AGI (FRA:GC6) Effective Interest Rate on Debt %: 372.87% (As of Mar. 2026)

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FRA:GC6 AGI Inc FRA:GC6
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What is AGI Effective Interest Rate on Debt %?

AGI FRA:GC6 -2.46% 10 Effective Interest Rate on Debt % is 372.87% as of Mar. 2026. GuruFocus rates FRA:GC6 with a GF Score™ of 10/100.

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. AGI's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €1,076.6 Mil. AGI's average total debt for the quarter that ended in Mar. 2026 was €288.7 Mil. Therefore, AGI's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 372.87%.

AGI  (FRA:GC6) Effective Interest Rate on Debt % Explanation

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

AGI Effective Interest Rate on Debt % Related Terms

AGI Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for AGI'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.

AGI Effective Interest Rate on Debt % Chart

AGI Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
0.00 312.50 255.02 288.44

AGI Quarterly Data
Dec23 Dec24 Mar25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial 306.56 310.68 0.00 339.35 372.87

FRA:GC6 vs OCFC, NBN, FMBL: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, AGI'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.

AGI Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, AGI's Effective Interest Rate on Debt % distribution charts can be found below:

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


FRA:GC6
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AGI Effective Interest Rate on Debt % Calculation

AGI'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  *  -661.826/( (196.759+262.148)/ 2 )
=-1  *  -661.826/229.4535
=288.44 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=147.087 + 49.672
=196.759

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=215.934 + 46.214
=262.148

AGI's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -1076.588/( (262.148+315.307)/ 2 )
=-1  *  -1076.588/288.7275
=372.87 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=215.934 + 46.214
=262.148

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=291.854 + 23.453
=315.307

* 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 (Mar. 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 372.87% mean?
AGI (FRA:GC6) has a Effective Interest Rate on Debt % of 372.87% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on AGI and its competitors.
Is AGI's Effective Interest Rate on Debt % too high?
AGI's current Effective Interest Rate on Debt % is 372.87%. Overall, AGI has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does AGI's Effective Interest Rate on Debt % compare to OCFC and NBN?
AGI's Effective Interest Rate on Debt % of 372.87% 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 AGI and its competitors. AGI's current Effective Interest Rate on Debt % is 372.87%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AGI stock overvalued right now?
AGI (FRA:GC6) has a current Effective Interest Rate on Debt % of 372.87%. The current Effective Interest Rate on Debt % is 372.87%. AGI's overall GF Score™ is 10/100. 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 AGI (FRA:GC6), the current Effective Interest Rate on Debt % is 372.87% as of Mar. 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.

AGI Business Description

Other Exchanges AGBK:USA
Address Rua Sergio Fernandes Borges Soares, 1000, Predio E1 Campinas, Sao Paulo, SP, BRA, 13054-709
AGI Inc is a technology-powered provider of specialized financial services in Brazil. It empowers clients to access their social security benefits, severance fund benefits, and public or private sector payrolls through secured lending solutions and complementary banking, credit and insurance products tailored as per client needs. The company has one operating segment related to the banking business. The Bank provides a standardized set of financial products and services exclusively to individuals, mainly focused on credit, including digital accounts, cards, payroll and personal loans, and insurance offered through partners.
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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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