ASFZ (Associates First Capital) Effective Interest Rate on Debt %: 5.59% (As of Sep. 2000)

What is Associates First Capital Effective Interest Rate on Debt %?

Associates First Capital ASFZ -99.00% Effective Interest Rate on Debt % is 5.59% as of Sep. 2000.

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. Associates First Capital's annualized positive value of Interest Expense for the quarter that ended in Sep. 2000 was $4,209 Mil. Associates First Capital's average total debt for the quarter that ended in Sep. 2000 was $75,326 Mil. Therefore, Associates First Capital's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2000 was 5.59%.

Associates First Capital (OTCPK:ASFZ) Effective Interest Rate on Debt % Explanation

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

Associates First Capital Effective Interest Rate on Debt % Related Terms

Associates First Capital Effective Interest Rate on Debt % Historical Data

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The historical data trend for Associates First Capital'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.

Associates First Capital Effective Interest Rate on Debt % Chart

Associates First Capital Annual Data

Trend

Dec95

Dec96

Dec97

Dec98

Dec99

Effective Interest Rate on Debt %

6.20

6.44

6.15

5.68

5.92

Associates First Capital Quarterly Data
	Dec95	Mar96	Jun96	Sep96	Dec96	Mar97	Jun97	Sep97	Dec97	Mar98	Jun98	Sep98	Dec98	Mar99	Jun99	Sep99	Dec99	Mar00	Jun00	Sep00
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															5.56	5.69	5.54	5.84	5.59

ASFZ vs JGWE, IEGH, MITJF: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Associates First Capital'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.

Associates First Capital Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Associates First Capital's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Associates First Capital's Effective Interest Rate on Debt % falls into.

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Associates First Capital Effective Interest Rate on Debt % Calculation

Associates First Capital's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2099 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2098 )	+	Total Debt (A: Dec. 2099 ))	/ count )
=	-1 * -3906.5	/	( (63306.5	+	68657.4)	/ 2 )
=	-1 * -3906.5	/	65981.95
=	5.92 %

where

	Total Debt (A: Dec. 2098 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	37596.7	+	25709.8
=	63306.5

	Total Debt (A: Dec. 2099 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	41404	+	27253.4
=	68657.4

Associates First Capital's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2000 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Jun. 2000 )	+	Total Debt (Q: Sep. 2000 ))	/ count )
=	-1 * -4208.8	/	( (73415.7	+	77236.7)	/ 2 )
=	-1 * -4208.8	/	75326.2
=	5.59 %

where

	Total Debt (Q: Jun. 2000 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	42381.2	+	31034.5
=	73415.7

	Total Debt (Q: Sep. 2000 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	43932.5	+	33304.2
=	77236.7

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 four times the quarterly (Sep. 2000) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about Effective Interest Rate on Debt % →

What does a Effective Interest Rate on Debt % of 5.59% mean?

Associates First Capital (ASFZ) has a Effective Interest Rate on Debt % of 5.59% as of Sep. 2000. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Associates First Capital and its competitors.

Is Associates First Capital's Effective Interest Rate on Debt % too high?

Associates First Capital's current Effective Interest Rate on Debt % is 5.59%.

How does Associates First Capital's Effective Interest Rate on Debt % compare to JGWE and IEGH?

Associates First Capital's Effective Interest Rate on Debt % of 5.59% can be compared against companies in the Credit Services 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 a Credit Services company?

A good Effective Interest Rate on Debt % depends on the Credit Services 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 Associates First Capital and its competitors. Associates First Capital's current Effective Interest Rate on Debt % is 5.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Associates First Capital stock overvalued right now?

Associates First Capital (ASFZ) has a current Effective Interest Rate on Debt % of 5.59%. The current Effective Interest Rate on Debt % is 5.59%. 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 Associates First Capital (ASFZ), the current Effective Interest Rate on Debt % is 5.59% as of Sep. 2000. 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.

Associates First Capital Business Description

Industry Financial Services Credit Services

Comparable Companies JGWE IEGH MITJF LMFA FPAY ATLC LOAN ASFI CCCR MFIN MOGOF NICK SNFCA LTMP CPSS CLDC NXCN FASGF HTZZF CHWWF

Address 300 Street Paul Place, Baltimore, MD, USA, 75062-2729

Associates First Capital Corp operates in the financial services industry. The organization, provides finance, leasing, insurance, and related services to individual consumers and businesses.