Kina Securities (ASX:KSL) Effective Interest Rate on Debt %: 193.00% (As of Dec. 2025)

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ASX:KSL Kina Securities Ltd ASX:KSL
79 GF Score
Price A$1.25
GF Value A$1.18
Valuation Fairly Valued
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What is Kina Securities Effective Interest Rate on Debt %?

Kina Securities ASX:KSL +0.40% 79 Effective Interest Rate on Debt % is 193.00% as of Dec. 2025. GuruFocus rates ASX:KSL with a GF Score™ of 79/100 and a GF Value™ of A$1.18 (Fairly Valued).

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. Kina Securities's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$29.1 Mil. Kina Securities's average total debt for the quarter that ended in Dec. 2025 was A$15.1 Mil. Therefore, Kina Securities's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 193.00%.


Kina Securities  (ASX:KSL) Effective Interest Rate on Debt % Explanation

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


Kina Securities Effective Interest Rate on Debt % Related Terms


Kina Securities Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Kina Securities'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.

Kina Securities Effective Interest Rate on Debt % Chart

Kina Securities Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 53.57 74.27 114.51 160.11 208.64

Kina Securities 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 139.06 136.78 185.07 155.01 193.00

ASX:KSL vs VOYA, FRHC: Effective Interest Rate on Debt % Comparison

For the Financial Conglomerates subindustry, Kina Securities'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.


Kina Securities Effective Interest Rate on Debt % vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, Kina Securities's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Kina Securities's Effective Interest Rate on Debt % falls into.


ASX:KSL
79GF Score
Kina Securities Ltd ASX:KSL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Kina Securities Effective Interest Rate on Debt % Calculation

Kina Securities'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  *  -24.765/( (10.015+13.725)/ 2 )
=-1  *  -24.765/11.87
=208.64 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=10.015 + 0
=10.015

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=13.725 + 0
=13.725

Kina Securities'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  *  -29.064/( (16.393+13.725)/ 2 )
=-1  *  -29.064/15.059
=193.00 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 16.393
=16.393

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=13.725 + 0
=13.725

* 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 193.00% mean?
Kina Securities (ASX:KSL) has a Effective Interest Rate on Debt % of 193.00% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Kina Securities and its competitors.
Is Kina Securities' Effective Interest Rate on Debt % too high?
Kina Securities' current Effective Interest Rate on Debt % is 193.00%. Overall, Kina Securities has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Kina Securities' Effective Interest Rate on Debt % compare to VOYA and FRHC?
Kina Securities' Effective Interest Rate on Debt % of 193.00% can be compared against companies in the Diversified Financial 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 Diversified Financial Services company?
A good Effective Interest Rate on Debt % depends on the Diversified Financial 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 Kina Securities and its competitors. Kina Securities's current Effective Interest Rate on Debt % is 193.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kina Securities stock overvalued right now?
Based on GuruFocus' analysis, Kina Securities (ASX:KSL) is currently considered Fairly Valued. The stock's GF Value™ is A$1.18, compared to a current price of A$1.25 — trading 5.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 193.00%. Kina Securities' overall GF Score™ is 79/100. 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 Kina Securities (ASX:KSL), the current Effective Interest Rate on Debt % is 193.00% 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 Kina Securities (ASX:KSL) Overvalued in 2026?

Based on GuruFocus' analysis, Kina Securities stock appears to be overvalued. The current stock price of A$1.25 is trading 5.5% above its estimated GF Value™ of A$1.18. GuruFocus considers Kina Securities to be Fairly Valued.

Key valuation signals for ASX:KSL:

  • Effective Interest Rate on Debt %: 193.00%
  • GF Value™: A$1.18 vs. price of A$1.25 (5.5% above fair value)
  • GF Score™: 79/100

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


Kina Securities Business Description

Address Douglas Street, PO Box 1141, 9th Level, Kina Bank Haus, Port Moresby, PNG, NCD 121
Kina Securities Ltd provides diversified financial products and services. The company offers banking services, personal and commercial loans, money market operations, provision of share brokerage, fund administration, investment management services asset financing, and corporate advice. The Group's reportable segments include Banking & Finance and Wealth Management. The Banking & Finance segment includes the operations of the Bank while the Wealth Management segment includes fund management and fund administration business. It derives the majority of its revenues from the banking segment.
79GF Score

Get the complete analysis for ASX:KSL

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

A$1.25
Price
A$1.18
GF Value