Embark Early Education (ASX:EVO) Effective Interest Rate on Debt %: -7.46% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ASX:EVO Embark Early Education Ltd ASX:EVO
22 GF Score
Price A$0.42
GF Value A$0.90
Valuation Possible Value Trap
! 7 Warning Signs
View Full Analysis

What is Embark Early Education Effective Interest Rate on Debt %?

Embark Early Education ASX:EVO 22 Effective Interest Rate on Debt % is -7.46% as of Dec. 2025. GuruFocus rates ASX:EVO with a GF Score™ of 22/100 and a GF Value™ of A$0.90 (Possible Value Trap). The stock has 7 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. Embark Early Education's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$-9.23 Mil. Embark Early Education's average total debt for the quarter that ended in Dec. 2025 was A$123.77 Mil. Therefore, Embark Early Education's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was -7.46%.


Embark Early Education  (ASX:EVO) Effective Interest Rate on Debt % Explanation

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


Embark Early Education Effective Interest Rate on Debt % Related Terms


Embark Early Education Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Embark Early Education'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.

Embark Early Education Effective Interest Rate on Debt % Chart

Embark Early Education Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.22 1.69 0.00 0.19 0.53

Embark Early Education Semi-Annual Data
Mar16 Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 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 Premium Member Only Premium Member Only -8.48 8.92 -6.58 9.39 -7.46

ASX:EVO vs EDU, TAL, LAUR: Effective Interest Rate on Debt % Comparison

For the Education & Training Services subindustry, Embark Early Education'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.


Embark Early Education Effective Interest Rate on Debt % vs Education Industry

For the Education industry and Consumer Defensive sector, Embark Early Education's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Embark Early Education's Effective Interest Rate on Debt % falls into.


ASX:EVO
22GF Score
Embark Early Education Ltd ASX:EVO
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Embark Early Education Effective Interest Rate on Debt % Calculation

Embark Early Education'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  *  -0.636/( (115.549+124.91)/ 2 )
=-1  *  -0.636/120.2295
=0.53 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=101.458 + 14.091
=115.549

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=114.425 + 10.485
=124.91

Embark Early Education'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: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  9.232/( (122.622+124.91)/ 2 )
=-1  *  9.232/123.766
=-7.46 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=105.951 + 16.671
=122.622

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=114.425 + 10.485
=124.91

* 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 -7.46% mean?
Embark Early Education (ASX:EVO) has a Effective Interest Rate on Debt % of -7.46% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Embark Early Education and its competitors.
Is Embark Early Education's Effective Interest Rate on Debt % too high?
Embark Early Education's current Effective Interest Rate on Debt % is -7.46%. Overall, Embark Early Education has a GF Score™ of 22/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Embark Early Education's Effective Interest Rate on Debt % compare to EDU and TAL?
Embark Early Education's Effective Interest Rate on Debt % of -7.46% can be compared against companies in the Education 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 Education company?
A good Effective Interest Rate on Debt % depends on the Education 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 Embark Early Education and its competitors. Embark Early Education's current Effective Interest Rate on Debt % is -7.46%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Embark Early Education stock overvalued right now?
Based on GuruFocus' analysis, Embark Early Education (ASX:EVO) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.90, compared to a current price of A$0.42 — trading 53.9% below its estimated fair value. The current Effective Interest Rate on Debt % is -7.46%. Embark Early Education's overall GF Score™ is 22/100 with 7 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 Embark Early Education (ASX:EVO), the current Effective Interest Rate on Debt % is -7.46% 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 Embark Early Education (ASX:EVO) Overvalued in 2026?

Based on GuruFocus' analysis, Embark Early Education stock appears to be undervalued. The current stock price of A$0.42 is trading 53.9% below its estimated GF Value™ of A$0.90. GuruFocus considers Embark Early Education to be Possible Value Trap.

Key valuation signals for ASX:EVO:

  • Effective Interest Rate on Debt %: -7.46%
  • GF Value™: A$0.90 vs. price of A$0.42 (53.9% below fair value)
  • GF Score™: 22/100 with 7 warning signs

No single metric tells the full story. See the ASX:EVO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Embark Early Education Business Description

Address 120-122 Siganto Drive, Suite 102, Level 1, M1 Connect Business Hub, Helensvale, Gold Coast, QLD, AUS, 4212
Embark Early Education Ltd is a company that is engaged in the provision and management of an early childhood education service that gives parents and caregivers the option of which service suits their child's learning and care needs. The company is engaged in operation of childcare centres in Australia. The company owns and operates childcare centers. It has centers in Queensland, Victoria, New South Wales, Tasmania and South Australia.
22GF Score

Get the complete analysis for ASX:EVO

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

A$0.42
Price
A$0.90
GF Value