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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. Marisa Lojas's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was R$458 Mil. Marisa Lojas's average total debt for the quarter that ended in Mar. 2026 was R$812 Mil. Therefore, Marisa Lojas's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 56.46%.
Marisa Lojas (BSP:AMAR3) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Marisa Lojas Effective Interest Rate on Debt % Related Terms
Marisa Lojas Effective Interest Rate on Debt % Historical Data
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The historical data trend for Marisa Lojas'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.
Marisa Lojas Effective Interest Rate on Debt % Chart
BSP:AMAR3 vs TJX, ROST, BURL: Effective Interest Rate on Debt % Comparison
For the Apparel Retail subindustry, Marisa Lojas'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.
Marisa Lojas Effective Interest Rate on Debt % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Marisa Lojas's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Marisa Lojas's Effective Interest Rate on Debt % falls into.
* 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 56.46% mean?
Marisa Lojas (BSP:AMAR3) has a Effective Interest Rate on Debt % of 56.46% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Marisa Lojas and its competitors.
Is Marisa Lojas' Effective Interest Rate on Debt % too high?
Marisa Lojas' current Effective Interest Rate on Debt % is 56.46%. Overall, Marisa Lojas has a GF Score™ of 26/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Marisa Lojas' Effective Interest Rate on Debt % compare to TJX and ROST?
Marisa Lojas' Effective Interest Rate on Debt % of 56.46% 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 Marisa Lojas and its competitors. Marisa Lojas's current Effective Interest Rate on Debt % is 56.46%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marisa Lojas stock overvalued right now?
Based on GuruFocus' analysis, Marisa Lojas (BSP:AMAR3) is currently considered Significantly Overvalued. The stock's GF Value™ is R$0.34, compared to a current price of R$0.59 — trading 73.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 56.46%. Marisa Lojas' overall GF Score™ is 26/100 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 Marisa Lojas (BSP:AMAR3), the current Effective Interest Rate on Debt % is 56.46% 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 Marisa Lojas (BSP:AMAR3) Overvalued in 2026?
Based on GuruFocus' analysis, Marisa Lojas stock appears to be overvalued.
The current stock price of R$0.59 is trading 73.5% above its estimated GF Value™ of R$0.34.
GuruFocus considers Marisa Lojas to be Significantly Overvalued.
Key valuation signals for BSP:AMAR3:
Effective Interest Rate on Debt %: 56.46%
GF Value™: R$0.34 vs. price of R$0.59 (73.5% above fair value)
No single metric tells the full story. See the BSP:AMAR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Marisa Lojas SA is a retail store operator in Brazil. Its stores offer products related to fashion, underwear, footwear, and accessories for women, men, and children. Its products also include beds, tablecloths, children's bathrobes, and towels for home use. The company's income derives from three operating segments. The retail segment, which is the key revenue generator, includes the sale of clothing items, perfumes, beauty products, and watches, in physical stores and e-commerce. The credit card transactions segment is managed by the subsidiary and offered to the company's clients for the credit purchase of products, insurance, and payment of bills. The consumer credit segment offers personal loans to the company's consumers.
26GF Score
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