Generation Development Group (ASX:GDG) Effective Interest Rate on Debt %: 28.00% (As of Dec. 2025)


ASX:GDG Generation Development Group Ltd ASX:GDG
57 GF Score
Price A$4.06
GF Value A$7.87
Valuation Possible Value Trap
! 3 Warning Signs
View Full Analysis

What is Generation Development Group Effective Interest Rate on Debt %?

Generation Development Group ASX:GDG +9.14% 57 Effective Interest Rate on Debt % is 28.00% as of Dec. 2025. GuruFocus rates ASX:GDG with a GF Score™ of 57/100 and a GF Value™ of A$7.87 (Possible Value Trap). The stock has 3 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. Generation Development Group's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$7.4 Mil. Generation Development Group's average total debt for the quarter that ended in Dec. 2025 was A$26.6 Mil. Therefore, Generation Development Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 28.00%.


Generation Development Group  (ASX:GDG) Effective Interest Rate on Debt % Explanation

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


Generation Development Group Effective Interest Rate on Debt % Related Terms


Generation Development Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Generation Development 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.

Generation Development Group Effective Interest Rate on Debt % Chart

Generation Development 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 1.93 3.17 3.26 80.20 36.35

Generation Development Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 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 66.28 98.90 43.65 -13.78 28.00

ASX:GDG vs BLK, BX, KKR: Effective Interest Rate on Debt % Comparison

For the Asset Management subindustry, Generation Development 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.


Generation Development Group Effective Interest Rate on Debt % vs Asset Management Industry

For the Asset Management industry and Financial Services sector, Generation Development Group's Effective Interest Rate on Debt % distribution charts can be found below:

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


ASX:GDG
57GF Score
Generation Development Group Ltd ASX:GDG
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Generation Development Group Effective Interest Rate on Debt % Calculation

Generation Development 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  *  -1.908/( (3.465+7.033)/ 2 )
=-1  *  -1.908/5.249
=36.35 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.672 + 0.793
=3.465

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.44 + 1.593
=7.033

Generation Development Group'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  *  -7.436/( (7.033+46.072)/ 2 )
=-1  *  -7.436/26.5525
=28.00 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.44 + 1.593
=7.033

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=46.072 + 0
=46.072

* 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 28.00% mean?
Generation Development Group (ASX:GDG) has a Effective Interest Rate on Debt % of 28.00% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Generation Development Group and its competitors.
Is Generation Development Group's Effective Interest Rate on Debt % too high?
Generation Development Group's current Effective Interest Rate on Debt % is 28.00%. Overall, Generation Development Group has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Generation Development Group's Effective Interest Rate on Debt % compare to BLK and BX?
Generation Development Group's Effective Interest Rate on Debt % of 28.00% can be compared against companies in the Asset Management 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 Asset Management company?
A good Effective Interest Rate on Debt % depends on the Asset Management 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 Generation Development Group and its competitors. Generation Development Group's current Effective Interest Rate on Debt % is 28.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generation Development Group stock overvalued right now?
Based on GuruFocus' analysis, Generation Development Group (ASX:GDG) is currently considered Possible Value Trap. The stock's GF Value™ is A$7.87, compared to a current price of A$4.06 — trading 48.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 28.00%. Generation Development Group's overall GF Score™ is 57/100 with 3 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 Generation Development Group (ASX:GDG), the current Effective Interest Rate on Debt % is 28.00% 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 Generation Development Group (ASX:GDG) Overvalued in 2026?

Based on GuruFocus' analysis, Generation Development Group stock appears to be undervalued. The current stock price of A$4.06 is trading 48.4% below its estimated GF Value™ of A$7.87. GuruFocus considers Generation Development Group to be Possible Value Trap.

Key valuation signals for ASX:GDG:

  • Effective Interest Rate on Debt %: 28.00%
  • GF Value™: A$7.87 vs. price of A$4.06 (48.4% below fair value)
  • GF Score™: 57/100 with 3 warning signs

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


Generation Development Group Business Description

Address 447 Collins Street, Level 17, Melbourne, VIC, AUS, 3000
Founded in 1991, Generation originally operated as a pooled development fund, focusing on providing capital to businesses in financial services. Today, the firm is structured across three key business lines within wealth management. The first is through Generation Life, the market leader in investment bonds by in-flows, which offers tax-effective products, including investment bonds and annuities. The second business line is Lonsec, a prominent research and ratings provider to the Australian financial services sector, competing against Morningstar and Zenith. The third division provides managed account solutions, a result of the merger between Evidentia and Lonsec Investment Solutions, offering individually owned accounts professionally managed by experienced portfolio managers.
57GF Score

Get the complete analysis for ASX:GDG

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

A$4.06
Price
A$7.87
GF Value