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. Admiral Group's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $33 Mil. Admiral Group's average total debt for the quarter that ended in Dec. 2025 was $2,335 Mil. Therefore, Admiral Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 1.40%.
Admiral Group (OTCPK:AMIGF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Admiral Group Effective Interest Rate on Debt % Related Terms
Admiral Group Effective Interest Rate on Debt % Historical Data
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The historical data trend for Admiral 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.
Admiral Group Effective Interest Rate on Debt % Chart
AMIGF vs CB, PGR, TRV: Effective Interest Rate on Debt % Comparison
For the Insurance - Property & Casualty subindustry, Admiral 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.
Admiral Group Effective Interest Rate on Debt % vs Insurance Industry
For the Insurance industry and Financial Services sector, Admiral Group's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Admiral 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 1.40% mean?
Admiral Group (AMIGF) has a Effective Interest Rate on Debt % of 1.40% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Admiral Group and its competitors.
Is Admiral Group's Effective Interest Rate on Debt % too high?
Admiral Group's current Effective Interest Rate on Debt % is 1.40%. Overall, Admiral Group has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Admiral Group's Effective Interest Rate on Debt % compare to CB and PGR?
Admiral Group's Effective Interest Rate on Debt % of 1.40% 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 Admiral Group and its competitors. Admiral Group's current Effective Interest Rate on Debt % is 1.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Admiral Group stock overvalued right now?
Based on GuruFocus' analysis, Admiral Group (AMIGF) is currently considered Fairly Valued. The stock's GF Value™ is $48.36, compared to a current price of $47.60 — trading 1.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 1.40%. Admiral Group's overall GF Score™ is 88/100 with 6 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 Admiral Group (AMIGF), the current Effective Interest Rate on Debt % is 1.40% 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 Admiral Group (AMIGF) Overvalued in 2026?
Based on GuruFocus' analysis, Admiral Group stock appears to be undervalued.
The current stock price of $47.60 is trading 1.6% below its estimated GF Value™ of $48.36.
GuruFocus considers Admiral Group to be Fairly Valued.
Key valuation signals for AMIGF:
Effective Interest Rate on Debt %: 1.40%
GF Value™: $48.36 vs. price of $47.60 (1.6% below fair value)
No single metric tells the full story. See the AMIGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Admiral is a personal lines insurer that operates predominantly in the United Kingdom. The business is primarily a motor insurer with UK and European auto insurance accounting for the majority of gross premium. The company also has a nascent but growing UK home insurance division. The company was established in 1993 to sell nonstandard risk motor insurance. These nonstandard policyholders included younger drivers, female drivers, drivers wanting to pay by credit card, and drivers based in London. Over the years the company has expanded its nonstandard risks perimeter.
88GF 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.
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