Resurs Holding AB (FRA:4R6) Effective Interest Rate on Debt %: 19.64% (As of Sep. 2025)

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FRA:4R6 Resurs Holding AB FRA:4R6
13 GF Score
Price €3.17
GF Value €2.23
! 5 Warning Signs
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What is Resurs Holding AB Effective Interest Rate on Debt %?

Resurs Holding AB FRA:4R6 13 Effective Interest Rate on Debt % is 19.64% as of Sep. 2025. GuruFocus rates FRA:4R6 with a GF Score™ of 13/100 and a GF Value™ of €2.23. 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. Resurs Holding AB's annualized positive value of Interest Expense for the quarter that ended in Sep. 2025 was €106.6 Mil. Resurs Holding AB's average total debt for the quarter that ended in Sep. 2025 was €542.8 Mil. Therefore, Resurs Holding AB's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 was 19.64%.


Resurs Holding AB  (FRA:4R6) Effective Interest Rate on Debt % Explanation

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


Resurs Holding AB Effective Interest Rate on Debt % Related Terms


Resurs Holding AB Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Resurs Holding AB'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.

Resurs Holding AB Effective Interest Rate on Debt % Chart

Resurs Holding AB Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.43 4.67 6.42 20.46 29.51

Resurs Holding AB Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
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 37.65 35.45 26.53 20.71 19.64

FRA:4R6 vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Resurs Holding AB'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.


Resurs Holding AB Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Resurs Holding AB's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Resurs Holding AB's Effective Interest Rate on Debt % falls into.


FRA:4R6
13GF Score
Resurs Holding AB FRA:4R6
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Resurs Holding AB Effective Interest Rate on Debt % Calculation

Resurs Holding AB'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  *  -151.567/( (562.081+465.04)/ 2 )
=-1  *  -151.567/513.5605
=29.51 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=562.081 + 0
=562.081

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=465.04 + 0
=465.04

Resurs Holding AB's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Sep. 2025 ))/ count )
=-1  *  -106.616/( (542.514+543.171)/ 2 )
=-1  *  -106.616/542.8425
=19.64 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=542.514 + 0
=542.514

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=543.171 + 0
=543.171

* 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 (Sep. 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 19.64% mean?
Resurs Holding AB (FRA:4R6) has a Effective Interest Rate on Debt % of 19.64% as of Sep. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Resurs Holding AB and its competitors.
Is Resurs Holding AB's Effective Interest Rate on Debt % too high?
Resurs Holding AB's current Effective Interest Rate on Debt % is 19.64%. Overall, Resurs Holding AB has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Resurs Holding AB's Effective Interest Rate on Debt % compare to V and MA?
Resurs Holding AB's Effective Interest Rate on Debt % of 19.64% can be compared against companies in the Credit Services 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services 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 Resurs Holding AB and its competitors. Resurs Holding AB's current Effective Interest Rate on Debt % is 19.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Resurs Holding AB stock overvalued right now?
Resurs Holding AB (FRA:4R6) has a current Effective Interest Rate on Debt % of 19.64%. The stock's GF Value™ is €2.23, compared to a current price of €3.17 — trading 41.9% above its estimated fair value. The current Effective Interest Rate on Debt % is 19.64%. Resurs Holding AB's overall GF Score™ is 13/100 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 Resurs Holding AB (FRA:4R6), the current Effective Interest Rate on Debt % is 19.64% as of Sep. 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 Resurs Holding AB (FRA:4R6) Overvalued in 2026?

Based on GuruFocus' analysis, Resurs Holding AB stock appears to be overvalued. The current stock price of €3.17 is trading 41.9% above its estimated GF Value™ of €2.23.

Key valuation signals for FRA:4R6:

  • Effective Interest Rate on Debt %: 19.64%
  • GF Value™: €2.23 vs. price of €3.17 (41.9% above fair value)
  • GF Score™: 13/100 with 5 warning signs

No single metric tells the full story. See the FRA:4R6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Resurs Holding AB Business Description

Address Ekslingan 9, Vala Norra, Helsingborg, SWE
Resurs Holding AB provides retail financial services. It offers payment and loyalty solutions for chain stores and e-commerce companies across the Nordic region. It offers unsecured loans to consumers wishing to finance investments in their homes, travels, or other consumer goods. Its segments include Payment Solutions and Consumer Loans. It operates its business in Denmark, Sweden, the UK, the USA, Norway, and others. The majority of the company's revenue comes from Sweden.
13GF Score

Get the complete analysis for FRA:4R6

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

€3.17
Price
€2.23
GF Value