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. Medibank Pvt's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$14 Mil. Medibank Pvt's average total debt for the quarter that ended in Dec. 2025 was A$242 Mil. Therefore, Medibank Pvt's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 5.86%.
Medibank Pvt (ASX:MPL) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Medibank Pvt Effective Interest Rate on Debt % Related Terms
Medibank Pvt Effective Interest Rate on Debt % Historical Data
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The historical data trend for Medibank Pvt'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.
Medibank Pvt Effective Interest Rate on Debt % Chart
ASX:MPL vs FNF, AXS, FAF: Effective Interest Rate on Debt % Comparison
For the Insurance - Specialty subindustry, Medibank Pvt'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.
Medibank Pvt Effective Interest Rate on Debt % vs Insurance Industry
For the Insurance industry and Financial Services sector, Medibank Pvt's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Medibank Pvt's Effective Interest Rate on Debt % falls into.
* 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 5.86% mean?
Medibank Pvt (ASX:MPL) has a Effective Interest Rate on Debt % of 5.86% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Medibank Pvt and its competitors.
Is Medibank Pvt's Effective Interest Rate on Debt % too high?
Medibank Pvt's current Effective Interest Rate on Debt % is 5.86%. Overall, Medibank Pvt has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Medibank Pvt's Effective Interest Rate on Debt % compare to FNF and AXS?
Medibank Pvt's Effective Interest Rate on Debt % of 5.86% can be compared against companies in the Insurance 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 Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 Medibank Pvt and its competitors. Medibank Pvt's current Effective Interest Rate on Debt % is 5.86%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Medibank Pvt stock overvalued right now?
Based on GuruFocus' analysis, Medibank Pvt (ASX:MPL) is currently considered Modestly Overvalued. The stock's GF Value™ is A$4.39, compared to a current price of A$5.00 — trading 13.9% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.86%. Medibank Pvt's overall GF Score™ is 77/100 with 6 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 Medibank Pvt (ASX:MPL), the current Effective Interest Rate on Debt % is 5.86% 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 Medibank Pvt (ASX:MPL) Overvalued in 2026?
Based on GuruFocus' analysis, Medibank Pvt stock appears to be overvalued.
The current stock price of A$5.00 is trading 13.9% above its estimated GF Value™ of A$4.39.
GuruFocus considers Medibank Pvt to be Modestly Overvalued.
Key valuation signals for ASX:MPL:
Effective Interest Rate on Debt %: 5.86%
GF Value™: A$4.39 vs. price of A$5.00 (13.9% above fair value)
No single metric tells the full story. See the ASX:MPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Previously owned by the Australian government, Medibank is the largest health insurer in Australia. Its two brands, Medibank Private and Ahm, cover around 5 million people. Medibank and Australia's fourth-largest health fund, NIB Holdings, are the only listed health insurers. In addition to private health insurance, the firm provides life, pet, and travel insurance, as well as health insurance for overseas students and temporary overseas workers. The Medibank Health division provides healthcare services to businesses, governments, and communities across Australia and New Zealand.
77GF Score
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