AGMA (CAS:AGM) Effective Interest Rate on Debt %: 0.02% (As of Dec. 2025)

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CAS:AGM AGMA CAS:AGM
37 GF Score
Price MAD7,170.00
GF Value MAD7,948.19
! 5 Warning Signs
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What is AGMA Effective Interest Rate on Debt %?

AGMA CAS:AGM 37 Effective Interest Rate on Debt % is 0.02% as of Dec. 2025. GuruFocus rates CAS:AGM with a GF Score™ of 37/100 and a GF Value™ of MAD7,948.19. The stock has 5 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. AGMA's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was MAD0.0 Mil. AGMA's average total debt for the quarter that ended in Dec. 2025 was MAD47.4 Mil. Therefore, AGMA's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.02%.

AGMA  (CAS:AGM) Effective Interest Rate on Debt % Explanation

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

AGMA Effective Interest Rate on Debt % Related Terms

AGMA Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for AGMA'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.

AGMA Effective Interest Rate on Debt % Chart

AGMA Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only 6.00 5.03 2.86 0.00 0.00

AGMA Semi-Annual Data
Dec17 Dec18 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 0.02 0.00 0.00 0.00 0.02

CAS:AGM vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, AGMA'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.

AGMA Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, AGMA's Effective Interest Rate on Debt % distribution charts can be found below:

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


CAS:AGM
37GF Score
AGMA CAS:AGM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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AGMA Effective Interest Rate on Debt % Calculation

AGMA'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  *  -0.004/( (0+0)/ 1 )
=-1  *  -0.004/0
=N/A %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

AGMA'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: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -0.008/( (47.386+0)/ 1 )
=-1  *  -0.008/47.386
=0.02 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 47.386
=47.386

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

* 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 two times the semi-annual (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 0.02% mean?
AGMA (CAS:AGM) has a Effective Interest Rate on Debt % of 0.02% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on AGMA and its competitors.
Is AGMA's Effective Interest Rate on Debt % too high?
AGMA's current Effective Interest Rate on Debt % is 0.02%. Overall, AGMA has a GF Score™ of 37/100, reflecting its overall financial health beyond just this single metric.
How does AGMA's Effective Interest Rate on Debt % compare to BRK.A and AIG?
AGMA's Effective Interest Rate on Debt % of 0.02% can be compared against companies in the Insurance 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 Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 AGMA and its competitors. AGMA's current Effective Interest Rate on Debt % is 0.02%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AGMA stock overvalued right now?
AGMA (CAS:AGM) has a current Effective Interest Rate on Debt % of 0.02%. The stock's GF Value™ is MAD7,948.19, compared to a current price of MAD7,170.00 — trading 9.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 0.02%. AGMA's overall GF Score™ is 37/100 with 5 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 AGMA (CAS:AGM), the current Effective Interest Rate on Debt % is 0.02% 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.

Is AGMA (CAS:AGM) Overvalued in 2026?

Based on GuruFocus' analysis, AGMA stock appears to be undervalued. The current stock price of MAD7,170.00 is trading 9.8% below its estimated GF Value™ of MAD7,948.19.

Key valuation signals for CAS:AGM:

  • Effective Interest Rate on Debt %: 0.02%
  • GF Value™: MAD7,948.19 vs. price of MAD7,170.00 (9.8% below fair value)
  • GF Score™: 37/100 with 5 warning signs

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

AGMA Business Description

Address 102, Rue Abderrahmane Sahraoui, Casablanca, MAR, 20070
AGMA provides insurance and reinsurance broking services. The services provided by the company include automobile, housing and property insurance, assistance, and education annuity.
37GF Score

Get the complete analysis for CAS:AGM

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

MAD7,170.00
Price
MAD7,948.19
GF Value