Societe d'Equipements Domestiques et Menagers Credit EQDOM (CAS:EQD) Effective Interest Rate on Debt %: 3.73% (As of Dec. 2025)

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CAS:EQD Societe d'Equipements Domestiques et Menagers Credit EQDOM SA CAS:EQD
21 GF Score
Price MAD1,600.00
GF Value MAD1,284.84
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Societe d'Equipements Domestiques et Menagers Credit EQDOM Effective Interest Rate on Debt %?

Societe d'Equipements Domestiques et Menagers Credit EQDOM CAS:EQD 21 Effective Interest Rate on Debt % is 3.73% as of Dec. 2025. GuruFocus rates CAS:EQD with a GF Score™ of 21/100 and a GF Value™ of MAD1,284.84 (Modestly Overvalued). 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. Societe d'Equipements Domestiques et Menagers Credit EQDOM's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was MAD213 Mil. Societe d'Equipements Domestiques et Menagers Credit EQDOM's average total debt for the quarter that ended in Dec. 2025 was MAD5,705 Mil. Therefore, Societe d'Equipements Domestiques et Menagers Credit EQDOM's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 3.73%.


Societe d'Equipements Domestiques et Menagers Credit EQDOM  (CAS:EQD) Effective Interest Rate on Debt % Explanation

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


Societe d'Equipements Domestiques et Menagers Credit EQDOM Effective Interest Rate on Debt % Related Terms


Societe d'Equipements Domestiques et Menagers Credit EQDOM Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Societe d'Equipements Domestiques et Menagers Credit EQDOM'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.

Societe d'Equipements Domestiques et Menagers Credit EQDOM Effective Interest Rate on Debt % Chart

Societe d'Equipements Domestiques et Menagers Credit EQDOM 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 2.76 3.49 4.36 4.82 4.05

Societe d'Equipements Domestiques et Menagers Credit EQDOM Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.15 4.65 4.46 4.03 3.73

CAS:EQD vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Societe d'Equipements Domestiques et Menagers Credit EQDOM'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.


Societe d'Equipements Domestiques et Menagers Credit EQDOM Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Societe d'Equipements Domestiques et Menagers Credit EQDOM's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Societe d'Equipements Domestiques et Menagers Credit EQDOM's Effective Interest Rate on Debt % falls into.


CAS:EQD
21GF Score
Societe d'Equipements Domestiques et Menagers Credit EQDOM SA CAS:EQD
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Societe d'Equipements Domestiques et Menagers Credit EQDOM Effective Interest Rate on Debt % Calculation

Societe d'Equipements Domestiques et Menagers Credit EQDOM'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  *  -207.622/( (4439.191+5801.325)/ 2 )
=-1  *  -207.622/5120.258
=4.05 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4439.191 + 0
=4439.191

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5801.325 + 0
=5801.325

Societe d'Equipements Domestiques et Menagers Credit EQDOM'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  *  -212.69/( (5608.257+5801.325)/ 2 )
=-1  *  -212.69/5704.791
=3.73 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5608.257 + 0
=5608.257

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5801.325 + 0
=5801.325

* 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 3.73% mean?
Societe d'Equipements Domestiques et Menagers Credit EQDOM (CAS:EQD) has a Effective Interest Rate on Debt % of 3.73% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Societe d'Equipements Domestiques et Menagers Credit EQDOM and its competitors.
Is Societe d'Equipements Domestiques et Menagers Credit EQDOM's Effective Interest Rate on Debt % too high?
Societe d'Equipements Domestiques et Menagers Credit EQDOM's current Effective Interest Rate on Debt % is 3.73%. Overall, Societe d'Equipements Domestiques et Menagers Credit EQDOM has a GF Score™ of 21/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe d'Equipements Domestiques et Menagers Credit EQDOM's Effective Interest Rate on Debt % compare to V and MA?
Societe d'Equipements Domestiques et Menagers Credit EQDOM's Effective Interest Rate on Debt % of 3.73% 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 Societe d'Equipements Domestiques et Menagers Credit EQDOM and its competitors. Societe d'Equipements Domestiques et Menagers Credit EQDOM's current Effective Interest Rate on Debt % is 3.73%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe d'Equipements Domestiques et Menagers Credit EQDOM stock overvalued right now?
Based on GuruFocus' analysis, Societe d'Equipements Domestiques et Menagers Credit EQDOM (CAS:EQD) is currently considered Modestly Overvalued. The stock's GF Value™ is MAD1,284.84, compared to a current price of MAD1,600.00 — trading 24.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.73%. Societe d'Equipements Domestiques et Menagers Credit EQDOM's overall GF Score™ is 21/100 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 Societe d'Equipements Domestiques et Menagers Credit EQDOM (CAS:EQD), the current Effective Interest Rate on Debt % is 3.73% 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 Societe d'Equipements Domestiques et Menagers Credit EQDOM (CAS:EQD) Overvalued in 2026?

Based on GuruFocus' analysis, Societe d'Equipements Domestiques et Menagers Credit EQDOM stock appears to be overvalued. The current stock price of MAD1,600.00 is trading 24.5% above its estimated GF Value™ of MAD1,284.84. GuruFocus considers Societe d'Equipements Domestiques et Menagers Credit EQDOM to be Modestly Overvalued.

Key valuation signals for CAS:EQD:

  • Effective Interest Rate on Debt %: 3.73%
  • GF Value™: MAD1,284.84 vs. price of MAD1,600.00 (24.5% above fair value)
  • GF Score™: 21/100 with 4 warning signs

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


Societe d'Equipements Domestiques et Menagers Credit EQDOM Business Description

Address 127, Corner of Boulevard Zerktouni and Rue Ibnou Bouraid, Casablanca, MAR
Societe d'Equipements Domestiques et Menagers Credit EQDOM SA is engaged in financing and lending activities in Morocco. The company offers various unsecured and earmarked credit solutions such as vehicle loans, leisure loans, emergency loans, schooling loans, loans for special events, etc. Its clientele consists of civil servants, retirees from various pension funds, employees of contracted organizations, employees of non-contracted organizations, liberal professions, traders, craftsmen, and transport professionals, etc. EQDOM serves its clients through a network of branches spread across the country.
21GF Score

Get the complete analysis for CAS:EQD

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

MAD1,600.00
Price
MAD1,284.84
GF Value