Trust Islami Life Insurance (DHA:TILIL) Effective Interest Rate on Debt %: 8.98% (As of Jun. 2025)

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DHA:TILIL Trust Islami Life Insurance PLC DHA:TILIL
40 GF Score
Price BDT55.50
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What is Trust Islami Life Insurance Effective Interest Rate on Debt %?

Trust Islami Life Insurance DHA:TILIL -2.12% 40 Effective Interest Rate on Debt % is 8.98% as of Jun. 2025. GuruFocus rates DHA:TILIL with a GF Score™ of 40/100.

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. Trust Islami Life Insurance's annualized positive value of Interest Expense for the quarter that ended in Jun. 2025 was BDT1.1 Mil. Trust Islami Life Insurance's average total debt for the quarter that ended in Jun. 2025 was BDT12.6 Mil. Therefore, Trust Islami Life Insurance's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2025 was 8.98%.


Trust Islami Life Insurance  (DHA:TILIL) Effective Interest Rate on Debt % Explanation

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


Trust Islami Life Insurance Effective Interest Rate on Debt % Related Terms


Trust Islami Life Insurance Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Trust Islami Life Insurance'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.

Trust Islami Life Insurance Effective Interest Rate on Debt % Chart

Trust Islami Life Insurance Annual Data
Trend Dec22 Dec23 Dec24
Effective Interest Rate on Debt %
5.17 5.65 7.60

Trust Islami Life Insurance Quarterly Data
Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.88 7.69 8.93 10.58 8.98

DHA:TILIL vs AFL, MET, PRU: Effective Interest Rate on Debt % Comparison

For the Insurance - Life subindustry, Trust Islami Life Insurance'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.


Trust Islami Life Insurance Effective Interest Rate on Debt % vs Insurance Industry

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

* The bar in red indicates where Trust Islami Life Insurance's Effective Interest Rate on Debt % falls into.


DHA:TILIL
40GF Score
Trust Islami Life Insurance PLC DHA:TILIL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Trust Islami Life Insurance Effective Interest Rate on Debt % Calculation

Trust Islami Life Insurance's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -0.992/( (15.36+10.74)/ 2 )
=-1  *  -0.992/13.05
=7.60 %

where

Trust Islami Life Insurance's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2025 )+Total Debt  (Q: Jun. 2025 ))/ count )
=-1  *  -1.132/( (12.541+12.669)/ 2 )
=-1  *  -1.132/12.605
=8.98 %

where

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=12.541 + 0
=12.541

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=12.669 + 0
=12.669

* 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 (Jun. 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 8.98% mean?
Trust Islami Life Insurance (DHA:TILIL) has a Effective Interest Rate on Debt % of 8.98% as of Jun. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Trust Islami Life Insurance and its competitors.
Is Trust Islami Life Insurance's Effective Interest Rate on Debt % too high?
Trust Islami Life Insurance's current Effective Interest Rate on Debt % is 8.98%. Overall, Trust Islami Life Insurance has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Trust Islami Life Insurance's Effective Interest Rate on Debt % compare to AFL and MET?
Trust Islami Life Insurance's Effective Interest Rate on Debt % of 8.98% 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 Trust Islami Life Insurance and its competitors. Trust Islami Life Insurance's current Effective Interest Rate on Debt % is 8.98%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trust Islami Life Insurance stock overvalued right now?
Trust Islami Life Insurance (DHA:TILIL) has a current Effective Interest Rate on Debt % of 8.98%. The current Effective Interest Rate on Debt % is 8.98%. Trust Islami Life Insurance's overall GF Score™ is 40/100. 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 Trust Islami Life Insurance (DHA:TILIL), the current Effective Interest Rate on Debt % is 8.98% as of Jun. 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.

Trust Islami Life Insurance Business Description

Address 67/1, Naya Paltan, VIP Road, Paltan China Town, 17th Floor, West Tower, Dhaka, BGD, 1000
Trust Islami Life Insurance PLC, formerly known as Trust Islami Life Insurance Ltd, engages in carrying out all kinds of Life insurance activities. It is engaged in Ordinary life Insurance, Group Insurance (GI), and Non-traditional Micro Insurance businesses. The company offers products such as Ordinary Savings, Micro Savings, Sariah Plans, Pension Scheme, Children Protection, Investment plans.
40GF Score

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

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