Envoy Textiles (DHA:ENVOYTEX) Effective Interest Rate on Debt %: 13.43% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

DHA:ENVOYTEX Envoy Textiles Ltd DHA:ENVOYTEX
99 GF Score
Price BDT58.20
GF Value BDT50.77
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Envoy Textiles Effective Interest Rate on Debt %?

Envoy Textiles DHA:ENVOYTEX -0.51% 99 Effective Interest Rate on Debt % is 13.43% as of Mar. 2026. GuruFocus rates DHA:ENVOYTEX with a GF Score™ of 99/100 and a GF Value™ of BDT50.77 (Modestly 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. Envoy Textiles's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was BDT1,551 Mil. Envoy Textiles's average total debt for the quarter that ended in Mar. 2026 was BDT11,547 Mil. Therefore, Envoy Textiles's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 13.43%.


Envoy Textiles  (DHA:ENVOYTEX) Effective Interest Rate on Debt % Explanation

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


Envoy Textiles Effective Interest Rate on Debt % Related Terms


Envoy Textiles Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Envoy Textiles'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.

Envoy Textiles Effective Interest Rate on Debt % Chart

Envoy Textiles Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.51 6.19 5.94 9.24 9.20

Envoy Textiles Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 8.77 8.62 9.31 9.06 13.43

Envoy Textiles Effective Interest Rate on Debt % Competitor Comparison

For the Textile Manufacturing subindustry, Envoy Textiles'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.


Envoy Textiles Effective Interest Rate on Debt % vs Manufacturing - Apparel & Accessories Industry

For the Manufacturing - Apparel & Accessories industry and Consumer Cyclical sector, Envoy Textiles's Effective Interest Rate on Debt % distribution charts can be found below:

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


DHA:ENVOYTEX
99GF Score
Envoy Textiles Ltd DHA:ENVOYTEX
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Envoy Textiles Effective Interest Rate on Debt % Calculation

Envoy Textiles's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -1337.85/( (13539.214+15554.149)/ 2 )
=-1  *  -1337.85/14546.6815
=9.20 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4803.447 + 8735.767
=13539.214

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4410.596 + 11143.553
=15554.149

Envoy Textiles's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -1551.272/( (13026.901+10066.844)/ 2 )
=-1  *  -1551.272/11546.8725
=13.43 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4378.081 + 8648.82
=13026.901

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4120.829 + 5946.015
=10066.844

* 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. 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 13.43% mean?
Envoy Textiles (DHA:ENVOYTEX) has a Effective Interest Rate on Debt % of 13.43% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Envoy Textiles and its competitors.
Is Envoy Textiles' Effective Interest Rate on Debt % too high?
Envoy Textiles' current Effective Interest Rate on Debt % is 13.43%. Overall, Envoy Textiles has a GF Score™ of 99/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Envoy Textiles' Effective Interest Rate on Debt % compare to competitors?
Envoy Textiles' Effective Interest Rate on Debt % of 13.43% can be compared against companies in the Manufacturing - Apparel & Accessories 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 Manufacturing - Apparel & Accessories company?
A good Effective Interest Rate on Debt % depends on the Manufacturing - Apparel & Accessories 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 Envoy Textiles and its competitors. Envoy Textiles's current Effective Interest Rate on Debt % is 13.43%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Envoy Textiles stock overvalued right now?
Based on GuruFocus' analysis, Envoy Textiles (DHA:ENVOYTEX) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT50.77, compared to a current price of BDT58.20 — trading 14.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 13.43%. Envoy Textiles' overall GF Score™ is 99/100 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 Envoy Textiles (DHA:ENVOYTEX), the current Effective Interest Rate on Debt % is 13.43% as of Mar. 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 Envoy Textiles (DHA:ENVOYTEX) Overvalued in 2026?

Based on GuruFocus' analysis, Envoy Textiles stock appears to be overvalued. The current stock price of BDT58.20 is trading 14.6% above its estimated GF Value™ of BDT50.77. GuruFocus considers Envoy Textiles to be Modestly Overvalued.

Key valuation signals for DHA:ENVOYTEX:

  • Effective Interest Rate on Debt %: 13.43%
  • GF Value™: BDT50.77 vs. price of BDT58.20 (14.6% above fair value)
  • GF Score™: 99/100 with 5 warning signs

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


Envoy Textiles Business Description

Address 18/E, Lake Circus Kalabagan, Envoy Tower, West Panthapath, Dhaka, BGD, 1205
Envoy Textiles Ltd is a manufacturer of denim and cotton yarn in Bangladesh. The company produces a range of denim products featuring a wide range of yarns and weaves in various shades of indigo and black. The company specializes in 4.5 oz to 14.75 oz ring and open-end denim and uses stretch, mill wash, and modern finishing processes. The product consists of zero cotton denim, bamboo denim, linen denim among others.
99GF Score

Get the complete analysis for DHA:ENVOYTEX

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

BDT58.20
Price
BDT50.77
GF Value