.8
ZAG:CIAK's Interest Coverage is ranked worse than 61.86% of 1067
companies
in the Vehicles & Parts industry
Industry Median: 8.41
vs ZAG:CIAK: 4.80
CIAK Grupa DD (ZAG:CIAK) 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 .
CIAK Grupa DD Interest Coverage Related Terms
CIAK Grupa DD Interest Coverage Historical Data
* Premium members only.
The historical data trend for CIAK Grupa DD'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.
ZAG:CIAK vs ORLY, AZO, GPC: Interest Coverage Comparison
For the Auto Parts subindustry, CIAK Grupa DD'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.
CIAK Grupa DD Interest Coverage vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, CIAK Grupa DD's Interest Coverage distribution charts can be found below:
* The bar in red indicates where CIAK Grupa DD'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.
CIAK Grupa DD (ZAG:CIAK) has a Interest Coverage of 5.22 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CIAK Grupa DD and its competitors. This is 11% below median its historical median of 5.87. Over the past decade, CIAK Grupa DD's Interest Coverage has ranged from 3.65 to 10.10. According to the industry distribution chart, CIAK Grupa DD ranks #660 out of 1067 companies in the Vehicles & Parts industry, placing it in the top 61.9%.
Is CIAK Grupa DD's Interest Coverage too high?
CIAK Grupa DD's current Interest Coverage of 5.22 is 11% below median its 10-year median of 5.87. Over the past 10 years, this metric has ranged from a low of 3.65 to a high of 10.10. The Vehicles & Parts industry median Interest Coverage is 8.41. CIAK Grupa DD's value of 5.22 is 37.9% below this industry median. Based on the distribution chart, CIAK Grupa DD ranks #660 out of 1067 companies in the Vehicles & Parts industry, which is below the industry midpoint. Overall, CIAK Grupa DD has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CIAK Grupa DD's Interest Coverage compare to ORLY and AZO?
According to the Vehicles & Parts industry distribution chart, CIAK Grupa DD ranks #660 out of 1067 companies for Interest Coverage. This places CIAK Grupa DD in the lower half of its industry. The industry median Interest Coverage is 8.41. CIAK Grupa DD's value of 5.22 is 37.9% below this benchmark. Historically, CIAK Grupa DD's own Interest Coverage has ranged from 3.65 to 10.10 over the past decade. While the company's 10-year median is 5.87 vs. the industry median of 8.41, CIAK Grupa DD 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 Vehicles & Parts company?
The median Interest Coverage among Vehicles & Parts companies is 8.41, based on 1,067 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. CIAK Grupa DD's current Interest Coverage of 5.22 is 37.9% 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 CIAK Grupa DD and its competitors. For the Vehicles & Parts industry, the median Interest Coverage is 8.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIAK Grupa DD's current Interest Coverage is 5.22, which is 11% below median its own 10-year median of 5.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIAK Grupa DD stock overvalued right now?
Based on GuruFocus' analysis, CIAK Grupa DD (ZAG:CIAK) is currently considered Fairly Valued. The stock's GF Value™ is €8.90, compared to a current price of €9.20 — trading 3.4% above its estimated fair value. The current Interest Coverage is 5.22, which is 11% below median its 10-year median of 5.87 and 37.9% below the Vehicles & Parts industry median of 8.41. CIAK Grupa DD's overall GF Score™ is 91/100 with 5 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 CIAK Grupa DD (ZAG:CIAK), the current Interest Coverage is 5.22 as of Mar. 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 CIAK Grupa DD (ZAG:CIAK) Overvalued in 2026?
Based on GuruFocus' analysis, CIAK Grupa DD stock appears to be overvalued.
The current stock price of €9.20 is trading 3.4% above its estimated GF Value™ of €8.90.
GuruFocus considers CIAK Grupa DD to be Fairly Valued.
Key valuation signals for ZAG:CIAK:
Interest Coverage: 5.22 (11% below median its 10-year median of 5.87)
GF Value™: €8.90 vs. price of €9.20 (3.4% above fair value)
Industry Position: 37.9% below the Vehicles & Parts median (#660 of 1067)
No single metric tells the full story. See the ZAG:CIAK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CIAK Grupa DD is engaged in the wholesale and retail of automotive parts as well as waste management. The company's operating business segments include the Auto program - vehicles, Truck program, Batteries, oils and similar, Wholesale, and Ecology. A majority of its revenue is generated from the Auto program - vehicles segment, which operates as a retail channel for sales of auto parts in the Independent Aftermarket (IAM), i.e. market for repair and maintenance of vehicles. Typical products offered in this segment are brakes, filters, wipers, shock absorbers, lights, suspension parts, batteries, tires, oils, antifreeze, accessories, etc. Geographically, the company generates maximum revenue from Croatia, and the rest from Serbia, Bosnia and Herzegovina, Slovenia, and other regions.
91GF Score
Get the complete analysis for ZAG:CIAK
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