Youzan Technology (FRA:YSZ0) Effective Interest Rate on Debt %: 6.23% (As of Jun. 2026)

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FRA:YSZ0 Youzan Technology Ltd FRA:YSZ0
63 GF Score
Price €0.10
GF Value €0.27
Valuation Possible Value Trap
! 5 Warning Signs
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What is Youzan Technology Effective Interest Rate on Debt %?

Youzan Technology FRA:YSZ0 -2.56% 63 Effective Interest Rate on Debt % is 6.23% as of Jun. 2026. GuruFocus rates FRA:YSZ0 with a GF Score™ of 63/100 and a GF Value™ of €0.27 (Possible Value Trap). 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. Youzan Technology's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was €2.1 Mil. Youzan Technology's average total debt for the quarter that ended in Jun. 2026 was €33.7 Mil. Therefore, Youzan Technology's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 6.23%.


Youzan Technology  (FRA:YSZ0) Effective Interest Rate on Debt % Explanation

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


Youzan Technology Effective Interest Rate on Debt % Related Terms


Youzan Technology Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Youzan Technology'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.

Youzan Technology Effective Interest Rate on Debt % Chart

Youzan Technology 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 9.19 5.99 4.77 4.93 4.50

Youzan Technology Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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 3.41 5.99 4.55 4.65 6.23

FRA:YSZ0 vs QH, SHOP, UBER: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, Youzan Technology'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.


Youzan Technology Effective Interest Rate on Debt % vs Software Industry

For the Software industry and Technology sector, Youzan Technology's Effective Interest Rate on Debt % distribution charts can be found below:

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


FRA:YSZ0
63GF Score
Youzan Technology Ltd FRA:YSZ0
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Youzan Technology Effective Interest Rate on Debt % Calculation

Youzan Technology'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  *  -2.332/( (54.019+49.666)/ 2 )
=-1  *  -2.332/51.8425
=4.50 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=51.345 + 2.674
=54.019

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=47.125 + 2.541
=49.666

Youzan Technology's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -2.1/( (49.666+17.701)/ 2 )
=-1  *  -2.1/33.6835
=6.23 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=47.125 + 2.541
=49.666

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=15.193 + 2.508
=17.701

* 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 (Jun. 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 6.23% mean?
Youzan Technology (FRA:YSZ0) has a Effective Interest Rate on Debt % of 6.23% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Youzan Technology and its competitors.
Is Youzan Technology's Effective Interest Rate on Debt % too high?
Youzan Technology's current Effective Interest Rate on Debt % is 6.23%. Overall, Youzan Technology has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Youzan Technology's Effective Interest Rate on Debt % compare to QH and SHOP?
Youzan Technology's Effective Interest Rate on Debt % of 6.23% can be compared against companies in the Software 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 Software company?
A good Effective Interest Rate on Debt % depends on the Software 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 Youzan Technology and its competitors. Youzan Technology's current Effective Interest Rate on Debt % is 6.23%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Youzan Technology stock overvalued right now?
Based on GuruFocus' analysis, Youzan Technology (FRA:YSZ0) is currently considered Possible Value Trap. The stock's GF Value™ is €0.27, compared to a current price of €0.10 — trading 63.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 6.23%. Youzan Technology's overall GF Score™ is 63/100 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 Youzan Technology (FRA:YSZ0), the current Effective Interest Rate on Debt % is 6.23% as of Jun. 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 Youzan Technology (FRA:YSZ0) Overvalued in 2026?

Based on GuruFocus' analysis, Youzan Technology stock appears to be undervalued. The current stock price of €0.10 is trading 63.3% below its estimated GF Value™ of €0.27. GuruFocus considers Youzan Technology to be Possible Value Trap.

Key valuation signals for FRA:YSZ0:

  • Effective Interest Rate on Debt %: 6.23%
  • GF Value™: €0.27 vs. price of €0.10 (63.3% below fair value)
  • GF Score™: 63/100 with 5 warning signs

No single metric tells the full story. See the FRA:YSZ0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Youzan Technology Business Description

Other Exchanges 06051:Hong Kong
Address No. 6-8 Harbour Road, Unit 1511, 15th Floor, Shui On Centre, Wan Chai, Hong Kong, HKG
Youzan Technology Ltd formerly China Youzan Ltd is an investment holding company. The firm operates in the following segments: Third-party payment services, Merchant services, and others. The business activity of the organization generally functions through one geographical region, which is China and it derives the majority of its revenue from the merchant services segment, which engages in the provision of a variety of SaaS products and comprehensive services in China. The company offers a variety of cloud-based commerce services to merchants through subscription solutions, and a suite of SaaS products. Geographically, it operates in the PRC, Canada, USA and Japan, of which it derives maximum revenue from the PRC.
63GF Score

Get the complete analysis for FRA:YSZ0

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

€0.10
Price
€0.27
GF Value