Apranga APB (FRA:WHX) Effective Interest Rate on Debt %: 3.18% (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:WHX Apranga APB FRA:WHX
83 GF Score
Price €3.90
GF Value €3.41
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Apranga APB Effective Interest Rate on Debt %?

Apranga APB FRA:WHX 83 Effective Interest Rate on Debt % is 3.18% as of Mar. 2026. GuruFocus rates FRA:WHX with a GF Score™ of 83/100 and a GF Value™ of €3.41 (Modestly Overvalued). The stock has 5 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. Apranga APB's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €1.9 Mil. Apranga APB's average total debt for the quarter that ended in Mar. 2026 was €61.3 Mil. Therefore, Apranga APB's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.18%.


Apranga APB  (FRA:WHX) Effective Interest Rate on Debt % Explanation

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


Apranga APB Effective Interest Rate on Debt % Related Terms


Apranga APB Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Apranga APB'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.

Apranga APB Effective Interest Rate on Debt % Chart

Apranga APB 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 1.63 1.88 2.43 2.98 3.21

Apranga APB 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 2.94 3.09 3.19 3.32 3.18

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

For the Apparel Retail subindustry, Apranga APB'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.


Apranga APB Effective Interest Rate on Debt % vs Retail - Cyclical Industry

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

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


FRA:WHX
83GF Score
Apranga APB FRA:WHX
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Apranga APB Effective Interest Rate on Debt % Calculation

Apranga APB'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  *  -2.014/( (62.652+62.649)/ 2 )
=-1  *  -2.014/62.6505
=3.21 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=48.074 + 14.578
=62.652

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=47.07 + 15.579
=62.649

Apranga APB'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  *  -1.948/( (62.649+59.978)/ 2 )
=-1  *  -1.948/61.3135
=3.18 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=47.07 + 15.579
=62.649

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=44.033 + 15.945
=59.978

* 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 3.18% mean?
Apranga APB (FRA:WHX) has a Effective Interest Rate on Debt % of 3.18% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Apranga APB and its competitors.
Is Apranga APB's Effective Interest Rate on Debt % too high?
Apranga APB's current Effective Interest Rate on Debt % is 3.18%. Overall, Apranga APB has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Apranga APB's Effective Interest Rate on Debt % compare to TJX and ROST?
Apranga APB's Effective Interest Rate on Debt % of 3.18% 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 Apranga APB and its competitors. Apranga APB's current Effective Interest Rate on Debt % is 3.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Apranga APB stock overvalued right now?
Based on GuruFocus' analysis, Apranga APB (FRA:WHX) is currently considered Modestly Overvalued. The stock's GF Value™ is €3.41, compared to a current price of €3.90 — trading 14.4% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.18%. Apranga APB's overall GF Score™ is 83/100 with 5 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 Apranga APB (FRA:WHX), the current Effective Interest Rate on Debt % is 3.18% 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 Apranga APB (FRA:WHX) Overvalued in 2026?

Based on GuruFocus' analysis, Apranga APB stock appears to be overvalued. The current stock price of €3.90 is trading 14.4% above its estimated GF Value™ of €3.41. GuruFocus considers Apranga APB to be Modestly Overvalued.

Key valuation signals for FRA:WHX:

  • Effective Interest Rate on Debt %: 3.18%
  • GF Value™: €3.41 vs. price of €3.90 (14.4% above fair value)
  • GF Score™: 83/100 with 5 warning signs

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


Apranga APB Business Description

Other Exchanges APG1L:Lithuania
Address Ukmerges Street 362, Vilnius, LTU, 14311
Apranga APB is a fashion retailer in the Baltic States that has partnerships with various European and international brands. The company operates and utilizes retail multi-brand stores, such as Apranga, Aprangos galerija, City, and Mados Linija, etc, and e-commerce platforms (owned and third party) to sell clothes, footwear, and other related accessories. It serves key markets such as Lithuania, Latvia, and Estonia and represents different customer groups according to the main retail segments of its activities: Economy, Youth, Business, Luxury, Zara, Outlets, and Footwear. The Company's reportable segments include Lithuania, which derives maximum revenue, Latvia, and Estonia.
83GF Score

Get the complete analysis for FRA:WHX

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

€3.90
Price
€3.41
GF Value