Schwalbchen Molkerei Jakob Berz AG (FRA:SMB) Effective Interest Rate on Debt %: 13.09% (As of Dec. 2025)

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FRA:SMB Schwalbchen Molkerei Jakob Berz AG FRA:SMB
76 GF Score
Price €45.00
GF Value €42.67
Valuation Fairly Valued
! 3 Warning Signs
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What is Schwalbchen Molkerei Jakob Berz AG Effective Interest Rate on Debt %?

Schwalbchen Molkerei Jakob Berz AG FRA:SMB 76 Effective Interest Rate on Debt % is 13.09% as of Dec. 2025. GuruFocus rates FRA:SMB with a GF Score™ of 76/100 and a GF Value™ of €42.67 (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. Schwalbchen Molkerei Jakob Berz AG's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.3 Mil. Schwalbchen Molkerei Jakob Berz AG's average total debt for the quarter that ended in Dec. 2025 was €2.2 Mil. Therefore, Schwalbchen Molkerei Jakob Berz AG's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 13.09%.


Schwalbchen Molkerei Jakob Berz AG  (FRA:SMB) Effective Interest Rate on Debt % Explanation

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


Schwalbchen Molkerei Jakob Berz AG Effective Interest Rate on Debt % Related Terms


Schwalbchen Molkerei Jakob Berz AG Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Schwalbchen Molkerei Jakob Berz AG'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.

Schwalbchen Molkerei Jakob Berz AG Effective Interest Rate on Debt % Chart

Schwalbchen Molkerei Jakob Berz AG 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 6.09 6.87 8.71 11.54 13.09

Schwalbchen Molkerei Jakob Berz AG Semi-Annual Data
Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 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 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 6.09 6.87 8.71 11.54 13.09

FRA:SMB vs KHC, GIS, HRL: Effective Interest Rate on Debt % Comparison

For the Packaged Foods subindustry, Schwalbchen Molkerei Jakob Berz AG'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.


Schwalbchen Molkerei Jakob Berz AG Effective Interest Rate on Debt % vs Consumer Packaged Goods Industry

For the Consumer Packaged Goods industry and Consumer Defensive sector, Schwalbchen Molkerei Jakob Berz AG's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Schwalbchen Molkerei Jakob Berz AG's Effective Interest Rate on Debt % falls into.


FRA:SMB
76GF Score
Schwalbchen Molkerei Jakob Berz AG FRA:SMB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Schwalbchen Molkerei Jakob Berz AG Effective Interest Rate on Debt % Calculation

Schwalbchen Molkerei Jakob Berz AG'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  *  -0.283/( (2.442+1.882)/ 2 )
=-1  *  -0.283/2.162
=13.09 %

where

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.48 + 1.402
=1.882

Schwalbchen Molkerei Jakob Berz AG'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: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -0.283/( (2.442+1.882)/ 2 )
=-1  *  -0.283/2.162
=13.09 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.48 + 1.402
=1.882

* 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 one times the 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 13.09% mean?
Schwalbchen Molkerei Jakob Berz AG (FRA:SMB) has a Effective Interest Rate on Debt % of 13.09% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Schwalbchen Molkerei Jakob Berz AG and its competitors.
Is Schwalbchen Molkerei Jakob Berz AG's Effective Interest Rate on Debt % too high?
Schwalbchen Molkerei Jakob Berz AG's current Effective Interest Rate on Debt % is 13.09%. Overall, Schwalbchen Molkerei Jakob Berz AG has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Schwalbchen Molkerei Jakob Berz AG's Effective Interest Rate on Debt % compare to KHC and GIS?
Schwalbchen Molkerei Jakob Berz AG's Effective Interest Rate on Debt % of 13.09% can be compared against companies in the Consumer Packaged Goods 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 Consumer Packaged Goods company?
A good Effective Interest Rate on Debt % depends on the Consumer Packaged Goods 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 Schwalbchen Molkerei Jakob Berz AG and its competitors. Schwalbchen Molkerei Jakob Berz AG's current Effective Interest Rate on Debt % is 13.09%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Schwalbchen Molkerei Jakob Berz AG stock overvalued right now?
Based on GuruFocus' analysis, Schwalbchen Molkerei Jakob Berz AG (FRA:SMB) is currently considered Fairly Valued. The stock's GF Value™ is €42.67, compared to a current price of €45.00 — trading 5.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 13.09%. Schwalbchen Molkerei Jakob Berz AG'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 Schwalbchen Molkerei Jakob Berz AG (FRA:SMB), the current Effective Interest Rate on Debt % is 13.09% 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 Schwalbchen Molkerei Jakob Berz AG (FRA:SMB) Overvalued in 2026?

Based on GuruFocus' analysis, Schwalbchen Molkerei Jakob Berz AG stock appears to be overvalued. The current stock price of €45.00 is trading 5.5% above its estimated GF Value™ of €42.67. GuruFocus considers Schwalbchen Molkerei Jakob Berz AG to be Fairly Valued.

Key valuation signals for FRA:SMB:

  • Effective Interest Rate on Debt %: 13.09%
  • GF Value™: €42.67 vs. price of €45.00 (5.5% above fair value)
  • GF Score™: 76/100 with 3 warning signs

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


Schwalbchen Molkerei Jakob Berz AG Business Description

Address Bad Schwalbach, Bad Schwalbach, DEU, 65307
Schwalbchen Molkerei Jakob Berz AG is engaged in processing and distribution of milk and milk products, the wholesale of dairy products and related foodstuffs. The company acts as a regional brand supplier of fresh and long-life milk, as well as fresh produce such as yogurt, whipped cream, sour cream, natural and fruit quark, cream, and sponge cake under the name SCHWALBCHEN. Specialties such as the coffee beverage Caffreddo and ethnic items such as Ayran are marketed nationwide. The company is engaged in the wholesale consumer trade segment.
76GF Score

Get the complete analysis for FRA:SMB

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

€45.00
Price
€42.67
GF Value