Vipshop Holdings (BSP:V1IP34) Effective Interest Rate on Debt %: 1.72% (As of Mar. 2026)

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BSP:V1IP34 Vipshop Holdings Ltd BSP:V1IP34
73 GF Score
Price R$34.50
GF Value R$44.02
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Vipshop Holdings Effective Interest Rate on Debt %?

Vipshop Holdings BSP:V1IP34 73 Effective Interest Rate on Debt % is 1.72% as of Mar. 2026. GuruFocus rates BSP:V1IP34 with a GF Score™ of 73/100 and a GF Value™ of R$44.02 (Modestly Undervalued). The stock has 2 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. Vipshop Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was R$91 Mil. Vipshop Holdings's average total debt for the quarter that ended in Mar. 2026 was R$5,279 Mil. Therefore, Vipshop Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 1.72%.


Vipshop Holdings  (BSP:V1IP34) Effective Interest Rate on Debt % Explanation

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


Vipshop Holdings Effective Interest Rate on Debt % Related Terms


Vipshop Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Vipshop Holdings'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.

Vipshop Holdings Effective Interest Rate on Debt % Chart

Vipshop Holdings 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 0.51 0.63 0.70 2.22 1.78

Vipshop Holdings 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 0.96 1.50 1.32 1.61 1.72

BSP:V1IP34 vs GLBE, ETSY, CHWY: Effective Interest Rate on Debt % Comparison

For the Internet Retail subindustry, Vipshop Holdings'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.


Vipshop Holdings Effective Interest Rate on Debt % vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Vipshop Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


BSP:V1IP34
73GF Score
Vipshop Holdings Ltd BSP:V1IP34
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Vipshop Holdings Effective Interest Rate on Debt % Calculation

Vipshop Holdings'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  *  -69.743/( (2727.461+5119.001)/ 2 )
=-1  *  -69.743/3923.231
=1.78 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=496.073 + 2231.388
=2727.461

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=431.417 + 4687.584
=5119.001

Vipshop Holdings'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  *  -90.784/( (5119.001+5439.231)/ 2 )
=-1  *  -90.784/5279.116
=1.72 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=431.417 + 4687.584
=5119.001

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=428.209 + 5011.022
=5439.231

* 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 1.72% mean?
Vipshop Holdings (BSP:V1IP34) has a Effective Interest Rate on Debt % of 1.72% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Vipshop Holdings and its competitors.
Is Vipshop Holdings' Effective Interest Rate on Debt % too high?
Vipshop Holdings' current Effective Interest Rate on Debt % is 1.72%. Overall, Vipshop Holdings has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vipshop Holdings' Effective Interest Rate on Debt % compare to GLBE and ETSY?
Vipshop Holdings' Effective Interest Rate on Debt % of 1.72% 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 Vipshop Holdings and its competitors. Vipshop Holdings's current Effective Interest Rate on Debt % is 1.72%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vipshop Holdings stock overvalued right now?
Based on GuruFocus' analysis, Vipshop Holdings (BSP:V1IP34) is currently considered Modestly Undervalued. The stock's GF Value™ is R$44.02, compared to a current price of R$34.50 — trading 21.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 1.72%. Vipshop Holdings' overall GF Score™ is 73/100 with 2 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 Vipshop Holdings (BSP:V1IP34), the current Effective Interest Rate on Debt % is 1.72% 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 Vipshop Holdings (BSP:V1IP34) Overvalued in 2026?

Based on GuruFocus' analysis, Vipshop Holdings stock appears to be undervalued. The current stock price of R$34.50 is trading 21.6% below its estimated GF Value™ of R$44.02. GuruFocus considers Vipshop Holdings to be Modestly Undervalued.

Key valuation signals for BSP:V1IP34:

  • Effective Interest Rate on Debt %: 1.72%
  • GF Value™: R$44.02 vs. price of R$34.50 (21.6% below fair value)
  • GF Score™: 73/100 with 2 warning signs

No single metric tells the full story. See the BSP:V1IP34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Vipshop Holdings Business Description

Address 128 Dingxin Road, Haizhu District, Guangdong Province, Guangzhou, CHN, 510220
Vipshop is a leading Chinese online discount retailer offering branded products at attractive discounts of 10%-90% off their original price through daily flash sales. It operates warehousing, retailing, product procurement, software development, and information technology support in-house while outsourcing to third-party logistics providers for distribution and shipments. Branded products on Vipshop's platform are sourced mostly through a consignment model with global brand partners. As of March 31, 2025, Eric Ya Shen, chair and CEO, had 64.5% voting rights. Leading Chinese social media firm and strategic shareholder Tencent also holds a 12.5% interest.
73GF Score

Get the complete analysis for BSP:V1IP34

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

R$34.50
Price
R$44.02
GF Value