Woolworths Holdings (FRA:WN3) Effective Interest Rate on Debt %: 9.13% (As of Dec. 2025)


FRA:WN3 Woolworths Holdings Ltd FRA:WN3
74 GF Score
Price €2.68
GF Value €3.69
! 4 Warning Signs
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What is Woolworths Holdings Effective Interest Rate on Debt %?

Woolworths Holdings FRA:WN3 -0.74% 74 Effective Interest Rate on Debt % is 9.13% as of Dec. 2025. GuruFocus rates FRA:WN3 with a GF Score™ of 74/100 and a GF Value™ of €3.69. 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. Woolworths Holdings's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €91 Mil. Woolworths Holdings's average total debt for the quarter that ended in Dec. 2025 was €996 Mil. Therefore, Woolworths Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 9.13%.


Woolworths Holdings  (FRA:WN3) Effective Interest Rate on Debt % Explanation

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


Woolworths Holdings Effective Interest Rate on Debt % Related Terms


Woolworths Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Woolworths Holdings'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.

Woolworths Holdings Effective Interest Rate on Debt % Chart

Woolworths Holdings Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.80 3.57 5.18 9.92 9.21

Woolworths Holdings 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 9.65 10.06 9.57 8.47 9.13

FRA:WN3 vs DDS, M: Effective Interest Rate on Debt % Comparison

For the Department Stores subindustry, Woolworths Holdings'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.


Woolworths Holdings Effective Interest Rate on Debt % vs Retail - Cyclical Industry

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

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


FRA:WN3
74GF Score
Woolworths Holdings Ltd FRA:WN3
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Woolworths Holdings Effective Interest Rate on Debt % Calculation

Woolworths Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -86.166/( (913.216+957.019)/ 2 )
=-1  *  -86.166/935.1175
=9.21 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=754.578 + 158.638
=913.216

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=837.185 + 119.834
=957.019

Woolworths Holdings'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  *  -90.916/( (957.019+1034.377)/ 2 )
=-1  *  -90.916/995.698
=9.13 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=837.185 + 119.834
=957.019

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=901.655 + 132.722
=1034.377

* 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 9.13% mean?
Woolworths Holdings (FRA:WN3) has a Effective Interest Rate on Debt % of 9.13% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Woolworths Holdings and its competitors.
Is Woolworths Holdings' Effective Interest Rate on Debt % too high?
Woolworths Holdings' current Effective Interest Rate on Debt % is 9.13%. Overall, Woolworths Holdings has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does Woolworths Holdings' Effective Interest Rate on Debt % compare to DDS and M?
Woolworths Holdings' Effective Interest Rate on Debt % of 9.13% 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 Woolworths Holdings and its competitors. Woolworths Holdings's current Effective Interest Rate on Debt % is 9.13%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woolworths Holdings stock overvalued right now?
Woolworths Holdings (FRA:WN3) has a current Effective Interest Rate on Debt % of 9.13%. The stock's GF Value™ is €3.69, compared to a current price of €2.68 — trading 27.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 9.13%. Woolworths Holdings' overall GF Score™ is 74/100 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 Woolworths Holdings (FRA:WN3), the current Effective Interest Rate on Debt % is 9.13% 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 Woolworths Holdings (FRA:WN3) Overvalued in 2026?

Based on GuruFocus' analysis, Woolworths Holdings stock appears to be undervalued. The current stock price of €2.68 is trading 27.4% below its estimated GF Value™ of €3.69.

Key valuation signals for FRA:WN3:

  • Effective Interest Rate on Debt %: 9.13%
  • GF Value™: €3.69 vs. price of €2.68 (27.4% below fair value)
  • GF Score™: 74/100 with 4 warning signs

No single metric tells the full story. See the FRA:WN3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Woolworths Holdings Business Description

Other Exchanges WHL:South AfricaWLWHY:USA
Address 93 Longmarket Street, Woolworths House, Cape Town, WC, ZAF, 8001
Woolworths Holdings Ltd is a southern hemisphere retail Group. Its current operations are conducted through its two operating subsidiaries. The segments involve: Fashion, Beauty and Home; Food; Logistics; Woolworths Financial Services; Country Road Group; and Treasury. It derives maximum revenue from Food Segment. Geographically, It operates iun South Africa, Australia and New Zealand and Rest of Africa.
74GF Score

Get the complete analysis for FRA:WN3

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

€2.68
Price
€3.69
GF Value