CTTPY (CTT-Correios de Portugal) Effective Interest Rate on Debt %: 4.04% (As of Dec. 2025)

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CTTPY CTT-Correios de Portugal SA CTTPY
75 GF Score
Price $15.90
GF Value $16.81
! 3 Warning Signs
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What is CTT-Correios de Portugal Effective Interest Rate on Debt %?

CTT-Correios de Portugal CTTPY +98.38% 75 Effective Interest Rate on Debt % is 4.04% as of Dec. 2025. GuruFocus rates CTTPY with a GF Score™ of 75/100 and a GF Value™ of $16.81. The stock has 3 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. CTT-Correios de Portugal's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $26 Mil. CTT-Correios de Portugal's average total debt for the quarter that ended in Dec. 2025 was $654 Mil. Therefore, CTT-Correios de Portugal's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 4.04%.


CTT-Correios de Portugal  (OTCPK:CTTPY) Effective Interest Rate on Debt % Explanation

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


CTT-Correios de Portugal Effective Interest Rate on Debt % Related Terms


CTT-Correios de Portugal Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for CTT-Correios de Portugal'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.

CTT-Correios de Portugal Effective Interest Rate on Debt % Chart

CTT-Correios de Portugal 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 0.36 0.53 2.65 3.11 4.05

CTT-Correios de Portugal Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 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 3.52 2.19 4.31 4.16 4.04

CTTPY vs UPS, FDX, JBHT: Effective Interest Rate on Debt % Comparison

For the Integrated Freight & Logistics subindustry, CTT-Correios de Portugal'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.


CTT-Correios de Portugal Effective Interest Rate on Debt % vs Transportation Industry

For the Transportation industry and Industrials sector, CTT-Correios de Portugal's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where CTT-Correios de Portugal's Effective Interest Rate on Debt % falls into.


CTTPY
75GF Score
CTT-Correios de Portugal SA CTTPY
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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CTT-Correios de Portugal Effective Interest Rate on Debt % Calculation

CTT-Correios de Portugal'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  *  -23.423/( (501.723+656.345)/ 2 )
=-1  *  -23.423/579.034
=4.05 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=449.236 + 52.487
=501.723

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=590.056 + 66.289
=656.345

CTT-Correios de Portugal'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: Sep. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -26.428/( (652.296+656.345)/ 2 )
=-1  *  -26.428/654.3205
=4.04 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=529.285 + 123.011
=652.296

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=590.056 + 66.289
=656.345

* 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 (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 4.04% mean?
CTT-Correios de Portugal (CTTPY) has a Effective Interest Rate on Debt % of 4.04% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CTT-Correios de Portugal and its competitors.
Is CTT-Correios de Portugal's Effective Interest Rate on Debt % too high?
CTT-Correios de Portugal's current Effective Interest Rate on Debt % is 4.04%. Overall, CTT-Correios de Portugal has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does CTT-Correios de Portugal's Effective Interest Rate on Debt % compare to UPS and FDX?
CTT-Correios de Portugal's Effective Interest Rate on Debt % of 4.04% can be compared against companies in the Transportation 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 Transportation company?
A good Effective Interest Rate on Debt % depends on the Transportation 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 CTT-Correios de Portugal and its competitors. CTT-Correios de Portugal's current Effective Interest Rate on Debt % is 4.04%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CTT-Correios de Portugal stock overvalued right now?
CTT-Correios de Portugal (CTTPY) has a current Effective Interest Rate on Debt % of 4.04%. The stock's GF Value™ is $16.81, compared to a current price of $15.90 — trading 5.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.04%. CTT-Correios de Portugal's overall GF Score™ is 75/100 with 3 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 CTT-Correios de Portugal (CTTPY), the current Effective Interest Rate on Debt % is 4.04% 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 CTT-Correios de Portugal (CTTPY) Overvalued in 2026?

Based on GuruFocus' analysis, CTT-Correios de Portugal stock appears to be undervalued. The current stock price of $15.90 is trading 5.4% below its estimated GF Value™ of $16.81.

Key valuation signals for CTTPY:

  • Effective Interest Rate on Debt %: 4.04%
  • GF Value™: $16.81 vs. price of $15.90 (5.4% below fair value)
  • GF Score™: 75/100 with 3 warning signs

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


CTT-Correios de Portugal Business Description

Address Avenida dos Combatentes 43, No.1643-001, 4th Floor, Lisbon, PRT, 1999-001
CTT-Correios de Portugal SA operates in the postal and logistics sector, with operations organised into the segments Mail & Services, Express & Parcels, E-commerce Solutions, and Financial Services. The Mail & Services area comprises Mail, Business Solutions, and Financial and Retail Services. Mail is the main business, Business Solutions uses digitalisation to strengthen customer relationships, and Financial and Retail Services are supported by the retail network. Products and services include mail delivery, express and shipping solutions such as Basic Mail, Track Mail, and Express for Tomorrow, digital platforms, document management, business process services, payments, financial intermediation, insurance, and retail services. It operates in Portugal, Spain and the rest of the world.
75GF Score

Get the complete analysis for CTTPY

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

$15.90
Price
$16.81
GF Value