Direcional Engenharia (BSP:DIRR3) Effective Interest Rate on Debt %: 4.94% (As of Mar. 2026)


BSP:DIRR3 Direcional Engenharia SA BSP:DIRR3
90 GF Score
Price R$14.28
GF Value R$15.90
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is Direcional Engenharia Effective Interest Rate on Debt %?

Direcional Engenharia BSP:DIRR3 +2.44% 90 Effective Interest Rate on Debt % is 4.94% as of Mar. 2026. GuruFocus rates BSP:DIRR3 with a GF Score™ of 90/100 and a GF Value™ of R$15.90 (Modestly Undervalued). The stock has 4 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. Direcional Engenharia's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was R$155 Mil. Direcional Engenharia's average total debt for the quarter that ended in Mar. 2026 was R$3,146 Mil. Therefore, Direcional Engenharia's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.94%.


Direcional Engenharia  (BSP:DIRR3) Effective Interest Rate on Debt % Explanation

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


Direcional Engenharia Effective Interest Rate on Debt % Related Terms


Direcional Engenharia Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Direcional Engenharia'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.

Direcional Engenharia Effective Interest Rate on Debt % Chart

Direcional Engenharia 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 13.28 11.37 20.71 5.02 4.05

Direcional Engenharia 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 3.49 3.18 4.52 4.70 4.94

Direcional Engenharia Effective Interest Rate on Debt % Competitor Comparison

For the Real Estate - Development subindustry, Direcional Engenharia'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.


Direcional Engenharia Effective Interest Rate on Debt % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Direcional Engenharia's Effective Interest Rate on Debt % distribution charts can be found below:

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


BSP:DIRR3
90GF Score
Direcional Engenharia SA BSP:DIRR3
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Direcional Engenharia Effective Interest Rate on Debt % Calculation

Direcional Engenharia'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  *  -94.439/( (1688.926+2978.203)/ 2 )
=-1  *  -94.439/2333.5645
=4.05 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1422.872 + 266.054
=1688.926

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2559.832 + 418.371
=2978.203

Direcional Engenharia'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  *  -155.4/( (2978.203+3313.686)/ 2 )
=-1  *  -155.4/3145.9445
=4.94 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2559.832 + 418.371
=2978.203

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2869.43 + 444.256
=3313.686

* 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 4.94% mean?
Direcional Engenharia (BSP:DIRR3) has a Effective Interest Rate on Debt % of 4.94% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Direcional Engenharia and its competitors.
Is Direcional Engenharia's Effective Interest Rate on Debt % too high?
Direcional Engenharia's current Effective Interest Rate on Debt % is 4.94%. Overall, Direcional Engenharia has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Direcional Engenharia's Effective Interest Rate on Debt % compare to competitors?
Direcional Engenharia's Effective Interest Rate on Debt % of 4.94% can be compared against companies in the Real Estate 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 Real Estate company?
A good Effective Interest Rate on Debt % depends on the Real Estate 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 Direcional Engenharia and its competitors. Direcional Engenharia's current Effective Interest Rate on Debt % is 4.94%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Direcional Engenharia stock overvalued right now?
Based on GuruFocus' analysis, Direcional Engenharia (BSP:DIRR3) is currently considered Modestly Undervalued. The stock's GF Value™ is R$15.90, compared to a current price of R$14.28 — trading 10.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.94%. Direcional Engenharia's overall GF Score™ is 90/100 with 4 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 Direcional Engenharia (BSP:DIRR3), the current Effective Interest Rate on Debt % is 4.94% 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 Direcional Engenharia (BSP:DIRR3) Overvalued in 2026?

Based on GuruFocus' analysis, Direcional Engenharia stock appears to be undervalued. The current stock price of R$14.28 is trading 10.2% below its estimated GF Value™ of R$15.90. GuruFocus considers Direcional Engenharia to be Modestly Undervalued.

Key valuation signals for BSP:DIRR3:

  • Effective Interest Rate on Debt %: 4.94%
  • GF Value™: R$15.90 vs. price of R$14.28 (10.2% below fair value)
  • GF Score™: 90/100 with 4 warning signs

No single metric tells the full story. See the BSP:DIRR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Direcional Engenharia Business Description

Address Rua dos Otoni, 177, Bairro Santa Efigenia, Belo Horizonte, MG, BRA, 30150-270
Direcional Engenharia SA is a real estate development and construction company. It focuses on the development of large-scale residential housing targeting the low-income segment, particularly in the North and Mid-West regions of Brazil. Geographically, the business presence of the firm are seen in the states of Rio de Janeiro, Sao Paulo, the Rio Grande do Sul, Minas Gerais, Para, and Amazonas, among others.
90GF Score

Get the complete analysis for BSP:DIRR3

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

R$14.28
Price
R$15.90
GF Value