CTHR (Charleslvard) Effective Interest Rate on Debt %: 3.09% (As of Mar. 2025)


What is Charleslvard Effective Interest Rate on Debt %?

Charleslvard CTHR Effective Interest Rate on Debt % is 3.09% as of Mar. 2025.

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. Charleslvard's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was $0.08 Mil. Charleslvard's average total debt for the quarter that ended in Mar. 2025 was $2.72 Mil. Therefore, Charleslvard's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 3.09%.

Charleslvard  (OTCPK:CTHR) Effective Interest Rate on Debt % Explanation

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

Charleslvard Effective Interest Rate on Debt % Related Terms

Charleslvard Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Charleslvard'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.

Charleslvard Effective Interest Rate on Debt % Chart

Charleslvard Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.06 0.30 0.00 0.00 1.58

Charleslvard Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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 1.35 4.76 3.63 3.52 3.09

CTHR vs LSEB, QSJC, OCG: Effective Interest Rate on Debt % Comparison

For the Luxury Goods subindustry, Charleslvard'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.

Charleslvard Effective Interest Rate on Debt % vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Charleslvard's Effective Interest Rate on Debt % distribution charts can be found below:

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


Charleslvard Effective Interest Rate on Debt % Calculation

Charleslvard's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2023 )+Total Debt  (A: Jun. 2024 ))/ count )
=-1  *  -0.058/( (2.928+4.406)/ 2 )
=-1  *  -0.058/3.667
=1.58 %

where

Total Debt  (A: Jun. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.048 + 0.88
=2.928

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.202 + 3.204
=4.406

Charleslvard's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Mar. 2025 ))/ count )
=-1  *  -0.084/( (3.979+1.458)/ 2 )
=-1  *  -0.084/2.7185
=3.09 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.762 + 3.217
=3.979

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.535 + 0.923
=1.458

* 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 (Mar. 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 3.09% mean?
Charleslvard (CTHR) has a Effective Interest Rate on Debt % of 3.09% as of Mar. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Charleslvard and its competitors.
Is Charleslvard's Effective Interest Rate on Debt % too high?
Charleslvard's current Effective Interest Rate on Debt % is 3.09%.
How does Charleslvard's Effective Interest Rate on Debt % compare to LSEB and QSJC?
Charleslvard's Effective Interest Rate on Debt % of 3.09% can be compared against companies in the Retail - Cyclical 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 Retail - Cyclical company?
A good Effective Interest Rate on Debt % depends on the Retail - Cyclical 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 Charleslvard and its competitors. Charleslvard's current Effective Interest Rate on Debt % is 3.09%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Charleslvard stock overvalued right now?
Charleslvard (CTHR) has a current Effective Interest Rate on Debt % of 3.09%. The current Effective Interest Rate on Debt % is 3.09%. 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 Charleslvard (CTHR), the current Effective Interest Rate on Debt % is 3.09% as of Mar. 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.

Charleslvard Business Description

Address 170 Southport Drive, Morrisville, NC, USA, 27560
Charles & Colvard Ltd manufactures, markets, and distributes finished jewellery which also includes moissanite gemstone in the jewellery market. The company sells jewels through two operating segments namely Online Channels segment and Traditional segment. It generates maximum revenue from the Online Channels segment. Online Channels segment which consists of e-commerce outlets including charlesandcolvard.com, moissaniteoutlet.com, third-party online marketplaces, drop-ship retail, and other pure-play, exclusively e-commerce outlets.