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Manx Financial Group (FRA:3IM) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Manx Financial Group Effective Interest Rate on Debt % Related Terms
Manx Financial Group Effective Interest Rate on Debt % Historical Data
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The historical data trend for Manx Financial Group'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.
Manx Financial Group Effective Interest Rate on Debt % Chart
FRA:3IM vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Manx Financial Group'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.
Manx Financial Group Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Manx Financial Group's Effective Interest Rate on Debt % falls into.
* 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 41.49% mean?
Manx Financial Group (FRA:3IM) has a Effective Interest Rate on Debt % of 41.49% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Manx Financial Group and its competitors.
Is Manx Financial Group's Effective Interest Rate on Debt % too high?
Manx Financial Group's current Effective Interest Rate on Debt % is 41.49%. Overall, Manx Financial Group has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's Effective Interest Rate on Debt % compare to PNC and USB?
Manx Financial Group's Effective Interest Rate on Debt % of 41.49% can be compared against companies in the Banks 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 Banks company?
A good Effective Interest Rate on Debt % depends on the Banks 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 Manx Financial Group and its competitors. Manx Financial Group's current Effective Interest Rate on Debt % is 41.49%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Fairly Valued. The stock's GF Value™ is €0.26, compared to a current price of €0.26 — trading 0.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 41.49%. Manx Financial Group's overall GF Score™ is 53/100 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 Manx Financial Group (FRA:3IM), the current Effective Interest Rate on Debt % is 41.49% 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.26 is trading 0.8% above its estimated GF Value™ of €0.26.
GuruFocus considers Manx Financial Group to be Fairly Valued.
Key valuation signals for FRA:3IM:
Effective Interest Rate on Debt %: 41.49%
GF Value™: €0.26 vs. price of €0.26 (0.8% above fair value)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
53GF 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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