Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the interest coverage ratio high or low?
The interest coverage ratio of 1.68x is 50% below its 5-year average of 3.39x, near the low end of its 5-year range (1.29x–9.13x).
35.96% below its 12-month average of 2.62x.
Reported quarterly interest coverage; no daily interpolation.
INTEREST COVERAGE RATIO
1.68x
INTEREST COVERAGE RATIO AVG TTM
2.62x
INTEREST COVERAGE RATIO AVG 3Y
1.60x
INTEREST COVERAGE RATIO AVG 5Y
3.39x
INTEREST COVERAGE RATIO AVG 10Y
2.67x
INTEREST COVERAGE RATIO AVG 15Y
3.61x
INTEREST COVERAGE RATIO AVG 20Y
2.77x
CURRENT VS TTM AVG
-35.96%
CURRENT VS 3Y AVG
+5.00%
CURRENT VS 5Y AVG
-50.39%
CURRENT VS 10Y AVG
-37.15%
CURRENT VS 15Y AVG
-53.52%
CURRENT VS 20Y AVG
-39.39%
SECTOR MEDIAN · FINANCIAL SERVICES
5.24x
median of 97 covered companies
CURRENT VS SECTOR MEDIAN
-67.94%
vs the sector median at left
American Express Company
Market Cap
$220.26B
Interest Coverage Ratio
1.68x
TTM Avg
2.62x
3Y Avg
1.60x
5Y Avg
3.39x
Market Cap
$205.49B
Interest Coverage Ratio
0.44x
TTM Avg
0.31x
3Y Avg
0.61x
5Y Avg
1.11x
Market Cap
$236.18B
Interest Coverage Ratio
0.24x
TTM Avg
0.21x
3Y Avg
0.33x
5Y Avg
0.96x
Market Cap
$190.07B
Interest Coverage Ratio
3.05x
TTM Avg
2.13x
3Y Avg
2.82x
5Y Avg
6.30x
Market Cap
$173.95B
Interest Coverage Ratio
9.98x
TTM Avg
12.03x
3Y Avg
18.92x
5Y Avg
23.30x
Market Cap
$171.53B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$272.04B
Interest Coverage Ratio
0.63x
TTM Avg
0.58x
3Y Avg
0.89x
5Y Avg
1.90x
Market Cap
$164.47B
Interest Coverage Ratio
14.12x
TTM Avg
14.34x
3Y Avg
11.61x
5Y Avg
21.76x
Market Cap
$160.05B
Interest Coverage Ratio
2.09x
TTM Avg
1.98x
3Y Avg
2.23x
5Y Avg
3.93x
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| American Express Company (AXP) | $220.26B | 1.68x | 2.62x | 1.60x | 3.39x |
| The Toronto-Dominion Bank (TD)vs › | $205.49B | 0.44x | 0.31x | 0.61x | 1.11x |
| Citigroup Inc. (C)vs › | $236.18B | 0.24x | 0.21x | 0.33x | 0.96x |
| The Charles Schwab Corporation (SCHW)vs › | $190.07B | 3.05x | 2.13x | 2.82x | 6.30x |
| BlackRock, Inc. (BLK)vs › | $173.95B | 9.98x | 12.03x | 18.92x | 23.30x |
| Vanguard FTSE Emerging Markets ETF (VWO)vs › | $171.53B | N/A | N/A | N/A | N/A |
| Wells Fargo & Company (WFC)vs › | $272.04B | 0.63x | 0.58x | 0.89x | 1.90x |
| Blackstone Inc. (BX)vs › | $164.47B | 14.12x | 14.34x | 11.61x | 21.76x |
| Interactive Brokers Group, Inc. (IBKR)vs › | $160.05B | 2.09x | 1.98x | 2.23x | 3.93x |
| Capital One Financial Corporation (COF)vs › | $134.72B | 0.14x | 0.27x | 0.82x | 2.36x |
Interest Coverage
1.7x
Debt/Equity
1.72
Current Ratio
1.55
Formula: Interest Coverage = EBIT / Interest Expense
Reference ranges:
Note: Interest coverage should be compared with historical interest expense, operating income, and industry capital structure.
