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 26.50x is 674% above its 5-year average of 3.43x, near the high end of its 5-year range (-23.17x–37.52x).
9.62% below its 12-month average of 29.32x.
Reported quarterly interest coverage; no daily interpolation. Q2 FY2026 (2026-06-30): 25.86x.
INTEREST COVERAGE RATIO
26.50x
INTEREST COVERAGE RATIO AVG TTM
29.32x
INTEREST COVERAGE RATIO AVG 3Y
14.86x
INTEREST COVERAGE RATIO AVG 5Y
3.43x
INTEREST COVERAGE RATIO AVG 10Y
N/A
INTEREST COVERAGE RATIO AVG 15Y
N/A
INTEREST COVERAGE RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
-9.62%
CURRENT VS 3Y AVG
+78.32%
CURRENT VS 5Y AVG
+673.71%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · TECHNOLOGY
7.78x
median of 149 covered companies
CURRENT VS SECTOR MEDIAN
+240.62%
vs the sector median at left
Dave Inc.
Market Cap
$4.32B
Interest Coverage Ratio
26.50x
TTM Avg
29.32x
3Y Avg
14.86x
5Y Avg
3.43x
Market Cap
$4.24B
Interest Coverage Ratio
0.67x
TTM Avg
0.67x
3Y Avg
0.67x
5Y Avg
0.67x
Market Cap
$4.04B
Interest Coverage Ratio
10.61x
TTM Avg
6.72x
3Y Avg
184.53x
5Y Avg
225.68x
Market Cap
$4.03B
Interest Coverage Ratio
22.24x
TTM Avg
30.41x
3Y Avg
37.16x
5Y Avg
31.02x
Market Cap
$4.64B
Interest Coverage Ratio
7.78x
TTM Avg
10.45x
3Y Avg
10.41x
5Y Avg
10.41x
Market Cap
$3.93B
Interest Coverage Ratio
-17.48x
TTM Avg
36.13x
3Y Avg
31.43x
5Y Avg
31.43x
Market Cap
$3.78B
Interest Coverage Ratio
0.46x
TTM Avg
13.19x
3Y Avg
13.19x
5Y Avg
13.19x
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Dave Inc. (DAVE) | $4.32B | 26.50x | 29.32x | 14.86x | 3.43x |
| Bill.com Holdings, Inc. (BILL)vs › | $4.24B | 0.67x | 0.67x | 0.67x | 0.67x |
| Clear Secure, Inc. (YOU)vs › | $4.22B | N/A | N/A | N/A | N/A |
| Dlocal Limited (DLO)vs › | $4.04B | 10.61x | 6.72x | 184.53x | 225.68x |
| Axcelis Technologies, Inc. (ACLS)vs › | $4.03B | 22.24x | 30.41x | 37.16x | 31.02x |
| Box, Inc. (BOX)vs › | $4.64B | 7.78x | 10.45x | 10.41x | 10.41x |
| Klaviyo, Inc. (KVYO)vs › | $4.71B | N/A | N/A | N/A | N/A |
| AXT, Inc. (AXTI)vs › | $3.93B | -17.48x | 36.13x | 31.43x | 31.43x |
| Wix.com Ltd. (WIX)vs › | $3.78B | 0.46x | 13.19x | 13.19x | 13.19x |
| Itron, Inc. (ITRI)vs › | $3.78B | 13.99x | 15.58x | 15.53x | 15.53x |
Interest Coverage
26.5x
Debt/Equity
1.29
Current Ratio
4.22
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 | 25.86x |
| 2026-03-31 | 34.45x |
| 2025-12-31 | 37.52x |
| 2025-09-30 | 25.66x |
| 2025-06-30 | 23.12x |
| 2025-03-31 | 19.99x |
| 2024-12-31 | 11.39x |
| 2024-09-30 | 1.30x |
| 2024-06-30 | 2.88x |
| 2024-03-31 | 2.44x |
| 2023-12-31 | 0.64x |
| 2023-06-30 | -6.91x |
| 2023-03-31 | -4.31x |
| 2022-12-31 | -7.11x |
| 2022-09-30 | -15.78x |
| 2022-06-30 | -23.17x |
| 2022-03-31 | -14.58x |
| 2021-12-31 | -10.43x |
| 2021-09-30 | -22.10x |
| 2021-06-30 | -12.35x |
| 2021-03-31 | -37.30x |
| 2020-12-31 | -724.71x |
