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. Plenti Group's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was A$313.7 Mil. Plenti Group's average total debt for the quarter that ended in Mar. 2026 was A$2,917.4 Mil. Therefore, Plenti Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 10.75%.
Plenti Group (ASX:PLT) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Plenti Group Effective Interest Rate on Debt % Related Terms
Plenti Group Effective Interest Rate on Debt % Historical Data
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The historical data trend for Plenti 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.
Plenti Group Effective Interest Rate on Debt % Chart
ASX:PLT vs V, MA, AXP: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, Plenti 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.
Plenti Group Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Plenti Group's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Plenti Group'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 (Mar. 2026) 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 10.75% mean?
Plenti Group (ASX:PLT) has a Effective Interest Rate on Debt % of 10.75% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Plenti Group and its competitors.
Is Plenti Group's Effective Interest Rate on Debt % too high?
Plenti Group's current Effective Interest Rate on Debt % is 10.75%. Overall, Plenti Group has a GF Score™ of 54/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Plenti Group's Effective Interest Rate on Debt % compare to V and MA?
Plenti Group's Effective Interest Rate on Debt % of 10.75% can be compared against companies in the Credit 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit 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 Plenti Group and its competitors. Plenti Group's current Effective Interest Rate on Debt % is 10.75%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plenti Group stock overvalued right now?
Based on GuruFocus' analysis, Plenti Group (ASX:PLT) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.09, compared to a current price of A$0.73 — trading 33% below its estimated fair value. The current Effective Interest Rate on Debt % is 10.75%. Plenti Group's overall GF Score™ is 54/100 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 Plenti Group (ASX:PLT), the current Effective Interest Rate on Debt % is 10.75% as of Mar. 2026. 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 Plenti Group (ASX:PLT) Overvalued in 2026?
Based on GuruFocus' analysis, Plenti Group stock appears to be undervalued.
The current stock price of A$0.73 is trading 33% below its estimated GF Value™ of A$1.09.
GuruFocus considers Plenti Group to be Possible Value Trap.
Key valuation signals for ASX:PLT:
Effective Interest Rate on Debt %: 10.75%
GF Value™: A$1.09 vs. price of A$0.73 (33% below fair value)
No single metric tells the full story. See the ASX:PLT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plenti Group Ltd is a fintech lender to prime consumer and commercial borrowers. Its operations consist mainly of the provision of financial services in Australia. The company has single operating segment. The company offers offer award-winning automotive, renewable energy and personal loans, delivered by its proprietary technology, to help creditworthy borrowers bring their ideas to life. The company's loan types are Personal Loans, Debt Consolidation Loans, Renovation Loans, Car Loans, EV Loans, Holiday Loans, Medical Loans, Wedding Loans, Motorbike Loans, Moving Cost Loans, Boat Loans, Legal Fee Loans, Solar and Battery Loans, and Caravan Loans.
54GF Score
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