N.Ververis Moda Bagno (ATH:MODA) Effective Interest Rate on Debt %: 10.83% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ATH:MODA N.Ververis Moda Bagno SA ATH:MODA
78 GF Score
Price €7.20
GF Value €4.37
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is N.Ververis Moda Bagno Effective Interest Rate on Debt %?

N.Ververis Moda Bagno ATH:MODA 78 Effective Interest Rate on Debt % is 10.83% as of Dec. 2025. GuruFocus rates ATH:MODA with a GF Score™ of 78/100 and a GF Value™ of €4.37 (Significantly Overvalued). 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. N.Ververis Moda Bagno's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.58 Mil. N.Ververis Moda Bagno's average total debt for the quarter that ended in Dec. 2025 was €5.38 Mil. Therefore, N.Ververis Moda Bagno's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 10.83%.


N.Ververis Moda Bagno  (ATH:MODA) Effective Interest Rate on Debt % Explanation

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


N.Ververis Moda Bagno Effective Interest Rate on Debt % Related Terms


N.Ververis Moda Bagno Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for N.Ververis Moda Bagno'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.

N.Ververis Moda Bagno Effective Interest Rate on Debt % Chart

N.Ververis Moda Bagno Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 3.46 4.56 7.09 7.92 7.12

N.Ververis Moda Bagno Semi-Annual Data
Jun19 Jun20 Dec20 Dec21 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 8.96 8.07 6.69 5.83 10.83

ATH:MODA vs SN, SGI, MHK: Effective Interest Rate on Debt % Comparison

For the Furnishings, Fixtures & Appliances subindustry, N.Ververis Moda Bagno'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.


N.Ververis Moda Bagno Effective Interest Rate on Debt % vs Furnishings, Fixtures & Appliances Industry

For the Furnishings, Fixtures & Appliances industry and Consumer Cyclical sector, N.Ververis Moda Bagno's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where N.Ververis Moda Bagno's Effective Interest Rate on Debt % falls into.


ATH:MODA
78GF Score
N.Ververis Moda Bagno SA ATH:MODA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

N.Ververis Moda Bagno Effective Interest Rate on Debt % Calculation

N.Ververis Moda Bagno'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  *  -0.424/( (5.14+6.762)/ 2 )
=-1  *  -0.424/5.951
=7.12 %

where

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.982 + 0.78
=6.762

N.Ververis Moda Bagno'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  *  -0.582/( (3.988+6.762)/ 2 )
=-1  *  -0.582/5.375
=10.83 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3.208 + 0.78
=3.988

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.982 + 0.78
=6.762

* 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 10.83% mean?
N.Ververis Moda Bagno (ATH:MODA) has a Effective Interest Rate on Debt % of 10.83% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on N.Ververis Moda Bagno and its competitors.
Is N.Ververis Moda Bagno's Effective Interest Rate on Debt % too high?
N.Ververis Moda Bagno's current Effective Interest Rate on Debt % is 10.83%. Overall, N.Ververis Moda Bagno has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does N.Ververis Moda Bagno's Effective Interest Rate on Debt % compare to SN and SGI?
N.Ververis Moda Bagno's Effective Interest Rate on Debt % of 10.83% can be compared against companies in the Furnishings, Fixtures & Appliances 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 Furnishings, Fixtures & Appliances company?
A good Effective Interest Rate on Debt % depends on the Furnishings, Fixtures & Appliances 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 N.Ververis Moda Bagno and its competitors. N.Ververis Moda Bagno's current Effective Interest Rate on Debt % is 10.83%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is N.Ververis Moda Bagno stock overvalued right now?
Based on GuruFocus' analysis, N.Ververis Moda Bagno (ATH:MODA) is currently considered Significantly Overvalued. The stock's GF Value™ is €4.37, compared to a current price of €7.20 — trading 64.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 10.83%. N.Ververis Moda Bagno's overall GF Score™ is 78/100 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 N.Ververis Moda Bagno (ATH:MODA), the current Effective Interest Rate on Debt % is 10.83% 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 N.Ververis Moda Bagno (ATH:MODA) Overvalued in 2026?

Based on GuruFocus' analysis, N.Ververis Moda Bagno stock appears to be overvalued. The current stock price of €7.20 is trading 64.8% above its estimated GF Value™ of €4.37. GuruFocus considers N.Ververis Moda Bagno to be Significantly Overvalued.

Key valuation signals for ATH:MODA:

  • Effective Interest Rate on Debt %: 10.83%
  • GF Value™: €4.37 vs. price of €7.20 (64.8% above fair value)
  • GF Score™: 78/100 with 5 warning signs

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


N.Ververis Moda Bagno Business Description

Address 50, Anapafseos Street, Vrilissia, Athens, GRC, 15235
N.Ververis Moda Bagno SA is engaged in the retail of home furnishings products. It sells wall and floor tiles, sanitary fixtures for the bathroom, bathtubs, kitchen furniture and appliances, office and home furniture, sofas and wooden floors.
78GF Score

Get the complete analysis for ATH:MODA

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

€7.20
Price
€4.37
GF Value