Anima Holding (BSP:ANIM3) Effective Interest Rate on Debt %: 16.28% (As of Mar. 2026)

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BSP:ANIM3 Anima Holding SA BSP:ANIM3
75 GF Score
Price R$2.27
GF Value R$3.93
Valuation Possible Value Trap
! 6 Warning Signs
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What is Anima Holding Effective Interest Rate on Debt %?

Anima Holding BSP:ANIM3 +4.61% 75 Effective Interest Rate on Debt % is 16.28% as of Mar. 2026. GuruFocus rates BSP:ANIM3 with a GF Score™ of 75/100 and a GF Value™ of R$3.93 (Possible Value Trap). The stock has 6 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. Anima Holding's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was R$942 Mil. Anima Holding's average total debt for the quarter that ended in Mar. 2026 was R$5,786 Mil. Therefore, Anima Holding's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 16.28%.


Anima Holding  (BSP:ANIM3) Effective Interest Rate on Debt % Explanation

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


Anima Holding Effective Interest Rate on Debt % Related Terms


Anima Holding Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Anima Holding'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.

Anima Holding Effective Interest Rate on Debt % Chart

Anima Holding 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 12.91 13.91 14.47 14.14 16.19

Anima Holding 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 14.43 16.01 16.52 18.15 16.28

BSP:ANIM3 vs EDU, TAL, LAUR: Effective Interest Rate on Debt % Comparison

For the Education & Training Services subindustry, Anima Holding'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.


Anima Holding Effective Interest Rate on Debt % vs Education Industry

For the Education industry and Consumer Defensive sector, Anima Holding's Effective Interest Rate on Debt % distribution charts can be found below:

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


BSP:ANIM3
75GF Score
Anima Holding SA BSP:ANIM3
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Anima Holding Effective Interest Rate on Debt % Calculation

Anima Holding'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  *  -890.686/( (5309.792+5696.451)/ 2 )
=-1  *  -890.686/5503.1215
=16.19 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5021.418 + 288.374
=5309.792

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5240.139 + 456.312
=5696.451

Anima Holding'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  *  -942.14/( (5696.451+5875.011)/ 2 )
=-1  *  -942.14/5785.731
=16.28 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5240.139 + 456.312
=5696.451

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5267.603 + 607.408
=5875.011

* 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 16.28% mean?
Anima Holding (BSP:ANIM3) has a Effective Interest Rate on Debt % of 16.28% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Anima Holding and its competitors.
Is Anima Holding's Effective Interest Rate on Debt % too high?
Anima Holding's current Effective Interest Rate on Debt % is 16.28%. Overall, Anima Holding has a GF Score™ of 75/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Anima Holding's Effective Interest Rate on Debt % compare to EDU and TAL?
Anima Holding's Effective Interest Rate on Debt % of 16.28% can be compared against companies in the Education 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 Education company?
A good Effective Interest Rate on Debt % depends on the Education 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 Anima Holding and its competitors. Anima Holding's current Effective Interest Rate on Debt % is 16.28%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Anima Holding stock overvalued right now?
Based on GuruFocus' analysis, Anima Holding (BSP:ANIM3) is currently considered Possible Value Trap. The stock's GF Value™ is R$3.93, compared to a current price of R$2.27 — trading 42.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 16.28%. Anima Holding's overall GF Score™ is 75/100 with 6 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 Anima Holding (BSP:ANIM3), the current Effective Interest Rate on Debt % is 16.28% 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 Anima Holding (BSP:ANIM3) Overvalued in 2026?

Based on GuruFocus' analysis, Anima Holding stock appears to be undervalued. The current stock price of R$2.27 is trading 42.2% below its estimated GF Value™ of R$3.93. GuruFocus considers Anima Holding to be Possible Value Trap.

Key valuation signals for BSP:ANIM3:

  • Effective Interest Rate on Debt %: 16.28%
  • GF Value™: R$3.93 vs. price of R$2.27 (42.2% below fair value)
  • GF Score™: 75/100 with 6 warning signs

No single metric tells the full story. See the BSP:ANIM3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Anima Holding Business Description

Address Rua Natingui, 1250 - 1st Floor, Vila Madalena, Sao Paulo, SP, BRA, 05443-001
Anima Holding SA operates as a private higher education organization in Brazil. Its Education segment consists of activities performed by the subsidiaries engaged in the provision of education services by offering elementary school and high school courses, college degrees, and professional specialization courses. The Other businesses consist of activities performed by the subsidiaries including forums, seminars, specialization courses, in-company courses, publishing books, and magazines specifically focused on management and business, preparatory courses for the Brazilian Bar exam, and analysis.
75GF Score

Get the complete analysis for BSP:ANIM3

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

R$2.27
Price
R$3.93
GF Value