MINISO Group Holding (FRA:MIF0) Effective Interest Rate on Debt %: 4.39% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:MIF0 MINISO Group Holding Ltd FRA:MIF0
74 GF Score
Price €2.72
GF Value €7.02
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is MINISO Group Holding Effective Interest Rate on Debt %?

MINISO Group Holding FRA:MIF0 -2.08% 74 Effective Interest Rate on Debt % is 4.39% as of Mar. 2026. GuruFocus rates FRA:MIF0 with a GF Score™ of 74/100 and a GF Value™ of €7.02 (Significantly Undervalued). 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. MINISO Group Holding's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €60 Mil. MINISO Group Holding's average total debt for the quarter that ended in Mar. 2026 was €1,379 Mil. Therefore, MINISO Group Holding's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.39%.


MINISO Group Holding  (FRA:MIF0) Effective Interest Rate on Debt % Explanation

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


MINISO Group Holding Effective Interest Rate on Debt % Related Terms


MINISO Group Holding Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for MINISO Group Holding'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.

MINISO Group Holding Effective Interest Rate on Debt % Chart

MINISO Group Holding Annual Data
Trend Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 3.13 4.73 4.29 4.66 6.07

MINISO Group Holding Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 5.54 4.31 4.66 4.13 4.39

FRA:MIF0 vs RH, ASO, BBWI: Effective Interest Rate on Debt % Comparison

For the Specialty Retail subindustry, MINISO Group Holding'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.


MINISO Group Holding Effective Interest Rate on Debt % vs Retail - Cyclical Industry

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

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


FRA:MIF0
74GF Score
MINISO Group Holding Ltd FRA:MIF0
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

MINISO Group Holding Effective Interest Rate on Debt % Calculation

MINISO Group Holding'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  *  -52.251/( (407.903+1313.279)/ 2 )
=-1  *  -52.251/860.591
=6.07 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=250.197 + 157.706
=407.903

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=985.681 + 327.598
=1313.279

MINISO Group Holding'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  *  -60.492/( (1313.279+1445.647)/ 2 )
=-1  *  -60.492/1379.463
=4.39 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=985.681 + 327.598
=1313.279

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1059.237 + 386.41
=1445.647

* 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 4.39% mean?
MINISO Group Holding (FRA:MIF0) has a Effective Interest Rate on Debt % of 4.39% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on MINISO Group Holding and its competitors.
Is MINISO Group Holding's Effective Interest Rate on Debt % too high?
MINISO Group Holding's current Effective Interest Rate on Debt % is 4.39%. Overall, MINISO Group Holding has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MINISO Group Holding's Effective Interest Rate on Debt % compare to RH and ASO?
MINISO Group Holding's Effective Interest Rate on Debt % of 4.39% 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 MINISO Group Holding and its competitors. MINISO Group Holding's current Effective Interest Rate on Debt % is 4.39%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MINISO Group Holding stock overvalued right now?
Based on GuruFocus' analysis, MINISO Group Holding (FRA:MIF0) is currently considered Significantly Undervalued. The stock's GF Value™ is €7.02, compared to a current price of €2.72 — trading 61.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.39%. MINISO Group Holding's overall GF Score™ is 74/100 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 MINISO Group Holding (FRA:MIF0), the current Effective Interest Rate on Debt % is 4.39% 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.

Is MINISO Group Holding (FRA:MIF0) Overvalued in 2026?

Based on GuruFocus' analysis, MINISO Group Holding stock appears to be undervalued. The current stock price of €2.72 is trading 61.2% below its estimated GF Value™ of €7.02. GuruFocus considers MINISO Group Holding to be Significantly Undervalued.

Key valuation signals for FRA:MIF0:

  • Effective Interest Rate on Debt %: 4.39%
  • GF Value™: €7.02 vs. price of €2.72 (61.2% below fair value)
  • GF Score™: 74/100 with 3 warning signs

No single metric tells the full story. See the FRA:MIF0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


MINISO Group Holding Business Description

Address No. 109, Pazhou Avenue, 8th Floor, M Plaza, Haizhu District, Guangdong Province, Guangzhou, CHN, 510000
MINISO Group Holding Ltd is a value retailer offering a variety of trendy lifestyle products featuring IP design. The principal activity of the Company is investment holding. The company's product categories include home decor, small electronics, textiles, accessories, beauty tools, toys, cosmetics, personal care, snacks, fragrance and perfumes, and stationery and gifts. Its segment includes the MINISO brand -Chinese Mainland and MINISO brand-Overseas which is engaged in the Design, buying, and sale of lifestyle products, and the TOP TOY brand, which is engaged in the Design, buying, and sale of pop toys. The company generates maximum revenue from theMINISO brand -Chinese Mainland segment. Geographically, it derives a majority of its revenue from Chinese Mainland.
74GF Score

Get the complete analysis for FRA:MIF0

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

€2.72
Price
€7.02
GF Value