Jardine Cycle & Carriage (FRA:CYC) Effective Interest Rate on Debt %: 3.57% (As of Dec. 2025)

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FRA:CYC Jardine Cycle & Carriage Ltd FRA:CYC
76 GF Score
Price €18.10
GF Value €17.27
Valuation Fairly Valued
! 3 Warning Signs
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What is Jardine Cycle & Carriage Effective Interest Rate on Debt %?

Jardine Cycle & Carriage FRA:CYC 76 Effective Interest Rate on Debt % is 3.57% as of Dec. 2025. GuruFocus rates FRA:CYC with a GF Score™ of 76/100 and a GF Value™ of €17.27 (Fairly Valued). The stock has 3 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. Jardine Cycle & Carriage's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €230 Mil. Jardine Cycle & Carriage's average total debt for the quarter that ended in Dec. 2025 was €6,444 Mil. Therefore, Jardine Cycle & Carriage's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 3.57%.


Jardine Cycle & Carriage  (FRA:CYC) Effective Interest Rate on Debt % Explanation

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


Jardine Cycle & Carriage Effective Interest Rate on Debt % Related Terms


Jardine Cycle & Carriage Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Jardine Cycle & Carriage'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.

Jardine Cycle & Carriage Effective Interest Rate on Debt % Chart

Jardine Cycle & Carriage Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.13 2.26 3.70 4.18 3.34

Jardine Cycle & Carriage Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 4.65 4.43 4.03 3.63 3.57

FRA:CYC vs HON, MMM: Effective Interest Rate on Debt % Comparison

For the Conglomerates subindustry, Jardine Cycle & Carriage'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.


Jardine Cycle & Carriage Effective Interest Rate on Debt % vs Conglomerates Industry

For the Conglomerates industry and Industrials sector, Jardine Cycle & Carriage's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Jardine Cycle & Carriage's Effective Interest Rate on Debt % falls into.


FRA:CYC
76GF Score
Jardine Cycle & Carriage Ltd FRA:CYC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Jardine Cycle & Carriage Effective Interest Rate on Debt % Calculation

Jardine Cycle & Carriage'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  *  -222.638/( (6966.248+6349.49)/ 2 )
=-1  *  -222.638/6657.869
=3.34 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3942.813 + 3023.435
=6966.248

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2659.698 + 3689.792
=6349.49

Jardine Cycle & Carriage'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  *  -230.068/( (6538.394+6349.49)/ 2 )
=-1  *  -230.068/6443.942
=3.57 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3284.803 + 3253.591
=6538.394

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2659.698 + 3689.792
=6349.49

* 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 3.57% mean?
Jardine Cycle & Carriage (FRA:CYC) has a Effective Interest Rate on Debt % of 3.57% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Jardine Cycle & Carriage and its competitors.
Is Jardine Cycle & Carriage's Effective Interest Rate on Debt % too high?
Jardine Cycle & Carriage's current Effective Interest Rate on Debt % is 3.57%. Overall, Jardine Cycle & Carriage has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jardine Cycle & Carriage's Effective Interest Rate on Debt % compare to HON and MMM?
Jardine Cycle & Carriage's Effective Interest Rate on Debt % of 3.57% can be compared against companies in the Conglomerates 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 Conglomerates company?
A good Effective Interest Rate on Debt % depends on the Conglomerates 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 Jardine Cycle & Carriage and its competitors. Jardine Cycle & Carriage's current Effective Interest Rate on Debt % is 3.57%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jardine Cycle & Carriage stock overvalued right now?
Based on GuruFocus' analysis, Jardine Cycle & Carriage (FRA:CYC) is currently considered Fairly Valued. The stock's GF Value™ is €17.27, compared to a current price of €18.10 — trading 4.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.57%. Jardine Cycle & Carriage's overall GF Score™ is 76/100 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 Jardine Cycle & Carriage (FRA:CYC), the current Effective Interest Rate on Debt % is 3.57% 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 Jardine Cycle & Carriage (FRA:CYC) Overvalued in 2026?

Based on GuruFocus' analysis, Jardine Cycle & Carriage stock appears to be overvalued. The current stock price of €18.10 is trading 4.8% above its estimated GF Value™ of €17.27. GuruFocus considers Jardine Cycle & Carriage to be Fairly Valued.

Key valuation signals for FRA:CYC:

  • Effective Interest Rate on Debt %: 3.57%
  • GF Value™: €17.27 vs. price of €18.10 (4.8% above fair value)
  • GF Score™: 76/100 with 3 warning signs

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


Jardine Cycle & Carriage Business Description

Address 239 Alexandra Road, Singapore, SGP, 159930
Jardine Cycle & Carriage Ltd is an investment holding conglomerate focused on investments in the manufacture and distribution of motor vehicles in Southeast Asia. Its segments are Astra, Thaco, Cycle & Carriage. The Astra segment includes the company's controlling interest in Astra International, an automotive group in Southeast Asia; THACO is a multi-industry group; Cycle & Carriage represents a broad range of automotive brands across its established network in Singapore and Malaysia.
76GF Score

Get the complete analysis for FRA:CYC

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

€18.10
Price
€17.27
GF Value