Finexia Financial Group (ASX:FNX) Effective Interest Rate on Debt %: 11.02% (As of Jun. 2025)


ASX:FNX Finexia Financial Group Ltd ASX:FNX
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What is Finexia Financial Group Effective Interest Rate on Debt %?

Finexia Financial Group ASX:FNX 13 Effective Interest Rate on Debt % is 11.02% as of Jun. 2025. GuruFocus rates ASX:FNX with a GF Score™ of 13/100. The stock has 5 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. Finexia Financial Group's annualized positive value of Interest Expense for the quarter that ended in Jun. 2025 was A$13.41 Mil. Finexia Financial Group's average total debt for the quarter that ended in Jun. 2025 was A$121.63 Mil. Therefore, Finexia Financial Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2025 was 11.02%.


Finexia Financial Group  (ASX:FNX) Effective Interest Rate on Debt % Explanation

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


Finexia Financial Group Effective Interest Rate on Debt % Related Terms


Finexia Financial Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Finexia Financial 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.

Finexia Financial Group Effective Interest Rate on Debt % Chart

Finexia Financial Group Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.83 7.21 10.08 10.88 10.84

Finexia Financial Group Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25
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 16.90 9.97 11.41 10.54 11.02

ASX:FNX vs MS, GS, SCHW: Effective Interest Rate on Debt % Comparison

For the Capital Markets subindustry, Finexia Financial 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.


Finexia Financial Group Effective Interest Rate on Debt % vs Capital Markets Industry

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

* The bar in red indicates where Finexia Financial Group's Effective Interest Rate on Debt % falls into.


ASX:FNX
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Finexia Financial Group Ltd ASX:FNX
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Finexia Financial Group Effective Interest Rate on Debt % Calculation

Finexia Financial Group's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -12.111/( (92.665+130.761)/ 2 )
=-1  *  -12.111/111.713
=10.84 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=84.982 + 7.683
=92.665

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=129.629 + 1.132
=130.761

Finexia Financial Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Jun. 2025 ))/ count )
=-1  *  -13.408/( (112.504+130.761)/ 2 )
=-1  *  -13.408/121.6325
=11.02 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=112.191 + 0.313
=112.504

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=129.629 + 1.132
=130.761

* 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 (Jun. 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 11.02% mean?
Finexia Financial Group (ASX:FNX) has a Effective Interest Rate on Debt % of 11.02% as of Jun. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Finexia Financial Group and its competitors.
Is Finexia Financial Group's Effective Interest Rate on Debt % too high?
Finexia Financial Group's current Effective Interest Rate on Debt % is 11.02%. Overall, Finexia Financial Group has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Finexia Financial Group's Effective Interest Rate on Debt % compare to MS and GS?
Finexia Financial Group's Effective Interest Rate on Debt % of 11.02% can be compared against companies in the Capital Markets 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 Capital Markets company?
A good Effective Interest Rate on Debt % depends on the Capital Markets 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 Finexia Financial Group and its competitors. Finexia Financial Group's current Effective Interest Rate on Debt % is 11.02%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finexia Financial Group stock overvalued right now?
Finexia Financial Group (ASX:FNX) has a current Effective Interest Rate on Debt % of 11.02%. The current Effective Interest Rate on Debt % is 11.02%. Finexia Financial Group's overall GF Score™ is 13/100 with 5 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 Finexia Financial Group (ASX:FNX), the current Effective Interest Rate on Debt % is 11.02% as of Jun. 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.

Finexia Financial Group Business Description

Address 264 George Street, Level 18, Australia Square Tower, Sydney, NSW, AUS, 2000
Finexia Financial Group Ltd is a diversified financial services company engaged in private credit, funds management, and structured financing. The company focuses on lending markets, particularly in the childcare sector, where it provides financial solutions for acquiring, opening, refurbishing, and expanding childcare centers. Additionally, Finexia rewards investors with monthly distributions, offering a consistent income stream. Its operating segments include Stockbroking and Corporate Advisory, Funds and Asset Management, and Private Credit. The majority of its revenue is from Stockbroking and corporate advisory.
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