Navakij Insurance PCL (BKK:NKI-R) Effective Interest Rate on Debt %: 3.51% (As of Mar. 2026)


BKK:NKI-R Navakij Insurance PCL BKK:NKI-R
61 GF Score
Price ฿13.00
GF Value ฿17.38
! 1 Warning Sign
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What is Navakij Insurance PCL Effective Interest Rate on Debt %?

Navakij Insurance PCL BKK:NKI-R 61 Effective Interest Rate on Debt % is 3.51% as of Mar. 2026. GuruFocus rates BKK:NKI-R with a GF Score™ of 61/100 and a GF Value™ of ฿17.38. The stock has 1 warning sign 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. Navakij Insurance PCL's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ฿1 Mil. Navakij Insurance PCL's average total debt for the quarter that ended in Mar. 2026 was ฿34 Mil. Therefore, Navakij Insurance PCL's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.51%.


Navakij Insurance PCL  (BKK:NKI-R) Effective Interest Rate on Debt % Explanation

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


Navakij Insurance PCL Effective Interest Rate on Debt % Related Terms


Navakij Insurance PCL Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Navakij Insurance PCL'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.

Navakij Insurance PCL Effective Interest Rate on Debt % Chart

Navakij Insurance PCL 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 4.81 4.86 4.34 4.04 3.59

Navakij Insurance PCL Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 3.79 3.64 3.37 3.64 3.51

BKK:NKI-R vs CB, PGR, TRV: Effective Interest Rate on Debt % Comparison

For the Insurance - Property & Casualty subindustry, Navakij Insurance PCL'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.


Navakij Insurance PCL Effective Interest Rate on Debt % vs Insurance Industry

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

* The bar in red indicates where Navakij Insurance PCL's Effective Interest Rate on Debt % falls into.


BKK:NKI-R
61GF Score
Navakij Insurance PCL BKK:NKI-R
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Navakij Insurance PCL Effective Interest Rate on Debt % Calculation

Navakij Insurance PCL'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  *  -1.207/( (34.105+33.199)/ 2 )
=-1  *  -1.207/33.652
=3.59 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=20.453 + 13.652
=34.105

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=20.09 + 13.109
=33.199

Navakij Insurance PCL's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -1.184/( (33.199+34.185)/ 2 )
=-1  *  -1.184/33.692
=3.51 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=20.09 + 13.109
=33.199

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=34.185 + 0
=34.185

* 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 four times the quarterly (Mar. 2026) 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 3.51% mean?
Navakij Insurance PCL (BKK:NKI-R) has a Effective Interest Rate on Debt % of 3.51% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Navakij Insurance PCL and its competitors.
Is Navakij Insurance PCL's Effective Interest Rate on Debt % too high?
Navakij Insurance PCL's current Effective Interest Rate on Debt % is 3.51%. Overall, Navakij Insurance PCL has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Navakij Insurance PCL's Effective Interest Rate on Debt % compare to CB and PGR?
Navakij Insurance PCL's Effective Interest Rate on Debt % of 3.51% 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 Navakij Insurance PCL and its competitors. Navakij Insurance PCL's current Effective Interest Rate on Debt % is 3.51%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Navakij Insurance PCL stock overvalued right now?
Navakij Insurance PCL (BKK:NKI-R) has a current Effective Interest Rate on Debt % of 3.51%. The stock's GF Value™ is ฿17.38, compared to a current price of ฿13.00 — trading 25.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.51%. Navakij Insurance PCL's overall GF Score™ is 61/100 with 1 warning sign 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 Navakij Insurance PCL (BKK:NKI-R), the current Effective Interest Rate on Debt % is 3.51% as of Mar. 2026. 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 Navakij Insurance PCL (BKK:NKI-R) Overvalued in 2026?

Based on GuruFocus' analysis, Navakij Insurance PCL stock appears to be undervalued. The current stock price of ฿13.00 is trading 25.2% below its estimated GF Value™ of ฿17.38.

Key valuation signals for BKK:NKI-R:

  • Effective Interest Rate on Debt %: 3.51%
  • GF Value™: ฿17.38 vs. price of ฿13.00 (25.2% below fair value)
  • GF Score™: 61/100 with 1 warning sign

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


Navakij Insurance PCL Business Description

Other Exchanges NKI:Thailand
Address 100/47-55, and 90/3-6, North Sathorn Road, Sathorn Nakhon Building, 26th Floor, Silom, Bangrak, Bangkok, THA, 10500
Navakij Insurance PCL is engaged in the provision of non-life insurance. The different kinds of insurance offered by the company include Motor Insurance, Fire Insurance, Marine and Transportation Insurance, and miscellaneous Insurance. The company operates its business in Thailand only.
61GF Score

Get the complete analysis for BKK:NKI-R

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

฿13.00
Price
฿17.38
GF Value