Basis: Latest reported fiscal quarter. 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 -0.73x is 139% below its 5-year average of 1.86x, near the low end of its 5-year range (-0.73x–5.86x).
As of the fiscal period ended Tuesday, June 30, 2026. 280.63% below its 12-month average of 0.41x.
Reported quarterly interest coverage; no daily interpolation.
INTEREST COVERAGE RATIO
-0.73x
INTEREST COVERAGE RATIO AVG TTM
0.41x
INTEREST COVERAGE RATIO AVG 3Y
0.61x
INTEREST COVERAGE RATIO AVG 5Y
1.86x
INTEREST COVERAGE RATIO AVG 10Y
1.00x
INTEREST COVERAGE RATIO AVG 15Y
1.10x
INTEREST COVERAGE RATIO AVG 20Y
0.91x
CURRENT VS TTM AVG
-280.63%
CURRENT VS 3Y AVG
-219.54%
CURRENT VS 5Y AVG
-139.42%
CURRENT VS 10Y AVG
-173.40%
CURRENT VS 15Y AVG
-166.99%
CURRENT VS 20Y AVG
-180.65%
SECTOR MEDIAN · FINANCIAL SERVICES
5.21x
median of 90 covered companies
CURRENT VS SECTOR MEDIAN
-114.11%
vs the sector median at left
Isabella Bank Corporation
Market Cap
$291.18M
Interest Coverage Ratio
-0.73x
TTM Avg
0.41x
3Y Avg
0.61x
5Y Avg
1.86x
Market Cap
$323.00M
Interest Coverage Ratio
5.24x
TTM Avg
5.03x
3Y Avg
5.72x
5Y Avg
6.69x
Market Cap
$199.04M
Interest Coverage Ratio
6.31x
TTM Avg
7.93x
3Y Avg
7.93x
5Y Avg
9.66x
Market Cap
$181.34M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$155.59M
Interest Coverage Ratio
6.06x
TTM Avg
6.06x
3Y Avg
6.06x
5Y Avg
6.06x
Market Cap
$154.55M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$138.81M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$73.20M
Interest Coverage Ratio
-0.12x
TTM Avg
1.36x
3Y Avg
8.91x
5Y Avg
6.41x
Market Cap
$5.89M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Isabella Bank Corporation (ISBA) | $291.18M | -0.73x | 0.41x | 0.61x | 1.86x |
| BlackRock Floating Rate Income Trust (BGT)vs › | $323.00M | 5.24x | 5.03x | 5.72x | 6.69x |
| Franklin Universal Trust (FT)vs › | $199.04M | 6.31x | 7.93x | 7.93x | 9.66x |
| The New Germany Fund, Inc. (GF)vs › | $181.34M | N/A | N/A | N/A | N/A |
| DeFi Technologies Inc. (DEFT)vs › | $155.59M | 6.06x | 6.06x | 6.06x | 6.06x |
| Blackrock 2037 Municipal Target Term Trust (BMN)vs › | $154.55M | N/A | N/A | N/A | N/A |
| Global X - MSCI Colombia ETF (COLO)vs › | $138.81M | N/A | N/A | N/A | N/A |
| Nuveen Minnesota Quality Municipal Income Fund (NMS)vs › | $73.20M | -0.12x | 1.36x | 8.91x | 6.41x |
| CYBER HORNET S&P 500 and Bitcoin 75/25 Strategy ETF (ZZZ)vs › | $5.89M | N/A | N/A | N/A | N/A |
