Motorcycle Holdings (ASX:MTO) Effective Interest Rate on Debt %: 8.55% (As of Dec. 2025)


ASX:MTO Motorcycle Holdings Ltd ASX:MTO
83 GF Score
Price A$2.61
GF Value A$2.65
Valuation Fairly Valued
! 5 Warning Signs
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What is Motorcycle Holdings Effective Interest Rate on Debt %?

Motorcycle Holdings ASX:MTO 83 Effective Interest Rate on Debt % is 8.55% as of Dec. 2025. GuruFocus rates ASX:MTO with a GF Score™ of 83/100 and a GF Value™ of A$2.65 (Fairly Valued). 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. Motorcycle Holdings's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$8.7 Mil. Motorcycle Holdings's average total debt for the quarter that ended in Dec. 2025 was A$102.3 Mil. Therefore, Motorcycle Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 8.55%.


Motorcycle Holdings  (ASX:MTO) Effective Interest Rate on Debt % Explanation

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


Motorcycle Holdings Effective Interest Rate on Debt % Related Terms


Motorcycle Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Motorcycle Holdings'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.

Motorcycle Holdings Effective Interest Rate on Debt % Chart

Motorcycle Holdings 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 0.43 0.22 3.30 4.31 3.22

Motorcycle Holdings 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 7.49 1.10 8.78 0.07 8.55

ASX:MTO vs CVNA, PAG, ALTB: Effective Interest Rate on Debt % Comparison

For the Auto & Truck Dealerships subindustry, Motorcycle Holdings'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.


Motorcycle Holdings Effective Interest Rate on Debt % vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, Motorcycle Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


ASX:MTO
83GF Score
Motorcycle Holdings Ltd ASX:MTO
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Motorcycle Holdings Effective Interest Rate on Debt % Calculation

Motorcycle Holdings'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  *  -4.45/( (144.509+131.84)/ 2 )
=-1  *  -4.45/138.1745
=3.22 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=84.25 + 60.259
=144.509

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=75.18 + 56.66
=131.84

Motorcycle Holdings'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  *  -8.748/( (131.84+72.827)/ 2 )
=-1  *  -8.748/102.3335
=8.55 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=75.18 + 56.66
=131.84

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 72.827
=72.827

* 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 8.55% mean?
Motorcycle Holdings (ASX:MTO) has a Effective Interest Rate on Debt % of 8.55% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Motorcycle Holdings and its competitors.
Is Motorcycle Holdings' Effective Interest Rate on Debt % too high?
Motorcycle Holdings' current Effective Interest Rate on Debt % is 8.55%. Overall, Motorcycle Holdings has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Motorcycle Holdings' Effective Interest Rate on Debt % compare to CVNA and PAG?
Motorcycle Holdings' Effective Interest Rate on Debt % of 8.55% can be compared against companies in the Vehicles & Parts 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 Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts 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 Motorcycle Holdings and its competitors. Motorcycle Holdings's current Effective Interest Rate on Debt % is 8.55%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Motorcycle Holdings stock overvalued right now?
Based on GuruFocus' analysis, Motorcycle Holdings (ASX:MTO) is currently considered Fairly Valued. The stock's GF Value™ is A$2.65, compared to a current price of A$2.61 — trading 1.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 8.55%. Motorcycle Holdings' overall GF Score™ is 83/100 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 Motorcycle Holdings (ASX:MTO), the current Effective Interest Rate on Debt % is 8.55% 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 Motorcycle Holdings (ASX:MTO) Overvalued in 2026?

Based on GuruFocus' analysis, Motorcycle Holdings stock appears to be undervalued. The current stock price of A$2.61 is trading 1.5% below its estimated GF Value™ of A$2.65. GuruFocus considers Motorcycle Holdings to be Fairly Valued.

Key valuation signals for ASX:MTO:

  • Effective Interest Rate on Debt %: 8.55%
  • GF Value™: A$2.65 vs. price of A$2.61 (1.5% below fair value)
  • GF Score™: 83/100 with 5 warning signs

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


Motorcycle Holdings Business Description

Address 68 Moss Street, Slacks Creek, Logan City, QLD, AUS, 4127
Motorcycle Holdings Ltd is a motorcycle dealer in Australia. It has two reporting segments. First, Motorcycle Retailing, which offers a range of motorcycle products and services to the general public in Australia, including the sale of new and used motorcycles, parts, servicing, accessories, and MPPs. The segment also facilitates insurance and financing for motorcycle purchases through third-party sources. Second, the Motorcycle and Accessories Wholesaling segment, which imports and distributes a range of motorcycles, ATVs, scooters, and motorcycle parts and accessories to wholesale customers in Australia and New Zealand, including the Group's own retail outlets.
83GF Score

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

A$2.61
Price
A$2.65
GF Value