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 0.45x is in line with its 5-year average of 0.44x, near the low end of its 5-year range (0.17x–16.92x).
7.43% below its 12-month average of 0.49x.
Reported quarterly interest coverage; no daily interpolation.
INTEREST COVERAGE RATIO
0.45x
INTEREST COVERAGE RATIO AVG TTM
0.49x
INTEREST COVERAGE RATIO AVG 3Y
0.41x
INTEREST COVERAGE RATIO AVG 5Y
0.44x
INTEREST COVERAGE RATIO AVG 10Y
1.07x
INTEREST COVERAGE RATIO AVG 15Y
1.23x
INTEREST COVERAGE RATIO AVG 20Y
1.00x
CURRENT VS TTM AVG
-7.43%
CURRENT VS 3Y AVG
+11.09%
CURRENT VS 5Y AVG
+1.32%
CURRENT VS 10Y AVG
-57.98%
CURRENT VS 15Y AVG
-63.34%
CURRENT VS 20Y AVG
-54.86%
SECTOR MEDIAN · FINANCIAL SERVICES
5.24x
median of 97 covered companies
CURRENT VS SECTOR MEDIAN
-91.41%
vs the sector median at left
Morgan Stanley
Market Cap
$341.18B
Interest Coverage Ratio
0.45x
TTM Avg
0.49x
3Y Avg
0.41x
5Y Avg
0.44x
Market Cap
$305.78B
Interest Coverage Ratio
0.33x
TTM Avg
0.29x
3Y Avg
0.35x
5Y Avg
1.26x
Market Cap
$266.04B
Interest Coverage Ratio
0.63x
TTM Avg
0.58x
3Y Avg
0.89x
5Y Avg
1.90x
Market Cap
$442.76B
Interest Coverage Ratio
0.48x
TTM Avg
0.40x
3Y Avg
0.68x
5Y Avg
2.04x
Market Cap
$234.50B
Interest Coverage Ratio
0.24x
TTM Avg
0.21x
3Y Avg
0.33x
5Y Avg
0.96x
Market Cap
$220.22B
Interest Coverage Ratio
1.68x
TTM Avg
1.62x
3Y Avg
2.06x
5Y Avg
3.10x
Market Cap
$203.62B
Interest Coverage Ratio
0.44x
TTM Avg
0.31x
3Y Avg
0.61x
5Y Avg
1.11x
Market Cap
$185.86B
Interest Coverage Ratio
3.05x
TTM Avg
2.13x
3Y Avg
2.82x
5Y Avg
6.30x
Market Cap
$500.69B
Interest Coverage Ratio
27.03x
TTM Avg
26.15x
3Y Avg
26.19x
5Y Avg
24.90x
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Morgan Stanley (MS) | $341.18B | 0.45x | 0.49x | 0.41x | 0.44x |
| The Goldman Sachs Group, Inc. (GS)vs › | $305.78B | 0.33x | 0.29x | 0.35x | 1.26x |
| Wells Fargo & Company (WFC)vs › | $266.04B | 0.63x | 0.58x | 0.89x | 1.90x |
| Bank of America Corporation (BAC)vs › | $442.76B | 0.48x | 0.40x | 0.68x | 2.04x |
| Citigroup Inc. (C)vs › | $234.50B | 0.24x | 0.21x | 0.33x | 0.96x |
| American Express Company (AXP)vs › | $220.22B | 1.68x | 1.62x | 2.06x | 3.10x |
| The Toronto-Dominion Bank (TD)vs › | $203.62B | 0.44x | 0.31x | 0.61x | 1.11x |
| The Charles Schwab Corporation (SCHW)vs › | $185.86B | 3.05x | 2.13x | 2.82x | 6.30x |
| Mastercard Incorporated (MA)vs › | $500.69B | 27.03x | 26.15x | 26.19x | 24.90x |
