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Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. AIA Group's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $626 Mil. AIA Group's average total debt for the quarter that ended in Dec. 2025 was $14,496 Mil. Therefore, AIA Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 4.32%.
AIA Group (OTCPK:AAIGF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
AIA Group Effective Interest Rate on Debt % Related Terms
AIA Group Effective Interest Rate on Debt % Historical Data
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The historical data trend for AIA Group's Effective Interest Rate on Debt % 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.
AAIGF vs AFL, MET, PRU: Effective Interest Rate on Debt % Comparison
For the Insurance - Life subindustry, AIA Group's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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.
AIA Group Effective Interest Rate on Debt % vs Insurance Industry
For the Insurance industry and Financial Services sector, AIA Group's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where AIA Group's Effective Interest Rate on Debt % falls into.
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 4.32% mean?
AIA Group (AAIGF) has a Effective Interest Rate on Debt % of 4.32% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on AIA Group and its competitors.
Is AIA Group's Effective Interest Rate on Debt % too high?
AIA Group's current Effective Interest Rate on Debt % is 4.32%. Overall, AIA Group has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's Effective Interest Rate on Debt % compare to AFL and MET?
AIA Group's Effective Interest Rate on Debt % of 4.32% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on AIA Group and its competitors. AIA Group's current Effective Interest Rate on Debt % is 4.32%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAIGF) is currently considered Fairly Valued. The stock's GF Value™ is $9.64, compared to a current price of $9.44 — trading 2.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.32%. AIA Group's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For AIA Group (AAIGF), the current Effective Interest Rate on Debt % is 4.32% as of Dec. 2025. 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 AIA Group (AAIGF) Overvalued in 2026?
Based on GuruFocus' analysis, AIA Group stock appears to be undervalued.
The current stock price of $9.44 is trading 2.1% below its estimated GF Value™ of $9.64.
GuruFocus considers AIA Group to be Fairly Valued.
Key valuation signals for AAIGF:
Effective Interest Rate on Debt %: 4.32%
GF Value™: $9.64 vs. price of $9.44 (2.1% below fair value)
No single metric tells the full story. See the AAIGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
60GF Score
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