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. Shine Justice's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$6.3 Mil. Shine Justice's average total debt for the quarter that ended in Dec. 2025 was A$103.8 Mil. Therefore, Shine Justice's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 6.10%.
Shine Justice (ASX:SHJ) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Shine Justice Effective Interest Rate on Debt % Related Terms
Shine Justice Effective Interest Rate on Debt % Historical Data
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The historical data trend for Shine Justice'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.
Shine Justice Effective Interest Rate on Debt % Chart
ASX:SHJ vs ROL, SCI, FTDR: Effective Interest Rate on Debt % Comparison
For the Personal Services subindustry, Shine Justice'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.
Shine Justice Effective Interest Rate on Debt % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, Shine Justice's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Shine Justice'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 6.10% mean?
Shine Justice (ASX:SHJ) has a Effective Interest Rate on Debt % of 6.10% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Shine Justice and its competitors.
Is Shine Justice's Effective Interest Rate on Debt % too high?
Shine Justice's current Effective Interest Rate on Debt % is 6.10%. Overall, Shine Justice has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Shine Justice's Effective Interest Rate on Debt % compare to ROL and SCI?
Shine Justice's Effective Interest Rate on Debt % of 6.10% can be compared against companies in the Personal 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 Personal Services company?
A good Effective Interest Rate on Debt % depends on the Personal 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 Shine Justice and its competitors. Shine Justice's current Effective Interest Rate on Debt % is 6.10%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shine Justice stock overvalued right now?
Based on GuruFocus' analysis, Shine Justice (ASX:SHJ) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.73, compared to a current price of A$0.60 — trading 17.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 6.10%. Shine Justice's overall GF Score™ is 56/100 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 Shine Justice (ASX:SHJ), the current Effective Interest Rate on Debt % is 6.10% 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 Shine Justice (ASX:SHJ) Overvalued in 2026?
Based on GuruFocus' analysis, Shine Justice stock appears to be undervalued.
The current stock price of A$0.60 is trading 17.8% below its estimated GF Value™ of A$0.73.
GuruFocus considers Shine Justice to be Modestly Undervalued.
Key valuation signals for ASX:SHJ:
Effective Interest Rate on Debt %: 6.10%
GF Value™: A$0.73 vs. price of A$0.60 (17.8% below fair value)
No single metric tells the full story. See the ASX:SHJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shine Justice Ltd offers legal services. It operates through the following business segments: Personal injury and Class Actions. The firm generates the majority of its revenue from the Personal injury segment. Its Personal injury segment includes motor vehicle accidents, workers' compensation, public liability, catastrophic injuries, and Others. Its firm includes Shine Lawyers, Sciaccas Lawyers, Stephen Browne Personal Injury Lawyers, Bradley Bayly Lawyers, and Carr & Co Divorce and Family Lawyers.
56GF Score
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