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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. DelfinGroup's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €13.56 Mil. DelfinGroup's average total debt for the quarter that ended in Mar. 2026 was €126.47 Mil. Therefore, DelfinGroup's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 10.73%.
DelfinGroup (FRA:ON0) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
DelfinGroup Effective Interest Rate on Debt % Related Terms
DelfinGroup Effective Interest Rate on Debt % Historical Data
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The historical data trend for DelfinGroup'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.
DelfinGroup Effective Interest Rate on Debt % Chart
FRA:ON0 vs V, MA, AXP: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, DelfinGroup'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.
DelfinGroup Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, DelfinGroup's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where DelfinGroup'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 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 10.73% mean?
DelfinGroup (FRA:ON0) has a Effective Interest Rate on Debt % of 10.73% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on DelfinGroup and its competitors.
Is DelfinGroup's Effective Interest Rate on Debt % too high?
DelfinGroup's current Effective Interest Rate on Debt % is 10.73%. Overall, DelfinGroup has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does DelfinGroup's Effective Interest Rate on Debt % compare to V and MA?
DelfinGroup's Effective Interest Rate on Debt % of 10.73% 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 DelfinGroup and its competitors. DelfinGroup's current Effective Interest Rate on Debt % is 10.73%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DelfinGroup stock overvalued right now?
DelfinGroup (FRA:ON0) has a current Effective Interest Rate on Debt % of 10.73%. The stock's GF Value™ is €1.73, compared to a current price of €1.52 — trading 12.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 10.73%. DelfinGroup's overall GF Score™ is 62/100 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 DelfinGroup (FRA:ON0), the current Effective Interest Rate on Debt % is 10.73% 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 DelfinGroup (FRA:ON0) Overvalued in 2026?
Based on GuruFocus' analysis, DelfinGroup stock appears to be undervalued.
The current stock price of €1.52 is trading 12.1% below its estimated GF Value™ of €1.73.
Key valuation signals for FRA:ON0:
Effective Interest Rate on Debt %: 10.73%
GF Value™: €1.73 vs. price of €1.52 (12.1% below fair value)
No single metric tells the full story. See the FRA:ON0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
DelfinGroup is a Latvian fintech company that offers finance and pawn services. The operating segments of the group are: Pawn loan segment includes handling pawn loan issuance, sale of pawn shop items in the branches, and online. The retail of pre-owned goods segment includes the sale of pre-owned goods in the branches and online, purchased by customers. Consumer loan segment includes handling consumer loans to customers, debt collection activities, and debt sales to external debt collection companies. The other operations segment includes providing loans for real estate development, general administrative services to the companies of the Group, and transactions with related parties.
62GF Score
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