Sharjah Insurance Co PSC (ADX:SICO) Effective Interest Rate on Debt %: 7.66% (As of Dec. 2025)


ADX:SICO Sharjah Insurance Co PSC ADX:SICO
32 GF Score
Price د.إ1.52
! 2 Warning Signs
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What is Sharjah Insurance Co PSC Effective Interest Rate on Debt %?

Sharjah Insurance Co PSC ADX:SICO 32 Effective Interest Rate on Debt % is 7.66% as of Dec. 2025. GuruFocus rates ADX:SICO with a GF Score™ of 32/100. The stock has 2 warning signs investors should review.

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. Sharjah Insurance Co PSC's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was د.إ0.08 Mil. Sharjah Insurance Co PSC's average total debt for the quarter that ended in Dec. 2025 was د.إ1.04 Mil. Therefore, Sharjah Insurance Co PSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 7.66%.


Sharjah Insurance Co PSC  (ADX:SICO) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Sharjah Insurance Co PSC Effective Interest Rate on Debt % Related Terms


Sharjah Insurance Co PSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Sharjah Insurance Co PSC'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.

Sharjah Insurance Co PSC Effective Interest Rate on Debt % Chart

Sharjah Insurance Co PSC Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.79 4.16 7.05 5.43 7.66

Sharjah Insurance Co PSC Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec15 Dec16 Dec17 Dec18 Dec19 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.79 4.16 7.05 5.43 7.66

ADX:SICO vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, Sharjah Insurance Co PSC'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.


Sharjah Insurance Co PSC Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Sharjah Insurance Co PSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Sharjah Insurance Co PSC's Effective Interest Rate on Debt % falls into.


ADX:SICO
32GF Score
Sharjah Insurance Co PSC ADX:SICO
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Sharjah Insurance Co PSC Effective Interest Rate on Debt % Calculation

Sharjah Insurance Co PSC's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -0.08/( (1.382+0.707)/ 2 )
=-1  *  -0.08/1.0445
=7.66 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.061 + 0.321
=1.382

Sharjah Insurance Co PSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -0.08/( (1.382+0.707)/ 2 )
=-1  *  -0.08/1.0445
=7.66 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.061 + 0.321
=1.382

* 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 one times the 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 7.66% mean?
Sharjah Insurance Co PSC (ADX:SICO) has a Effective Interest Rate on Debt % of 7.66% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sharjah Insurance Co PSC and its competitors.
Is Sharjah Insurance Co PSC's Effective Interest Rate on Debt % too high?
Sharjah Insurance Co PSC's current Effective Interest Rate on Debt % is 7.66%. Overall, Sharjah Insurance Co PSC has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Sharjah Insurance Co PSC's Effective Interest Rate on Debt % compare to BRK.A and AIG?
Sharjah Insurance Co PSC's Effective Interest Rate on Debt % of 7.66% 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 Sharjah Insurance Co PSC and its competitors. Sharjah Insurance Co PSC's current Effective Interest Rate on Debt % is 7.66%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Insurance Co PSC stock overvalued right now?
Sharjah Insurance Co PSC (ADX:SICO) has a current Effective Interest Rate on Debt % of 7.66%. The current Effective Interest Rate on Debt % is 7.66%. Sharjah Insurance Co PSC's overall GF Score™ is 32/100 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 Sharjah Insurance Co PSC (ADX:SICO), the current Effective Interest Rate on Debt % is 7.66% 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.

Sharjah Insurance Co PSC Business Description

Address Ground and O2 Floors, Al Raha Tower, Corniche Al Mamzar, P.O. Box 792, Al Khan, Sharjah, ARE
Sharjah Insurance Co PSC deals in general insurance, property, non-property insurance, and life insurance. Its personal insurance includes motor insurance, travel insurance, and home insurance; and its commercial insurance includes marine insurance, fire insurance, engineering insurance, general accident insurance, liability insurance, life insurance, and motor insurance. The company is organized into two segments: underwriting and investment. Underwriting segment comprises engineering and motor insurance, marine insurance, fire insurance, and other insurances. Investment segment includes investments inside and outside UAE, marketable equity securities, term deposit with banks and investment properties. The majority of the revenue is derived from the Underwriting segment.
32GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ1.52
Price