United Overseas Australia (ASX:UOS) Effective Interest Rate on Debt %: 3.23% (As of Dec. 2025)


ASX:UOS United Overseas Australia Ltd ASX:UOS
60 GF Score
Price A$0.67
GF Value A$0.92
Valuation Modestly Undervalued
! 5 Warning Signs
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What is United Overseas Australia Effective Interest Rate on Debt %?

United Overseas Australia ASX:UOS -3.60% 60 Effective Interest Rate on Debt % is 3.23% as of Dec. 2025. GuruFocus rates ASX:UOS with a GF Score™ of 60/100 and a GF Value™ of A$0.92 (Modestly Undervalued). 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. United Overseas Australia's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$8.5 Mil. United Overseas Australia's average total debt for the quarter that ended in Dec. 2025 was A$264.1 Mil. Therefore, United Overseas Australia's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 3.23%.


United Overseas Australia  (ASX:UOS) Effective Interest Rate on Debt % Explanation

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


United Overseas Australia Effective Interest Rate on Debt % Related Terms


United Overseas Australia Effective Interest Rate on Debt % Historical Data

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The historical data trend for United Overseas Australia'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.

United Overseas Australia Effective Interest Rate on Debt % Chart

United Overseas Australia Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.92 3.22 3.77 3.60 3.26

United Overseas Australia 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 3.85 7.23 6.47 3.30 3.23

United Overseas Australia Effective Interest Rate on Debt % Competitor Comparison

For the Real Estate - Development subindustry, United Overseas Australia'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.


United Overseas Australia Effective Interest Rate on Debt % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, United Overseas Australia's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where United Overseas Australia's Effective Interest Rate on Debt % falls into.


ASX:UOS
60GF Score
United Overseas Australia Ltd ASX:UOS
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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United Overseas Australia Effective Interest Rate on Debt % Calculation

United Overseas Australia's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -8.623/( (264.128+264.1)/ 2 )
=-1  *  -8.623/264.114
=3.26 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.417 + 263.711
=264.128

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.485 + 263.615
=264.1

United Overseas Australia'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  *  -8.536/( (0+264.1)/ 1 )
=-1  *  -8.536/264.1
=3.23 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.485 + 263.615
=264.1

* 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 3.23% mean?
United Overseas Australia (ASX:UOS) has a Effective Interest Rate on Debt % of 3.23% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on United Overseas Australia and its competitors.
Is United Overseas Australia's Effective Interest Rate on Debt % too high?
United Overseas Australia's current Effective Interest Rate on Debt % is 3.23%. Overall, United Overseas Australia has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does United Overseas Australia's Effective Interest Rate on Debt % compare to competitors?
United Overseas Australia's Effective Interest Rate on Debt % of 3.23% can be compared against companies in the Real Estate 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 Real Estate company?
A good Effective Interest Rate on Debt % depends on the Real Estate 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 United Overseas Australia and its competitors. United Overseas Australia's current Effective Interest Rate on Debt % is 3.23%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Overseas Australia stock overvalued right now?
Based on GuruFocus' analysis, United Overseas Australia (ASX:UOS) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.92, compared to a current price of A$0.67 — trading 27.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.23%. United Overseas Australia's overall GF Score™ is 60/100 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 United Overseas Australia (ASX:UOS), the current Effective Interest Rate on Debt % is 3.23% 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 United Overseas Australia (ASX:UOS) Overvalued in 2026?

Based on GuruFocus' analysis, United Overseas Australia stock appears to be undervalued. The current stock price of A$0.67 is trading 27.2% below its estimated GF Value™ of A$0.92. GuruFocus considers United Overseas Australia to be Modestly Undervalued.

Key valuation signals for ASX:UOS:

  • Effective Interest Rate on Debt %: 3.23%
  • GF Value™: A$0.92 vs. price of A$0.67 (27.2% below fair value)
  • GF Score™: 60/100 with 5 warning signs

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


United Overseas Australia Business Description

Other Exchanges EH5:Singapore
Address No. 8, Jalan Kerinchi, Suite G-1, Vertical Corporate Tower B, Avenue 10, The Vertical, Bangsar South City, Kuala Lumpur, SGR, MYS, 59200
United Overseas Australia Ltd is a real estate development company. It is focused on the Development and resale of land and buildings, Investment in the form of rental properties, and others. The operating segments of the company are Investment, Land development & Resale, and Others. Its Investment segment includes the holding of investment properties to generate rental income, capital appreciation, or both. The land development and resale segment, which derives maximum revenue includes the development, construction, and sale of residential and commercial properties. The other segment includes operations of hotel and food and beverage outlets, provision of facilities support services, and car park operations.
60GF 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$0.67
Price
A$0.92
GF Value