Gemlife Communities Group (ASX:GLF) Effective Interest Rate on Debt %: 5.76% (As of Dec. 2025)


ASX:GLF Gemlife Communities Group ASX:GLF
18 GF Score
Price A$4.55
! 7 Warning Signs
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What is Gemlife Communities Group Effective Interest Rate on Debt %?

Gemlife Communities Group ASX:GLF +1.34% 18 Effective Interest Rate on Debt % is 5.76% as of Dec. 2025. GuruFocus rates ASX:GLF with a GF Score™ of 18/100. 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. Gemlife Communities Group's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$24.5 Mil. Gemlife Communities Group's average total debt for the quarter that ended in Dec. 2025 was A$424.4 Mil. Therefore, Gemlife Communities Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 5.76%.

Gemlife Communities Group  (ASX:GLF) Effective Interest Rate on Debt % Explanation

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

Gemlife Communities Group Effective Interest Rate on Debt % Related Terms

Gemlife Communities Group Effective Interest Rate on Debt % Historical Data

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The historical data trend for Gemlife Communities 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.

Gemlife Communities Group Effective Interest Rate on Debt % Chart

Gemlife Communities Group Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
0.00 0.00 9.37 5.76

Gemlife Communities Group Semi-Annual Data
Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt % 0.00 0.00 9.37 5.76

Gemlife Communities Group Effective Interest Rate on Debt % Competitor Comparison

For the Real Estate - Development subindustry, Gemlife Communities 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.

Gemlife Communities Group Effective Interest Rate on Debt % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Gemlife Communities Group's Effective Interest Rate on Debt % distribution charts can be found below:

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


ASX:GLF
18GF Score
Gemlife Communities Group ASX:GLF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Gemlife Communities Group Effective Interest Rate on Debt % Calculation

Gemlife Communities Group'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  *  -24.452/( (373.5+475.242)/ 2 )
=-1  *  -24.452/424.371
=5.76 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=362.5 + 11
=373.5

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=464.241 + 11.001
=475.242

Gemlife Communities 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: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -24.452/( (373.5+475.242)/ 2 )
=-1  *  -24.452/424.371
=5.76 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=362.5 + 11
=373.5

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=464.241 + 11.001
=475.242

* 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 one times the 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 5.76% mean?
Gemlife Communities Group (ASX:GLF) has a Effective Interest Rate on Debt % of 5.76% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Gemlife Communities Group and its competitors.
Is Gemlife Communities Group's Effective Interest Rate on Debt % too high?
Gemlife Communities Group's current Effective Interest Rate on Debt % is 5.76%. Overall, Gemlife Communities Group has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Gemlife Communities Group's Effective Interest Rate on Debt % compare to competitors?
Gemlife Communities Group's Effective Interest Rate on Debt % of 5.76% can be compared against companies in the Real Estate 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 Real Estate company?
A good Effective Interest Rate on Debt % depends on the Real Estate 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 Gemlife Communities Group and its competitors. Gemlife Communities Group's current Effective Interest Rate on Debt % is 5.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gemlife Communities Group stock overvalued right now?
Gemlife Communities Group (ASX:GLF) has a current Effective Interest Rate on Debt % of 5.76%. The current Effective Interest Rate on Debt % is 5.76%. Gemlife Communities Group's overall GF Score™ is 18/100 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 Gemlife Communities Group (ASX:GLF), the current Effective Interest Rate on Debt % is 5.76% 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.

Gemlife Communities Group Business Description

Address 120 Siganto Drive, Level 2, Helensvale, Gold Coast, QLD, AUS, 4212
GemLife Communities Group is a developer, builder, owner, and operator within Australia's Land Lease Community (LLC) sector. It provides premium resort-style living for homeowners aged 50 and over, designed to support a high-quality, active, and socially engaged lifestyle. GemLife focuses on delivering master-planned residential communities to senior downsizers, with homes that are low-maintenance and equipped with recreational and leisure facilities to support community-oriented living. It has two reportable segments: Development and Community Operations. Maximum revenue is generated from the Development segment, which develops the land and sells the home on behalf of the landowner. The Community Operations segment is responsible for the maintenance of the common areas of the communities.
18GF Score

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