Giordano International (FRA:GIO) Effective Interest Rate on Debt %: 6.22% (As of Dec. 2025)

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FRA:GIO Giordano International Ltd FRA:GIO
91 GF Score
Price €0.14
GF Value €0.17
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Giordano International Effective Interest Rate on Debt %?

Giordano International FRA:GIO 91 Effective Interest Rate on Debt % is 6.22% as of Dec. 2025. GuruFocus rates FRA:GIO with a GF Score™ of 91/100 and a GF Value™ of €0.17 (Modestly Undervalued). The stock has 4 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. Giordano International's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €4.8 Mil. Giordano International's average total debt for the quarter that ended in Dec. 2025 was €77.6 Mil. Therefore, Giordano International's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 6.22%.


Giordano International  (FRA:GIO) Effective Interest Rate on Debt % Explanation

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


Giordano International Effective Interest Rate on Debt % Related Terms


Giordano International Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Giordano International'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.

Giordano International Effective Interest Rate on Debt % Chart

Giordano International 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 5.54 6.17 7.66 6.53 5.96

Giordano International 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 8.93 8.54 8.91 5.89 6.22

FRA:GIO vs TJX, ROST, BURL: Effective Interest Rate on Debt % Comparison

For the Apparel Retail subindustry, Giordano International'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.


Giordano International Effective Interest Rate on Debt % vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Giordano International's Effective Interest Rate on Debt % distribution charts can be found below:

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


FRA:GIO
91GF Score
Giordano International Ltd FRA:GIO
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Giordano International Effective Interest Rate on Debt % Calculation

Giordano International'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  *  -4.939/( (91.404+74.196)/ 2 )
=-1  *  -4.939/82.8
=5.96 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=47.913 + 43.491
=91.404

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=36.22 + 37.976
=74.196

Giordano International'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  *  -4.83/( (81.081+74.196)/ 2 )
=-1  *  -4.83/77.6385
=6.22 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=40.651 + 40.43
=81.081

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=36.22 + 37.976
=74.196

* 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 6.22% mean?
Giordano International (FRA:GIO) has a Effective Interest Rate on Debt % of 6.22% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Giordano International and its competitors.
Is Giordano International's Effective Interest Rate on Debt % too high?
Giordano International's current Effective Interest Rate on Debt % is 6.22%. Overall, Giordano International has a GF Score™ of 91/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Giordano International's Effective Interest Rate on Debt % compare to TJX and ROST?
Giordano International's Effective Interest Rate on Debt % of 6.22% can be compared against companies in the Retail - Cyclical 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 Retail - Cyclical company?
A good Effective Interest Rate on Debt % depends on the Retail - Cyclical 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 Giordano International and its competitors. Giordano International's current Effective Interest Rate on Debt % is 6.22%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Giordano International stock overvalued right now?
Based on GuruFocus' analysis, Giordano International (FRA:GIO) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.17, compared to a current price of €0.14 — trading 16.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 6.22%. Giordano International's overall GF Score™ is 91/100 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 Giordano International (FRA:GIO), the current Effective Interest Rate on Debt % is 6.22% 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 Giordano International (FRA:GIO) Overvalued in 2026?

Based on GuruFocus' analysis, Giordano International stock appears to be undervalued. The current stock price of €0.14 is trading 16.5% below its estimated GF Value™ of €0.17. GuruFocus considers Giordano International to be Modestly Undervalued.

Key valuation signals for FRA:GIO:

  • Effective Interest Rate on Debt %: 6.22%
  • GF Value™: €0.17 vs. price of €0.14 (16.5% below fair value)
  • GF Score™: 91/100 with 4 warning signs

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


Giordano International Business Description

Other Exchanges GRDZF:USA00709:Hong Kong
Address 777-779 Cheung Sha Wan Road, 5th Floor, Tin On Industrial Building, Kowloon, Hong Kong, HKG
Giordano International Ltd is an apparel manufacturer and retailer with thousands of stores in the Asia-Pacific region. Giordano's has both self-operated and franchised stores. The Giordano brand, encompassing Giordano Men, Giordano Women, and Giordano Junior, generates the vast majority of the company's sales, mostly through Giordano Men. Other brands include Giordano Ladies, BSX, Beau Monde, and Eula. There are two operating segments: Retail and Distribution; and Wholesales to Overseas Franchisees. The Retail and Distribution segment is geographically managed through Mainland China and the Gulf Cooperation Council (the GCC), Hong Kong and Macau, Taiwan, Southeast Asia and Australia, and Wholesale to Overseas Franchisees.
91GF Score

Get the complete analysis for FRA:GIO

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

€0.14
Price
€0.17
GF Value