| WisdomTree Artificial Intelligence and Innovation Fund (WTAI)vs › | $609.76M | N/A | N/A | N/A | N/A |
Interest Coverage
-0.7x
Debt/Equity
0.62
Current Ratio
0.12
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 | -0.73x |
| 2026-03-31 | 0.72x |
| 2025-12-31 | 0.56x |
| 2025-09-30 | 0.72x |
| 2025-06-30 | 0.76x |
| 2025-03-31 | 0.60x |
| 2024-12-31 | 0.56x |
| 2024-09-30 | 0.43x |
| 2024-06-30 | 0.48x |
| 2024-03-31 | 0.45x |
| 2023-12-31 | 0.61x |
| 2023-09-30 | 0.87x |
| 2023-06-30 | 1.15x |
| 2023-03-31 | 1.97x |
| 2022-12-31 | 4.67x |
| 2022-09-30 | 5.86x |
| 2022-06-30 | 5.43x |
| 2022-03-31 | 4.42x |
| 2021-12-31 | 3.70x |
| 2021-09-30 | 3.06x |
| 2021-06-30 | 2.86x |
| 2021-03-31 | 3.08x |
| 2020-12-31 | -0.43x |
| 2020-09-30 | 1.59x |
| 2020-06-30 | 1.33x |
| 2020-03-31 | 0.78x |
| 2019-12-31 | 0.17x |
| 2019-09-30 | 1.11x |
| 2019-06-30 | 1.04x |
| 2019-03-31 | 0.90x |
| 2018-12-31 | 0.94x |
| 2018-09-30 | 0.96x |
| 2018-06-30 | 0.96x |
| 2018-03-31 | 1.10x |
| 2017-12-31 | 1.04x |
| 2017-09-30 | 1.34x |
| 2017-06-30 | 1.57x |
| 2017-03-31 | 1.30x |
| 2016-12-31 | 1.51x |
| 2016-09-30 | 1.59x |
| 2016-06-30 | 1.52x |
| 2016-03-31 | 1.32x |
| 2015-12-31 | 1.49x |
| 2015-09-30 | 1.96x |
| 2015-06-30 | 2.02x |
| 2015-03-31 | 1.79x |
| 2014-12-31 | 1.63x |
| 2014-09-30 | 1.54x |
| 2014-06-30 | 1.72x |
| 2014-03-31 | 1.55x |
| 2013-12-31 | 1.20x |
| 2013-09-30 | 1.45x |
| 2013-06-30 | 1.39x |
| 2013-03-31 | 1.30x |
| 2012-12-31 | 0.83x |
| 2012-09-30 | 1.34x |
| 2012-06-30 | 1.07x |
| 2012-03-31 | 1.08x |
| 2011-12-31 | 0.71x |
| 2011-09-30 | 0.70x |
| 2011-06-30 | 0.77x |
| 2011-03-31 | 0.67x |
| 2010-12-31 | 0.66x |
| 2010-09-30 | 0.71x |
| 2010-06-30 | 0.59x |
| 2010-03-31 | 0.52x |
| 2009-12-31 | 0.46x |
| 2009-09-30 | 0.53x |
| 2009-06-30 | 0.52x |
| 2009-03-31 | 0.25x |
| 2008-12-31 | -0.64x |
| 2008-09-30 | 0.49x |
| 2008-06-30 | 0.29x |
| 2008-03-31 | 0.31x |
| 2007-12-31 | 0.42x |
| 2007-09-30 | 0.38x |
| 2007-06-30 | 0.33x |
| 2007-03-31 | 0.34x |
| 2006-12-31 | 0.42x |
| 2006-09-30 | 0.51x |
| 2006-06-30 | 0.51x |
| 2006-03-31 | 0.35x |
| 2005-12-31 | 0.68x |
| 2005-09-30 | 0.66x |
| 2005-06-30 | 0.75x |
| 2005-03-31 | 0.60x |
| 2004-12-31 | 0.75x |
| 2004-09-30 | 0.90x |
| 2004-06-30 | 0.91x |
| 2004-03-31 | 0.72x |
| 2003-12-31 | 0.41x |
| 2003-09-30 | 0.92x |
| 2003-06-30 | 0.82x |
| 2003-03-31 | 0.79x |
| 2002-12-31 | 0.54x |
| 2002-09-30 | 0.74x |
