UTime (FXHO) Effective Interest Rate on Debt %: 4.53% (As of Sep. 2025)


FXHO UTime Ltd FXHO
18 GF Score
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What is UTime Effective Interest Rate on Debt %?

UTime FXHO +41.18% 18 Effective Interest Rate on Debt % is 4.53% as of Sep. 2025. GuruFocus rates FXHO with a GF Score™ of 18/100. The stock has 8 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. UTime's annualized positive value of Interest Expense for the quarter that ended in Sep. 2025 was $0.47 Mil. UTime's average total debt for the quarter that ended in Sep. 2025 was $10.37 Mil. Therefore, UTime's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 was 4.53%.

UTime  (NAS:FXHO) Effective Interest Rate on Debt % Explanation

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

UTime Effective Interest Rate on Debt % Related Terms

UTime Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for UTime'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.

UTime Effective Interest Rate on Debt % Chart

UTime Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only 8.17 9.81 8.52 4.70 5.47

UTime Semi-Annual Data
Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25
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 5.29 4.71 4.99 5.90 4.53

FXHO vs GMEX, BOXL, WLDS: Effective Interest Rate on Debt % Comparison

For the Consumer Electronics subindustry, UTime'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.

UTime Effective Interest Rate on Debt % vs Hardware Industry

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

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


FXHO
18GF Score
UTime Ltd FXHO
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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UTime Effective Interest Rate on Debt % Calculation

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

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2024 )+Total Debt  (A: Mar. 2025 ))/ count )
=-1  *  -0.542/( (10.252+9.56)/ 2 )
=-1  *  -0.542/9.906
=5.47 %

where

Total Debt  (A: Mar. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.396 + 8.856
=10.252

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.051 + 8.509
=9.56

UTime's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2025 )+Total Debt  (Q: Sep. 2025 ))/ count )
=-1  *  -0.47/( (9.56+11.18)/ 2 )
=-1  *  -0.47/10.37
=4.53 %

where

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.051 + 8.509
=9.56

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.943 + 10.237
=11.18

* 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 (Sep. 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 4.53% mean?
UTime (FXHO) has a Effective Interest Rate on Debt % of 4.53% as of Sep. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on UTime and its competitors.
Is UTime's Effective Interest Rate on Debt % too high?
UTime's current Effective Interest Rate on Debt % is 4.53%. Overall, UTime has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does UTime's Effective Interest Rate on Debt % compare to GMEX and BOXL?
UTime's Effective Interest Rate on Debt % of 4.53% can be compared against companies in the Hardware 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 Hardware company?
A good Effective Interest Rate on Debt % depends on the Hardware 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 UTime and its competitors. UTime's current Effective Interest Rate on Debt % is 4.53%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UTime stock overvalued right now?
UTime (FXHO) has a current Effective Interest Rate on Debt % of 4.53%. The current Effective Interest Rate on Debt % is 4.53%. UTime's overall GF Score™ is 18/100 with 8 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 UTime (FXHO), the current Effective Interest Rate on Debt % is 4.53% as of Sep. 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.

UTime Business Description

Address No. 1006 Keyuan Road, 7th Floor, Room 702, Building 5A, Shenzhen Software Industry Base, Nanshan District, Shenzhen, CHN, 518061
UTime Ltd is engaged in the design, development, production, sales and brand operation of mobile phones, accessories and related consumer electronics. It also provides Electronics Manufacturing Services (EMS), including Original Equipment Manufacturer (OEM) and Original Design Manufacturer (ODM) services, for renowned brands. The company operates in China and its products are sold globally, including Mexico, Brazil, the United States, and other emerging markets in South Asia and Africa as well as Europe. It has two in-house brands, UTime, known as its middle-to-high end label and targets middle class consumers from emerging markets; as its low- to mid-end brand, is positioned to the grassroots consumers and price-sensitive consumers in emerging markets.
18GF Score

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

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