Brilliance China Automotive Holdings (HAM:CBA) Effective Interest Rate on Debt %: 1.26% (As of Dec. 2025)


HAM:CBA Brilliance China Automotive Holdings Ltd HAM:CBA
70 GF Score
Price €0.22
GF Value €0.48
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Brilliance China Automotive Holdings Effective Interest Rate on Debt %?

Brilliance China Automotive Holdings HAM:CBA -0.09% 70 Effective Interest Rate on Debt % is 1.26% as of Dec. 2025. GuruFocus rates HAM:CBA with a GF Score™ of 70/100 and a GF Value™ of €0.48 (Significantly Undervalued). 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. Brilliance China Automotive Holdings's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.6 Mil. Brilliance China Automotive Holdings's average total debt for the quarter that ended in Dec. 2025 was €45.1 Mil. Therefore, Brilliance China Automotive Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 1.26%.


Brilliance China Automotive Holdings  (HAM:CBA) Effective Interest Rate on Debt % Explanation

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


Brilliance China Automotive Holdings Effective Interest Rate on Debt % Related Terms


Brilliance China Automotive Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Brilliance China Automotive 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.

Brilliance China Automotive Holdings Effective Interest Rate on Debt % Chart

Brilliance China Automotive Holdings 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 2.61 0.68 0.20 0.39 0.99

Brilliance China Automotive 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 0.12 0.16 0.74 1.05 1.26

HAM:CBA vs TSLA, GM, F: Effective Interest Rate on Debt % Comparison

For the Auto Manufacturers subindustry, Brilliance China Automotive 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.


Brilliance China Automotive Holdings Effective Interest Rate on Debt % vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, Brilliance China Automotive Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


HAM:CBA
70GF Score
Brilliance China Automotive Holdings Ltd HAM:CBA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Brilliance China Automotive Holdings Effective Interest Rate on Debt % Calculation

Brilliance China Automotive Holdings'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  *  -0.672/( (96.054+39.264)/ 2 )
=-1  *  -0.672/67.659
=0.99 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=13.428 + 82.626
=96.054

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.664 + 27.6
=39.264

Brilliance China Automotive 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  *  -0.57/( (51.006+39.264)/ 2 )
=-1  *  -0.57/45.135
=1.26 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.683 + 39.323
=51.006

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.664 + 27.6
=39.264

* 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 1.26% mean?
Brilliance China Automotive Holdings (HAM:CBA) has a Effective Interest Rate on Debt % of 1.26% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Brilliance China Automotive Holdings and its competitors.
Is Brilliance China Automotive Holdings' Effective Interest Rate on Debt % too high?
Brilliance China Automotive Holdings' current Effective Interest Rate on Debt % is 1.26%. Overall, Brilliance China Automotive Holdings has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Brilliance China Automotive Holdings' Effective Interest Rate on Debt % compare to TSLA and GM?
Brilliance China Automotive Holdings' Effective Interest Rate on Debt % of 1.26% can be compared against companies in the Vehicles & Parts 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 Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts 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 Brilliance China Automotive Holdings and its competitors. Brilliance China Automotive Holdings's current Effective Interest Rate on Debt % is 1.26%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Brilliance China Automotive Holdings stock overvalued right now?
Based on GuruFocus' analysis, Brilliance China Automotive Holdings (HAM:CBA) is currently considered Significantly Undervalued. The stock's GF Value™ is €0.48, compared to a current price of €0.22 — trading 53.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 1.26%. Brilliance China Automotive Holdings' overall GF Score™ is 70/100 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 Brilliance China Automotive Holdings (HAM:CBA), the current Effective Interest Rate on Debt % is 1.26% 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 Brilliance China Automotive Holdings (HAM:CBA) Overvalued in 2026?

Based on GuruFocus' analysis, Brilliance China Automotive Holdings stock appears to be undervalued. The current stock price of €0.22 is trading 53.4% below its estimated GF Value™ of €0.48. GuruFocus considers Brilliance China Automotive Holdings to be Significantly Undervalued.

Key valuation signals for HAM:CBA:

  • Effective Interest Rate on Debt %: 1.26%
  • GF Value™: €0.48 vs. price of €0.22 (53.4% below fair value)
  • GF Score™: 70/100 with 4 warning signs

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


Brilliance China Automotive Holdings Business Description

Address 2 Murray Road, Unit 3303, 33rd Floor, The Henderson, Central, Hong Kong, HKG
Brilliance China Automotive Holdings Ltd is a provincial state-owned enterprise that manufactures passenger vehicles, minibuses, and automotive components. The company's operating profits come from the passenger vehicle joint venture with BMW. The activities of the Company and its subsidiaries are the manufacture and sale of BMW vehicles and components in the PRC through its associate, BMW Brilliance Automotive Ltd. The company is also engaged in the manufacture and sale of non-BMW vehicles and automotive components through its other subsidiaries.
70GF Score

Get the complete analysis for HAM:CBA

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

€0.22
Price
€0.48
GF Value