Ultimate Products (CHIX:ULTPL) Effective Interest Rate on Debt %: 9.17% (As of Jan. 2026)

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CHIX:ULTPL Ultimate Products PLC CHIX:ULTPL
64 GF Score
Price £0.48
GF Value £1.12
Valuation Significantly Undervalued
! 6 Warning Signs
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What is Ultimate Products Effective Interest Rate on Debt %?

Ultimate Products CHIX:ULTPL 64 Effective Interest Rate on Debt % is 9.17% as of Jan. 2026. GuruFocus rates CHIX:ULTPL with a GF Score™ of 64/100 and a GF Value™ of £1.12 (Significantly Undervalued). 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. Ultimate Products's annualized positive value of Interest Expense for the quarter that ended in Jan. 2026 was £1.7 Mil. Ultimate Products's average total debt for the quarter that ended in Jan. 2026 was £18.8 Mil. Therefore, Ultimate Products's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 was 9.17%.


Ultimate Products  (CHIX:ULTPl) Effective Interest Rate on Debt % Explanation

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


Ultimate Products Effective Interest Rate on Debt % Related Terms


Ultimate Products Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Ultimate Products'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.

Ultimate Products Effective Interest Rate on Debt % Chart

Ultimate Products Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.63 3.11 4.29 6.22 8.30

Ultimate Products Semi-Annual Data
Jul15 Jul16 Jul17 Jan18 Jul18 Jan19 Jul19 Jan20 Jul20 Jan21 Jul21 Jan22 Jul22 Jan23 Jul23 Jan24 Jul24 Jan25 Jul25 Jan26
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 5.41 8.38 7.01 8.22 9.17

CHIX:ULTPL vs SN, SGI, MHK: Effective Interest Rate on Debt % Comparison

For the Furnishings, Fixtures & Appliances subindustry, Ultimate Products'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.


Ultimate Products Effective Interest Rate on Debt % vs Furnishings, Fixtures & Appliances Industry

For the Furnishings, Fixtures & Appliances industry and Consumer Cyclical sector, Ultimate Products's Effective Interest Rate on Debt % distribution charts can be found below:

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


CHIX:ULTPL
64GF Score
Ultimate Products PLC CHIX:ULTPL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Ultimate Products Effective Interest Rate on Debt % Calculation

Ultimate Products's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jul. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jul. 2024 )+Total Debt  (A: Jul. 2025 ))/ count )
=-1  *  -1.702/( (19.398+21.596)/ 2 )
=-1  *  -1.702/20.497
=8.30 %

where

Total Debt  (A: Jul. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3.436 + 15.962
=19.398

Total Debt  (A: Jul. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.601 + 18.995
=21.596

Ultimate Products's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jul. 2025 )+Total Debt  (Q: Jan. 2026 ))/ count )
=-1  *  -1.728/( (21.596+16.077)/ 2 )
=-1  *  -1.728/18.8365
=9.17 %

where

Total Debt  (Q: Jul. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.601 + 18.995
=21.596

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.247 + 13.83
=16.077

* 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 (Jan. 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 9.17% mean?
Ultimate Products (CHIX:ULTPL) has a Effective Interest Rate on Debt % of 9.17% as of Jan. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Ultimate Products and its competitors.
Is Ultimate Products' Effective Interest Rate on Debt % too high?
Ultimate Products' current Effective Interest Rate on Debt % is 9.17%. Overall, Ultimate Products has a GF Score™ of 64/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ultimate Products' Effective Interest Rate on Debt % compare to SN and SGI?
Ultimate Products' Effective Interest Rate on Debt % of 9.17% can be compared against companies in the Furnishings, Fixtures & Appliances 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 Furnishings, Fixtures & Appliances company?
A good Effective Interest Rate on Debt % depends on the Furnishings, Fixtures & Appliances 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 Ultimate Products and its competitors. Ultimate Products's current Effective Interest Rate on Debt % is 9.17%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ultimate Products stock overvalued right now?
Based on GuruFocus' analysis, Ultimate Products (CHIX:ULTPL) is currently considered Significantly Undervalued. The stock's GF Value™ is £1.12, compared to a current price of £0.48 — trading 57.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 9.17%. Ultimate Products' overall GF Score™ is 64/100 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 Ultimate Products (CHIX:ULTPL), the current Effective Interest Rate on Debt % is 9.17% as of Jan. 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 Ultimate Products (CHIX:ULTPL) Overvalued in 2026?

Based on GuruFocus' analysis, Ultimate Products stock appears to be undervalued. The current stock price of £0.48 is trading 57.5% below its estimated GF Value™ of £1.12. GuruFocus considers Ultimate Products to be Significantly Undervalued.

Key valuation signals for CHIX:ULTPL:

  • Effective Interest Rate on Debt %: 9.17%
  • GF Value™: £1.12 vs. price of £0.48 (57.5% below fair value)
  • GF Score™: 64/100 with 6 warning signs

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


Ultimate Products Business Description

Other Exchanges ULTP:UK3DJ:Germany
Address Victoria Street, Manor Mill, Chadderton, Oldham, Manchester, GBR, OL9 0DD
Ultimate Products PLC designs, develops and distributes homeware products across its key brands, including the household names Salter and Beldray. Its other brands include Progress, Kleenez, Petra, Maxim, Russell Hobbs, and Intempo among others. The company sells products across different categories, such as small domestic appliances, housewares, laundry, audio, and heating and cooling. Its products are sold to a broad cross-section of both large national and international multi-channel retailers as well as smaller national retail chains, incorporating discount retailers, supermarkets, general retailers, and online retailers. Geographically, the company derives its key revenue from the United Kingdom and the rest from Germany, Rest of Europe and the Rest of the world.
64GF Score

Get the complete analysis for CHIX:ULTPL

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

£0.48
Price
£1.12
GF Value