Interest Coverage = EBIT / Interest Expense
The interest coverage ratio measures operating earnings relative to interest expense.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | INTEREST COVERAGE RATIO |
|---|---|
| 2026-06-30 | 4.77x |
| 2026-03-31 | 3.34x |
| 2025-12-31 | 1.50x |
| 2025-09-30 | 1.79x |
| 2025-06-30 | 1.71x |
| 2025-03-31 | 1.69x |
| 2024-12-31 | 1.35x |
| 2024-09-30 | 1.50x |
| 2024-06-30 | 1.84x |
| 2024-03-31 | 1.57x |
| 2023-12-31 | 1.29x |
| 2023-09-30 | 1.72x |
| 2023-06-30 | 1.64x |
| 2023-03-31 | 1.51x |
| 2022-12-31 | 1.55x |
| 2022-09-30 | 3.09x |
| 2022-06-30 | 5.79x |
| 2022-03-31 | 8.45x |
| 2021-12-31 | 7.90x |
| 2021-09-30 | 7.98x |
| 2021-06-30 | 9.13x |
| 2021-03-31 | 8.27x |
| 2020-12-31 | 4.76x |
| 2020-09-30 | 3.03x |
| 2020-06-30 | 1.15x |
| 2020-03-31 | 0.63x |
| 2019-12-31 | 2.48x |
| 2019-09-30 | 2.58x |
| 2019-06-30 | 2.49x |
| 2019-03-31 | 2.19x |
| 2018-12-31 | 2.20x |
| 2018-09-30 | 2.73x |
| 2018-06-30 | 2.94x |
| 2018-03-31 | 3.35x |
| 2017-12-31 | 3.14x |
| 2017-09-30 | 3.22x |
| 2017-06-30 | 3.76x |
| 2017-03-31 | 4.15x |
| 2016-12-31 | 2.81x |
| 2016-09-30 | 4.03x |
| 2016-06-30 | 6.92x |
| 2016-03-31 | 5.14x |
| 2015-12-31 | 3.63x |
| 2015-09-30 | 4.86x |
| 2015-06-30 | 5.39x |
| 2015-03-31 | 5.65x |
| 2014-12-31 | 5.49x |
| 2014-09-30 | 5.35x |
| 2014-06-30 | 5.22x |
| 2014-03-31 | 5.03x |
| 2013-12-31 | 4.28x |
| 2013-09-30 | 4.14x |
| 2013-06-30 | 4.05x |
| 2013-03-31 | 3.68x |
| 2012-12-31 | 1.71x |
| 2012-09-30 | 3.35x |
| 2012-06-30 | 3.42x |
| 2012-03-31 | 3.09x |
| 2011-12-31 | 3.04x |
| 2011-09-30 | 2.98x |
| 2011-06-30 | 3.06x |
| 2011-03-31 | 2.92x |
| 2010-12-31 | 2.44x |
| 2010-09-30 | 2.69x |
| 2010-06-30 | 2.61x |
| 2010-03-31 | 2.09x |
| 2009-12-31 | 1.71x |
| 2009-09-30 | 1.69x |
| 2009-06-30 | 0.76x |
| 2009-03-31 | 0.98x |
| 2008-12-31 | 0.29x |
| 2008-09-30 | 1.22x |
| 2008-06-30 | 0.86x |
| 2008-03-31 | 1.50x |
| 2007-12-31 | 1.09x |
| 2007-09-30 | 1.41x |
| 2007-06-30 | 1.35x |
| 2007-03-31 | 1.91x |
| 2006-12-31 | 0.62x |
| 2006-09-30 | 1.80x |
| 2006-06-30 | 1.94x |
| 2006-03-31 | 1.99x |
| 2005-12-31 | 3.85x |
| 2005-09-30 | 4.54x |
| 2005-06-30 | 4.83x |
| 2005-03-31 | 5.41x |
| 2004-12-31 | 4.97x |
| 2004-09-30 | 5.04x |
| 2004-06-30 | 6.03x |
| 2004-03-31 | 6.15x |
| 2003-12-31 | 5.32x |
| 2003-09-30 | 4.45x |
| 2003-06-30 | 4.75x |
| 2003-03-31 | 4.33x |
| 2002-12-31 | 3.51x |
| 2002-09-30 | 3.63x |
