Procter & Gamble Co (HAM:PRG) Effective Interest Rate on Debt %: 2.44% (As of Mar. 2026)


HAM:PRG Procter & Gamble Co HAM:PRG
85 GF Score
Price €129.26
GF Value €147.91
Valuation Modestly Undervalued
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What is Procter & Gamble Co Effective Interest Rate on Debt %?

Procter & Gamble Co HAM:PRG +0.58% 85 Effective Interest Rate on Debt % is 2.44% as of Mar. 2026. GuruFocus rates HAM:PRG with a GF Score™ of 85/100 and a GF Value™ of €147.91 (Modestly Undervalued).

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. Procter & Gamble Co's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €772 Mil. Procter & Gamble Co's average total debt for the quarter that ended in Mar. 2026 was €31,659 Mil. Therefore, Procter & Gamble Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 2.44%.


Procter & Gamble Co  (HAM:PRG) Effective Interest Rate on Debt % Explanation

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


Procter & Gamble Co Effective Interest Rate on Debt % Related Terms


Procter & Gamble Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Procter & Gamble Co'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.

Procter & Gamble Co Effective Interest Rate on Debt % Chart

Procter & Gamble Co 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 1.42 1.44 2.21 2.70 2.55

Procter & Gamble Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 2.48 2.36 2.19 2.43 2.44

HAM:PRG vs CL, KVUE, KMB: Effective Interest Rate on Debt % Comparison

For the Household & Personal Products subindustry, Procter & Gamble Co'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.


Procter & Gamble Co Effective Interest Rate on Debt % vs Consumer Packaged Goods Industry

For the Consumer Packaged Goods industry and Consumer Defensive sector, Procter & Gamble Co's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Procter & Gamble Co's Effective Interest Rate on Debt % falls into.


HAM:PRG
85GF Score
Procter & Gamble Co HAM:PRG
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Procter & Gamble Co Effective Interest Rate on Debt % Calculation

Procter & Gamble Co'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  *  -786.369/( (30999.801+30746.421)/ 2 )
=-1  *  -786.369/30873.111
=2.55 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=24093.615 + 6906.186
=30999.801

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=22278.432 + 8467.989
=30746.421

Procter & Gamble Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -771.58/( (31289.706+32027.49)/ 2 )
=-1  *  -771.58/31658.598
=2.44 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=21842.758 + 9446.948
=31289.706

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=20631.98 + 11395.51
=32027.49

* 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 four times the quarterly (Mar. 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 2.44% mean?
Procter & Gamble Co (HAM:PRG) has a Effective Interest Rate on Debt % of 2.44% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Procter & Gamble Co and its competitors.
Is Procter & Gamble Co's Effective Interest Rate on Debt % too high?
Procter & Gamble Co's current Effective Interest Rate on Debt % is 2.44%. Overall, Procter & Gamble Co has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Procter & Gamble Co's Effective Interest Rate on Debt % compare to CL and KVUE?
Procter & Gamble Co's Effective Interest Rate on Debt % of 2.44% can be compared against companies in the Consumer Packaged Goods 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 Consumer Packaged Goods company?
A good Effective Interest Rate on Debt % depends on the Consumer Packaged Goods 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 Procter & Gamble Co and its competitors. Procter & Gamble Co's current Effective Interest Rate on Debt % is 2.44%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Procter & Gamble Co stock overvalued right now?
Based on GuruFocus' analysis, Procter & Gamble Co (HAM:PRG) is currently considered Modestly Undervalued. The stock's GF Value™ is €147.91, compared to a current price of €129.26 — trading 12.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 2.44%. Procter & Gamble Co's overall GF Score™ is 85/100. 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 Procter & Gamble Co (HAM:PRG), the current Effective Interest Rate on Debt % is 2.44% as of Mar. 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 Procter & Gamble Co (HAM:PRG) Overvalued in 2026?

Based on GuruFocus' analysis, Procter & Gamble Co stock appears to be undervalued. The current stock price of €129.26 is trading 12.6% below its estimated GF Value™ of €147.91. GuruFocus considers Procter & Gamble Co to be Modestly Undervalued.

Key valuation signals for HAM:PRG:

  • Effective Interest Rate on Debt %: 2.44%
  • GF Value™: €147.91 vs. price of €129.26 (12.6% below fair value)
  • GF Score™: 85/100

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


Procter & Gamble Co Business Description

Address One Procter and Gamble Plaza, Cincinnati, OH, USA, 45202
Since its founding in 1837, Procter & Gamble has become one of the world's largest consumer product manufacturers, with annual sales of nearly $85 billion. It operates with a lineup of leading brands, including more than 20 that generate annual global sales of more than $1 billion each, such as Tide laundry detergent, Charmin toilet paper, Pantene shampoo, and Pampers diapers. Sales outside its home turf represent just more than half of the firm's consolidated total.
85GF Score

Get the complete analysis for HAM:PRG

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

€129.26
Price
€147.91
GF Value