Sanlam Maroc (CAS:SAH) Effective Interest Rate on Debt %: 0.00% (As of Dec. 2025)

Sanlam Maroc CAS:SAH -0.27% 67 Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. GuruFocus rates CAS:SAH with a GF Score™ of 67/100 and a GF Value™ of MAD1,860.54 (Significantly Overvalued). 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. Sanlam Maroc's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was MAD0 Mil. Sanlam Maroc's average total debt for the quarter that ended in Dec. 2025 was MAD21 Mil. Therefore, Sanlam Maroc's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.00%.

Sanlam Maroc (CAS:SAH) Effective Interest Rate on Debt % Explanation

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

Sanlam Maroc Effective Interest Rate on Debt % Related Terms

Sanlam Maroc Effective Interest Rate on Debt % Historical Data

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The historical data trend for Sanlam Maroc'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.

Sanlam Maroc Effective Interest Rate on Debt % Chart

Sanlam Maroc Annual Data

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Effective Interest Rate on Debt %

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0.00

0.25

0.00

Sanlam Maroc 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															0.00	5.67	-4.95	4.24	0.00

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

For the Insurance - Diversified subindustry, Sanlam Maroc'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.

Sanlam Maroc Effective Interest Rate on Debt % vs Insurance Industry

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

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

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67GF Score

Sanlam Maroc CAS:SAH

Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.

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Sanlam Maroc Effective Interest Rate on Debt % Calculation

Sanlam Maroc'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	/	( (29.83	+	21.476)	/ 2 )
=	-1 * 0	/	25.653
=	0.00 %

where

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	29.83	+	0
=	29.83

	Total Debt (A: Dec. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	21.476	+	0
=	21.476

Sanlam Maroc'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	/	( (20.179	+	21.476)	/ 2 )
=	-1 * 0	/	20.8275
=	0.00 %

where

	Total Debt (Q: Jun. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	20.179	+	0
=	20.179

	Total Debt (Q: Dec. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	21.476	+	0
=	21.476

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.

Frequently Asked Questions Learn more about Effective Interest Rate on Debt % →

What does a Effective Interest Rate on Debt % of 0.00% mean?

Sanlam Maroc (CAS:SAH) has a Effective Interest Rate on Debt % of 0.00% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sanlam Maroc and its competitors.

Is Sanlam Maroc's Effective Interest Rate on Debt % too high?

Sanlam Maroc's current Effective Interest Rate on Debt % is 0.00%. Overall, Sanlam Maroc has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Sanlam Maroc's Effective Interest Rate on Debt % compare to BRK.A and AIG?

Sanlam Maroc's Effective Interest Rate on Debt % of 0.00% 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 Sanlam Maroc and its competitors. Sanlam Maroc's current Effective Interest Rate on Debt % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Sanlam Maroc stock overvalued right now?

Based on GuruFocus' analysis, Sanlam Maroc (CAS:SAH) is currently considered Significantly Overvalued. The stock's GF Value™ is MAD1,860.54, compared to a current price of MAD2,980.00 — trading 60.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Sanlam Maroc's overall GF Score™ is 67/100 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 Sanlam Maroc (CAS:SAH), the current Effective Interest Rate on Debt % is 0.00% 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 Sanlam Maroc (CAS:SAH) Overvalued in 2026?

Based on GuruFocus' analysis, Sanlam Maroc stock appears to be overvalued. The current stock price of MAD2,980.00 is trading 60.2% above its estimated GF Value™ of MAD1,860.54. GuruFocus considers Sanlam Maroc to be Significantly Overvalued.

Key valuation signals for CAS:SAH:

Effective Interest Rate on Debt %: 0.00%
GF Value™: MAD1,860.54 vs. price of MAD2,980.00 (60.2% above fair value)
GF Score™: 67/100 with 5 warning signs

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