Shandong International Trust Co (HKSE:01697) Effective Interest Rate on Debt %: 12.59% (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HKSE:01697 Shandong International Trust Co Ltd HKSE:01697
45 GF Score
Price HK$0.23
GF Value HK$0.37
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is Shandong International Trust Co Effective Interest Rate on Debt %?

Shandong International Trust Co HKSE:01697 -0.43% 45 Effective Interest Rate on Debt % is 12.59% as of Jun. 2026. GuruFocus rates HKSE:01697 with a GF Score™ of 45/100 and a GF Value™ of HK$0.37 (Possible Value Trap). 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. Shandong International Trust Co's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was HK$55.9 Mil. Shandong International Trust Co's average total debt for the quarter that ended in Jun. 2026 was HK$443.8 Mil. Therefore, Shandong International Trust Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 12.59%.


Shandong International Trust Co  (HKSE:01697) Effective Interest Rate on Debt % Explanation

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


Shandong International Trust Co Effective Interest Rate on Debt % Related Terms


Shandong International Trust Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Shandong International Trust 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.

Shandong International Trust Co Effective Interest Rate on Debt % Chart

Shandong International Trust Co 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 64.45 7.26 5.89 7.88 36.13

Shandong International Trust Co 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 7.34 10.51 25.57 93.84 12.59

HKSE:01697 vs BLK, BX, KKR: Effective Interest Rate on Debt % Comparison

For the Asset Management subindustry, Shandong International Trust 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.


Shandong International Trust Co Effective Interest Rate on Debt % vs Asset Management Industry

For the Asset Management industry and Financial Services sector, Shandong International Trust Co's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Shandong International Trust Co's Effective Interest Rate on Debt % falls into.


HKSE:01697
45GF Score
Shandong International Trust Co Ltd HKSE:01697
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Shandong International Trust Co Effective Interest Rate on Debt % Calculation

Shandong International Trust Co'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  *  -58.01/( (316.916+4.176)/ 2 )
=-1  *  -58.01/160.546
=36.13 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=17.45 + 299.466
=316.916

Shandong International Trust Co'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  *  -55.892/( (4.176+883.491)/ 2 )
=-1  *  -55.892/443.8335
=12.59 %

where

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=67.886 + 815.605
=883.491

* 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 12.59% mean?
Shandong International Trust Co (HKSE:01697) has a Effective Interest Rate on Debt % of 12.59% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Shandong International Trust Co and its competitors.
Is Shandong International Trust Co's Effective Interest Rate on Debt % too high?
Shandong International Trust Co's current Effective Interest Rate on Debt % is 12.59%. Overall, Shandong International Trust Co has a GF Score™ of 45/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Shandong International Trust Co's Effective Interest Rate on Debt % compare to BLK and BX?
Shandong International Trust Co's Effective Interest Rate on Debt % of 12.59% can be compared against companies in the Asset Management 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 an Asset Management company?
A good Effective Interest Rate on Debt % depends on the Asset Management 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 Shandong International Trust Co and its competitors. Shandong International Trust Co's current Effective Interest Rate on Debt % is 12.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shandong International Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Shandong International Trust Co (HKSE:01697) is currently considered Possible Value Trap. The stock's GF Value™ is HK$0.37, compared to a current price of HK$0.23 — trading 36.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 12.59%. Shandong International Trust Co's overall GF Score™ is 45/100 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 Shandong International Trust Co (HKSE:01697), the current Effective Interest Rate on Debt % is 12.59% 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 Shandong International Trust Co (HKSE:01697) Overvalued in 2026?

Based on GuruFocus' analysis, Shandong International Trust Co stock appears to be undervalued. The current stock price of HK$0.23 is trading 36.8% below its estimated GF Value™ of HK$0.37. GuruFocus considers Shandong International Trust Co to be Possible Value Trap.

Key valuation signals for HKSE:01697:

  • Effective Interest Rate on Debt %: 12.59%
  • GF Value™: HK$0.37 vs. price of HK$0.23 (36.8% below fair value)
  • GF Score™: 45/100 with 4 warning signs

No single metric tells the full story. See the HKSE:01697 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Shandong International Trust Co Business Description

Address No. 2788 Aoti West Road, Partial area of 1/F, 2/F and 13/F, 32-35/F and 40/F, Tower A, Lixia District, Shandong Province, Jinan, CHN, 250101
Shandong International Trust Co Ltd is a China-based trustee operating across three business divisions: capital markets, wealth management, and family trust. Its business is categorized into the following segments: Trust business and Proprietary business. Maximum revenue is generated from the Trust business, in which the Group accepts entrustment of funds and/or property from its trustor clients and manages such entrusted funds and/or property to satisfy its trustor clients' investment and wealth management needs, as well as its counterparty clients' financing needs. The Proprietary business focuses on allocating its proprietary assets into different asset classes and investing in businesses with strategic value to its trust business to maintain and increase the value of its assets.
45GF Score

Get the complete analysis for HKSE:01697

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

HK$0.23
Price
HK$0.37
GF Value