Evropi Holdings (ATH:EVR) Effective Interest Rate on Debt %: 8.41% (As of Dec. 2025)

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ATH:EVR Evropi Holdings SA ATH:EVR
33 GF Score
Price €1.71
GF Value €0.27
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Evropi Holdings Effective Interest Rate on Debt %?

Evropi Holdings ATH:EVR +0.35% 33 Effective Interest Rate on Debt % is 8.41% as of Dec. 2025. GuruFocus rates ATH:EVR with a GF Score™ of 33/100 and a GF Value™ of €0.27 (Significantly Overvalued). 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. Evropi Holdings's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €2.05 Mil. Evropi Holdings's average total debt for the quarter that ended in Dec. 2025 was €24.40 Mil. Therefore, Evropi Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 8.41%.


Evropi Holdings  (ATH:EVR) Effective Interest Rate on Debt % Explanation

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


Evropi Holdings Effective Interest Rate on Debt % Related Terms


Evropi Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Evropi 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.

Evropi Holdings Effective Interest Rate on Debt % Chart

Evropi Holdings 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 2.96 3.20 5.77 5.24 6.17

Evropi 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 17.88 6.09 7.17 4.98 8.41

ATH:EVR vs MRSH, AON, AJG: Effective Interest Rate on Debt % Comparison

For the Insurance Brokers subindustry, Evropi 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.


Evropi Holdings Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Evropi Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


ATH:EVR
33GF Score
Evropi Holdings SA ATH:EVR
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Evropi Holdings Effective Interest Rate on Debt % Calculation

Evropi Holdings'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  *  -1.672/( (28.673+25.543)/ 2 )
=-1  *  -1.672/27.108
=6.17 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=10.131 + 18.542
=28.673

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.348 + 23.195
=25.543

Evropi 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  *  -2.052/( (23.251+25.543)/ 2 )
=-1  *  -2.052/24.397
=8.41 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.237 + 23.014
=23.251

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.348 + 23.195
=25.543

* 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 8.41% mean?
Evropi Holdings (ATH:EVR) has a Effective Interest Rate on Debt % of 8.41% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Evropi Holdings and its competitors.
Is Evropi Holdings' Effective Interest Rate on Debt % too high?
Evropi Holdings' current Effective Interest Rate on Debt % is 8.41%. Overall, Evropi Holdings has a GF Score™ of 33/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Evropi Holdings' Effective Interest Rate on Debt % compare to MRSH and AON?
Evropi Holdings' Effective Interest Rate on Debt % of 8.41% can be compared against companies in the Insurance 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 an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 Evropi Holdings and its competitors. Evropi Holdings's current Effective Interest Rate on Debt % is 8.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Evropi Holdings stock overvalued right now?
Based on GuruFocus' analysis, Evropi Holdings (ATH:EVR) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.27, compared to a current price of €1.71 — trading 534.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 8.41%. Evropi Holdings' overall GF Score™ is 33/100 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 Evropi Holdings (ATH:EVR), the current Effective Interest Rate on Debt % is 8.41% 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 Evropi Holdings (ATH:EVR) Overvalued in 2026?

Based on GuruFocus' analysis, Evropi Holdings stock appears to be overvalued. The current stock price of €1.71 is trading 534.1% above its estimated GF Value™ of €0.27. GuruFocus considers Evropi Holdings to be Significantly Overvalued.

Key valuation signals for ATH:EVR:

  • Effective Interest Rate on Debt %: 8.41%
  • GF Value™: €0.27 vs. price of €1.71 (534.1% above fair value)
  • GF Score™: 33/100 with 3 warning signs

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


Evropi Holdings Business Description

Address 64 Kifisias Avenue, Marousi, GRC, 15125
Evropi Holdings SA operates in the insurance sector and the real estate development sector. Its insurance portfolio consists of Europe Insurance and NAK Insurance. Its Real estate portfolio consists of office buildings, warehouses, industrial, and Plots.
33GF Score

Get the complete analysis for ATH:EVR

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

€1.71
Price
€0.27
GF Value