| Vanguard FTSE Emerging Markets ETF (VWO)vs › | $170.95B | N/A | N/A | N/A | N/A |
Interest Coverage
0.5x
Debt/Equity
4.75
Current Ratio
1.24
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 | 0.56x |
| 2026-03-31 | 0.56x |
| 2025-12-31 | 0.48x |
| 2025-09-30 | 0.46x |
| 2025-06-30 | 0.37x |
| 2025-03-31 | 0.49x |
| 2024-12-31 | 0.45x |
| 2024-09-30 | 0.35x |
| 2024-06-30 | 0.36x |
| 2024-03-31 | 0.39x |
| 2023-12-31 | 0.17x |
| 2023-09-30 | 0.31x |
| 2023-06-30 | 0.32x |
| 2023-03-31 | 0.49x |
| 2022-12-31 | 0.40x |
| 2022-09-30 | 0.94x |
| 2022-06-30 | 2.50x |
| 2022-03-31 | 10.57x |
| 2021-12-31 | 15.17x |
| 2021-09-30 | 16.92x |
| 2021-06-30 | 13.16x |
| 2021-03-31 | 13.07x |
| 2020-12-31 | 11.84x |
| 2020-09-30 | 6.12x |
| 2020-06-30 | 5.75x |
| 2020-03-31 | 1.00x |
| 2019-12-31 | 1.08x |
| 2019-09-30 | 0.87x |
| 2019-06-30 | 0.83x |
| 2019-03-31 | 0.90x |
| 2018-12-31 | 0.59x |
| 2018-09-30 | 1.06x |
| 2018-06-30 | 1.30x |
| 2018-03-31 | 1.81x |
| 2017-12-31 | 1.55x |
| 2017-09-30 | 1.59x |
| 2017-06-30 | 1.95x |
| 2017-03-31 | 2.35x |
| 2016-12-31 | 2.28x |
| 2016-09-30 | 3.26x |
| 2016-06-30 | 3.29x |
| 2016-03-31 | 2.05x |
| 2015-12-31 | 3.02x |
| 2015-09-30 | 2.14x |
| 2015-06-30 | 3.96x |
| 2015-03-31 | 3.22x |
| 2014-12-31 | -3.52x |
| 2014-09-30 | 2.68x |
| 2014-06-30 | 1.97x |
| 2014-03-31 | 2.29x |
| 2013-12-31 | -0.27x |
| 2013-09-30 | 1.00x |
| 2013-06-30 | 1.69x |
| 2013-03-31 | 1.31x |
| 2012-12-31 | 0.65x |
| 2012-09-30 | -0.97x |
| 2012-06-30 | 0.63x |
| 2012-03-31 | 0.13x |
| 2011-12-31 | -0.27x |
| 2011-09-30 | 2.29x |
| 2011-06-30 | 0.97x |
| 2011-03-31 | 0.49x |
| 2010-12-31 | 0.70x |
| 2010-09-30 | 0.46x |
| 2010-06-30 | 1.06x |
| 2010-03-31 | 1.84x |
| 2009-12-31 | 1.11x |
| 2009-09-30 | 1.10x |
| 2009-06-30 | -0.32x |
| 2009-03-31 | -0.27x |
| 2008-11-30 | -0.56x |
| 2008-08-31 | 0.23x |
| 2008-05-31 | 0.15x |
| 2008-02-29 | 0.17x |
| 2007-11-30 | -0.38x |
| 2007-08-31 | 0.17x |
| 2007-05-31 | 0.22x |
| 2007-02-28 | 0.28x |
| 2006-11-30 | 0.29x |
| 2006-08-31 | 0.20x |
| 2006-05-31 | 0.29x |
| 2006-02-28 | 0.25x |
| 2005-11-30 | 0.25x |
| 2005-08-31 | 0.27x |
| 2005-05-31 | 0.24x |
| 2005-02-28 | 0.44x |
| 2004-11-30 | 0.34x |
| 2004-08-31 | 0.29x |
| 2004-05-31 | 0.58x |
| 2004-02-29 | 0.60x |
| 2003-11-30 | 0.33x |
| 2003-08-31 | 0.41x |
| 2003-05-31 | 0.29x |
| 2003-02-28 | 0.52x |
| 2002-11-30 | 0.38x |
| 2002-08-31 | 0.30x |