Veste Estilo (BSP:VSTE3) Effective Interest Rate on Debt %: 16.68% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:VSTE3 Veste SA Estilo BSP:VSTE3
48 GF Score
Price R$2.67
GF Value R$6.83
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is Veste Estilo Effective Interest Rate on Debt %?

Veste Estilo BSP:VSTE3 -1.11% 48 Effective Interest Rate on Debt % is 16.68% as of Mar. 2026. GuruFocus rates BSP:VSTE3 with a GF Score™ of 48/100 and a GF Value™ of R$6.83 (Possible Value Trap). 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. Veste Estilo's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was R$52 Mil. Veste Estilo's average total debt for the quarter that ended in Mar. 2026 was R$313 Mil. Therefore, Veste Estilo's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 16.68%.


Veste Estilo  (BSP:VSTE3) Effective Interest Rate on Debt % Explanation

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


Veste Estilo Effective Interest Rate on Debt % Related Terms


Veste Estilo Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Veste Estilo'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.

Veste Estilo Effective Interest Rate on Debt % Chart

Veste Estilo 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 8.44 23.92 30.02 17.06 18.96

Veste Estilo 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 17.77 18.23 17.94 19.46 16.68

BSP:VSTE3 vs TJX, ROST, BURL: Effective Interest Rate on Debt % Comparison

For the Apparel Retail subindustry, Veste Estilo'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.


Veste Estilo Effective Interest Rate on Debt % vs Retail - Cyclical Industry

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

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


BSP:VSTE3
48GF Score
Veste SA Estilo BSP:VSTE3
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Veste Estilo Effective Interest Rate on Debt % Calculation

Veste Estilo'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  *  -62.751/( (347.894+314.144)/ 2 )
=-1  *  -62.751/331.019
=18.96 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=240.088 + 107.806
=347.894

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=218.953 + 95.191
=314.144

Veste Estilo'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  *  -52.228/( (314.144+312.215)/ 2 )
=-1  *  -52.228/313.1795
=16.68 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=218.953 + 95.191
=314.144

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=214.251 + 97.964
=312.215

* 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 16.68% mean?
Veste Estilo (BSP:VSTE3) has a Effective Interest Rate on Debt % of 16.68% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Veste Estilo and its competitors.
Is Veste Estilo's Effective Interest Rate on Debt % too high?
Veste Estilo's current Effective Interest Rate on Debt % is 16.68%. Overall, Veste Estilo has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Veste Estilo's Effective Interest Rate on Debt % compare to TJX and ROST?
Veste Estilo's Effective Interest Rate on Debt % of 16.68% 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 Veste Estilo and its competitors. Veste Estilo's current Effective Interest Rate on Debt % is 16.68%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Veste Estilo stock overvalued right now?
Based on GuruFocus' analysis, Veste Estilo (BSP:VSTE3) is currently considered Possible Value Trap. The stock's GF Value™ is R$6.83, compared to a current price of R$2.67 — trading 60.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 16.68%. Veste Estilo's overall GF Score™ is 48/100 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 Veste Estilo (BSP:VSTE3), the current Effective Interest Rate on Debt % is 16.68% 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 Veste Estilo (BSP:VSTE3) Overvalued in 2026?

Based on GuruFocus' analysis, Veste Estilo stock appears to be undervalued. The current stock price of R$2.67 is trading 60.9% below its estimated GF Value™ of R$6.83. GuruFocus considers Veste Estilo to be Possible Value Trap.

Key valuation signals for BSP:VSTE3:

  • Effective Interest Rate on Debt %: 16.68%
  • GF Value™: R$6.83 vs. price of R$2.67 (60.9% below fair value)
  • GF Score™: 48/100 with 4 warning signs

No single metric tells the full story. See the BSP:VSTE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Veste Estilo Business Description

Address Rua Othão, 405, Sao Paulo, SP, BRA, 05313-020
Veste SA Estilo is engaged in apparel industry retailers and high-end accessories in Brazil. The Company's main objectives are: development, exploration of the industry, trade, import and export of clothing and clothing accessories and trading in decorative, hygiene and cosmetic objects, among others. It produces clothes, accessories, footwear, and articles for the home, always in line with contemporary lifestyle, bringing joy, elegance, and well-being to customers under its brands Le Lis, Dudalina, john john, Stew, and Individual. The company focuses on designing, developing, manufacturing, and trading apparel and accessories for women and men.
48GF Score

Get the complete analysis for BSP:VSTE3

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

R$2.67
Price
R$6.83
GF Value