U Consumer Finance (CAI:VALU) Effective Interest Rate on Debt %: 0.13% (As of Dec. 2025)

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CAI:VALU U Consumer Finance CAI:VALU
28 GF Score
Price E£10.80
! 6 Warning Signs
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What is U Consumer Finance Effective Interest Rate on Debt %?

U Consumer Finance CAI:VALU -2.09% 28 Effective Interest Rate on Debt % is 0.13% as of Dec. 2025. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. 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. U Consumer Finance's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was E£13 Mil. U Consumer Finance's average total debt for the quarter that ended in Dec. 2025 was E£10,415 Mil. Therefore, U Consumer Finance's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.13%.

U Consumer Finance  (CAI:VALU) Effective Interest Rate on Debt % Explanation

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

U Consumer Finance Effective Interest Rate on Debt % Related Terms

U Consumer Finance Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for U Consumer Finance'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.

U Consumer Finance Effective Interest Rate on Debt % Chart

U Consumer Finance Annual Data
Trend Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
0.00 0.19 0.13

U Consumer Finance Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only 0.16 0.00 0.13 0.11 0.13

CAI:VALU vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, U Consumer Finance'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.

U Consumer Finance Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, U Consumer Finance's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where U Consumer Finance's Effective Interest Rate on Debt % falls into.


CAI:VALU
28GF Score
U Consumer Finance CAI:VALU
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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U Consumer Finance Effective Interest Rate on Debt % Calculation

U Consumer Finance'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  *  -11.802/( (7750.179+10094.778)/ 2 )
=-1  *  -11.802/8922.4785
=0.13 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5303.393 + 2446.786
=7750.179

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1180.797 + 8913.981
=10094.778

U Consumer Finance's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -13.164/( (10734.291+10094.778)/ 2 )
=-1  *  -13.164/10414.5345
=0.13 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8009.137 + 2725.154
=10734.291

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1180.797 + 8913.981
=10094.778

* 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 (Dec. 2025) 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 0.13% mean?
U Consumer Finance (CAI:VALU) has a Effective Interest Rate on Debt % of 0.13% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on U Consumer Finance and its competitors.
Is U Consumer Finance's Effective Interest Rate on Debt % too high?
U Consumer Finance's current Effective Interest Rate on Debt % is 0.13%. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's Effective Interest Rate on Debt % compare to V and MA?
U Consumer Finance's Effective Interest Rate on Debt % of 0.13% can be compared against companies in the Credit Services 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services 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 U Consumer Finance and its competitors. U Consumer Finance's current Effective Interest Rate on Debt % is 0.13%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current Effective Interest Rate on Debt % of 0.13%. The current Effective Interest Rate on Debt % is 0.13%. U Consumer Finance's overall GF Score™ is 28/100 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 U Consumer Finance (CAI:VALU), the current Effective Interest Rate on Debt % is 0.13% as of Dec. 2025. 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.

U Consumer Finance Business Description

Address Arkan Plaza, First floor Unit AW-417, Al Sheikh Zayed city, EGY
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score

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

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