FCHL (Fitness Champs Holdings) Effective Interest Rate on Debt %: 1.14% (As of Dec. 2025)

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FCHL Fitness Champs Holdings Ltd FCHL
20 GF Score
Price $1.15
! 2 Warning Signs
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What is Fitness Champs Holdings Effective Interest Rate on Debt %?

Fitness Champs Holdings FCHL -1.71% 20 Effective Interest Rate on Debt % is 1.14% as of Dec. 2025. GuruFocus rates FCHL with a GF Score™ of 20/100. The stock has 2 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. Fitness Champs Holdings's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $0.01 Mil. Fitness Champs Holdings's average total debt for the quarter that ended in Dec. 2025 was $1.05 Mil. Therefore, Fitness Champs Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 1.14%.

Fitness Champs Holdings  (NAS:FCHL) Effective Interest Rate on Debt % Explanation

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

Fitness Champs Holdings Effective Interest Rate on Debt % Related Terms

Fitness Champs Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Fitness Champs Holdings'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.

Fitness Champs Holdings Effective Interest Rate on Debt % Chart

Fitness Champs Holdings Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
6.81 5.03 2.25 1.78

Fitness Champs Holdings Semi-Annual Data
Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial 4.54 3.10 1.79 1.27 1.14

FCHL vs NAUH, RPDL, KIDZ: Effective Interest Rate on Debt % Comparison

For the Education & Training Services subindustry, Fitness Champs Holdings'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.

Fitness Champs Holdings Effective Interest Rate on Debt % vs Education Industry

For the Education industry and Consumer Defensive sector, Fitness Champs Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


FCHL
20GF Score
Fitness Champs Holdings Ltd FCHL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Fitness Champs Holdings Effective Interest Rate on Debt % Calculation

Fitness Champs Holdings'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  *  -0.015/( (1.204+0.478)/ 2 )
=-1  *  -0.015/0.841
=1.78 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.295 + 0.909
=1.204

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.301 + 0.177
=0.478

Fitness Champs Holdings'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: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -0.012/( (1.623+0.478)/ 2 )
=-1  *  -0.012/1.0505
=1.14 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.308 + 1.315
=1.623

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.301 + 0.177
=0.478

* 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 (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 1.14% mean?
Fitness Champs Holdings (FCHL) has a Effective Interest Rate on Debt % of 1.14% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Fitness Champs Holdings and its competitors.
Is Fitness Champs Holdings' Effective Interest Rate on Debt % too high?
Fitness Champs Holdings' current Effective Interest Rate on Debt % is 1.14%. Overall, Fitness Champs Holdings has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.
How does Fitness Champs Holdings' Effective Interest Rate on Debt % compare to NAUH and RPDL?
Fitness Champs Holdings' Effective Interest Rate on Debt % of 1.14% can be compared against companies in the Education 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 Education company?
A good Effective Interest Rate on Debt % depends on the Education 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 Fitness Champs Holdings and its competitors. Fitness Champs Holdings's current Effective Interest Rate on Debt % is 1.14%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fitness Champs Holdings stock overvalued right now?
Fitness Champs Holdings (FCHL) has a current Effective Interest Rate on Debt % of 1.14%. The current Effective Interest Rate on Debt % is 1.14%. Fitness Champs Holdings' overall GF Score™ is 20/100 with 2 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 Fitness Champs Holdings (FCHL), the current Effective Interest Rate on Debt % is 1.14% 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.

Fitness Champs Holdings Business Description

Address 7030 Ang Mo Kio, NorthStar@AMK, Avenue 5, No. 04-48, Singapore, SGP, 569880
Fitness Champs Holdings Ltd is a sports education provider in Singapore in the provision of swimming programs to students for private sector and public schools in Singapore.
20GF 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.

$1.15
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