Directa Sim SpA (FRA:ZP7) Effective Interest Rate on Debt %: 7.04% (As of Dec. 2025)


FRA:ZP7 Directa Sim SpA FRA:ZP7
64 GF Score
Price €7.50
GF Value €6.01
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Directa Sim SpA Effective Interest Rate on Debt %?

Directa Sim SpA FRA:ZP7 64 Effective Interest Rate on Debt % is 7.04% as of Dec. 2025. GuruFocus rates FRA:ZP7 with a GF Score™ of 64/100 and a GF Value™ of €6.01 (Modestly Overvalued). 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. Directa Sim SpA's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €4.24 Mil. Directa Sim SpA's average total debt for the quarter that ended in Dec. 2025 was €60.24 Mil. Therefore, Directa Sim SpA's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 7.04%.


Directa Sim SpA  (FRA:ZP7) Effective Interest Rate on Debt % Explanation

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


Directa Sim SpA Effective Interest Rate on Debt % Related Terms


Directa Sim SpA Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Directa Sim SpA'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.

Directa Sim SpA Effective Interest Rate on Debt % Chart

Directa Sim SpA Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 8.82 5.72 14.93 5.65 5.26

Directa Sim SpA Semi-Annual Data
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 12.27 6.02 4.87 5.15 7.04

FRA:ZP7 vs MS, GS, SCHW: Effective Interest Rate on Debt % Comparison

For the Capital Markets subindustry, Directa Sim SpA'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.


Directa Sim SpA Effective Interest Rate on Debt % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Directa Sim SpA's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Directa Sim SpA's Effective Interest Rate on Debt % falls into.


FRA:ZP7
64GF Score
Directa Sim SpA FRA:ZP7
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Directa Sim SpA Effective Interest Rate on Debt % Calculation

Directa Sim SpA'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  *  -3.349/( (51.278+76.168)/ 2 )
=-1  *  -3.349/63.723
=5.26 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3.091 + 48.187
=51.278

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 76.168
=76.168

Directa Sim SpA'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  *  -4.238/( (44.309+76.168)/ 2 )
=-1  *  -4.238/60.2385
=7.04 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 44.309
=44.309

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 76.168
=76.168

* 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 7.04% mean?
Directa Sim SpA (FRA:ZP7) has a Effective Interest Rate on Debt % of 7.04% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Directa Sim SpA and its competitors.
Is Directa Sim SpA's Effective Interest Rate on Debt % too high?
Directa Sim SpA's current Effective Interest Rate on Debt % is 7.04%. Overall, Directa Sim SpA has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Directa Sim SpA's Effective Interest Rate on Debt % compare to MS and GS?
Directa Sim SpA's Effective Interest Rate on Debt % of 7.04% can be compared against companies in the Capital Markets 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 Capital Markets company?
A good Effective Interest Rate on Debt % depends on the Capital Markets 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 Directa Sim SpA and its competitors. Directa Sim SpA's current Effective Interest Rate on Debt % is 7.04%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Directa Sim SpA stock overvalued right now?
Based on GuruFocus' analysis, Directa Sim SpA (FRA:ZP7) is currently considered Modestly Overvalued. The stock's GF Value™ is €6.01, compared to a current price of €7.50 — trading 24.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 7.04%. Directa Sim SpA's overall GF Score™ is 64/100 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 Directa Sim SpA (FRA:ZP7), the current Effective Interest Rate on Debt % is 7.04% 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 Directa Sim SpA (FRA:ZP7) Overvalued in 2026?

Based on GuruFocus' analysis, Directa Sim SpA stock appears to be overvalued. The current stock price of €7.50 is trading 24.8% above its estimated GF Value™ of €6.01. GuruFocus considers Directa Sim SpA to be Modestly Overvalued.

Key valuation signals for FRA:ZP7:

  • Effective Interest Rate on Debt %: 7.04%
  • GF Value™: €6.01 vs. price of €7.50 (24.8% above fair value)
  • GF Score™: 64/100 with 3 warning signs

No single metric tells the full story. See the FRA:ZP7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Directa Sim SpA Business Description

Other Exchanges D:Italy
Address Via Bruno Buozzi, 5, Torino, ITA, 10121
Directa Sim SpA is an online brokerage firm that allows private investors to operate directly on financial markets. The financial products of the company include Stocks, Bonds, Futures, Funds, Options, and Certificates & CW, among others.
64GF Score

Get the complete analysis for FRA:ZP7

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

€7.50
Price
€6.01
GF Value