Step One Clothing (ASX:STP) Effective Interest Rate on Debt %: 4.29% (As of Dec. 2025)


ASX:STP Step One Clothing Ltd ASX:STP
39 GF Score
Price A$0.15
GF Value A$0.64
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Step One Clothing Effective Interest Rate on Debt %?

Step One Clothing ASX:STP +3.57% 39 Effective Interest Rate on Debt % is 4.29% as of Dec. 2025. GuruFocus rates ASX:STP with a GF Score™ of 39/100 and a GF Value™ of A$0.64 (Significantly Undervalued). The stock has 3 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. Step One Clothing's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$0.04 Mil. Step One Clothing's average total debt for the quarter that ended in Dec. 2025 was A$0.93 Mil. Therefore, Step One Clothing's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 4.29%.

Step One Clothing  (ASX:STP) Effective Interest Rate on Debt % Explanation

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

Step One Clothing Effective Interest Rate on Debt % Related Terms

Step One Clothing Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Step One Clothing'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.

Step One Clothing Effective Interest Rate on Debt % Chart

Step One Clothing Annual Data
Trend Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
0.00 0.00 0.00 12.97 3.75

Step One Clothing Semi-Annual Data
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 1.51 2.60 5.94 4.49 4.29

ASX:STP vs TJX, ROST, BURL: Effective Interest Rate on Debt % Comparison

For the Apparel Retail subindustry, Step One Clothing'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.

Step One Clothing Effective Interest Rate on Debt % vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Step One Clothing's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Step One Clothing's Effective Interest Rate on Debt % falls into.


ASX:STP
39GF Score
Step One Clothing Ltd ASX:STP
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Step One Clothing Effective Interest Rate on Debt % Calculation

Step One Clothing'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  *  -0.011/( (0.293+0)/ 1 )
=-1  *  -0.011/0.293
=3.75 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.062 + 0.231
=0.293

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

Step One Clothing'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  *  -0.04/( (0+0.933)/ 1 )
=-1  *  -0.04/0.933
=4.29 %

where

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

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.648 + 0.285
=0.933

* 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 4.29% mean?
Step One Clothing (ASX:STP) has a Effective Interest Rate on Debt % of 4.29% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Step One Clothing and its competitors.
Is Step One Clothing's Effective Interest Rate on Debt % too high?
Step One Clothing's current Effective Interest Rate on Debt % is 4.29%. Overall, Step One Clothing has a GF Score™ of 39/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Step One Clothing's Effective Interest Rate on Debt % compare to TJX and ROST?
Step One Clothing's Effective Interest Rate on Debt % of 4.29% can be compared against companies in the Retail - Cyclical 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 Retail - Cyclical company?
A good Effective Interest Rate on Debt % depends on the Retail - Cyclical 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 Step One Clothing and its competitors. Step One Clothing's current Effective Interest Rate on Debt % is 4.29%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Step One Clothing stock overvalued right now?
Based on GuruFocus' analysis, Step One Clothing (ASX:STP) is currently considered Significantly Undervalued. The stock's GF Value™ is A$0.64, compared to a current price of A$0.15 — trading 77.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.29%. Step One Clothing's overall GF Score™ is 39/100 with 3 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 Step One Clothing (ASX:STP), the current Effective Interest Rate on Debt % is 4.29% 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 Step One Clothing (ASX:STP) Overvalued in 2026?

Based on GuruFocus' analysis, Step One Clothing stock appears to be undervalued. The current stock price of A$0.15 is trading 77.3% below its estimated GF Value™ of A$0.64. GuruFocus considers Step One Clothing to be Significantly Undervalued.

Key valuation signals for ASX:STP:

  • Effective Interest Rate on Debt %: 4.29%
  • GF Value™: A$0.64 vs. price of A$0.15 (77.3% below fair value)
  • GF Score™: 39/100 with 3 warning signs

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

Step One Clothing Business Description

Other Exchanges J6H:Germany
Address 120 Chalmers Street, Surry Hills, Level 2, Sydney, NSW, AUS, 2010
Step One Clothing Ltd is a direct-to-consumer online retailer for men's undergarments. Its products comprise Boxer Brief, Trunks, and Boxer Breif+Fly. Its group is organized into three operating segments, being online retail sales for Australia, the United Kingdom, and the United States of America, however, these segments are aggregated into one reportable segment.
39GF 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$0.15
Price
A$0.64
GF Value