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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. S & U's annualized positive value of Interest Expense for the quarter that ended in Jan. 2026 was €17.5 Mil. S & U's average total debt for the quarter that ended in Jan. 2026 was €245.6 Mil. Therefore, S & U's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 was 7.13%.
S & U (FRA:97V) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
S & U Effective Interest Rate on Debt % Related Terms
S & U Effective Interest Rate on Debt % Historical Data
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The historical data trend for S & U'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.
FRA:97V vs V, MA, AXP: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, S & U'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.
S & U Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, S & U's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where S & U'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 (Jan. 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 7.13% mean?
S & U (FRA:97V) has a Effective Interest Rate on Debt % of 7.13% as of Jan. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on S & U and its competitors.
Is S & U's Effective Interest Rate on Debt % too high?
S & U's current Effective Interest Rate on Debt % is 7.13%. Overall, S & U has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does S & U's Effective Interest Rate on Debt % compare to V and MA?
S & U's Effective Interest Rate on Debt % of 7.13% 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 S & U and its competitors. S & U's current Effective Interest Rate on Debt % is 7.13%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is S & U stock overvalued right now?
S & U (FRA:97V) has a current Effective Interest Rate on Debt % of 7.13%. The stock's GF Value™ is €23.64, compared to a current price of €23.00 — trading 2.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 7.13%. S & U's overall GF Score™ is 77/100 with 4 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 S & U (FRA:97V), the current Effective Interest Rate on Debt % is 7.13% as of Jan. 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 S & U (FRA:97V) Overvalued in 2026?
Based on GuruFocus' analysis, S & U stock appears to be undervalued.
The current stock price of €23.00 is trading 2.7% below its estimated GF Value™ of €23.64.
Key valuation signals for FRA:97V:
Effective Interest Rate on Debt %: 7.13%
GF Value™: €23.64 vs. price of €23.00 (2.7% below fair value)
No single metric tells the full story. See the FRA:97V stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
S & U PLC is a UK-based company. It is engaged in providing motor finance, property bridging, and specialist finance services. The company operates through the following business segments: Motor finance, and Property bridging finance. The majority of the revenue for the company is derived from the Motor finance segment which operates within the non-prime market sector, and acts as a supplier of specialist finance facilities, through motor dealers throughout the UK which facilitate the purchase of new and used cars, vans, motorbikes, and caravans. The company's finance products allow motor dealers across the UK to provide credit facilities.
77GF Score
Get the complete analysis for FRA:97V
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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