K Cash (HKSE:02483) Effective Interest Rate on Debt %: 0.22% (As of Dec. 2025)

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HKSE:02483 K Cash Corp Ltd HKSE:02483
41 GF Score
Price HK$1.78
! 4 Warning Signs
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What is K Cash Effective Interest Rate on Debt %?

K Cash HKSE:02483 41 Effective Interest Rate on Debt % is 0.22% as of Dec. 2025. GuruFocus rates HKSE:02483 with a GF Score™ of 41/100. 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. K Cash's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was HK$1.2 Mil. K Cash's average total debt for the quarter that ended in Dec. 2025 was HK$551.1 Mil. Therefore, K Cash's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.22%.

K Cash  (HKSE:02483) Effective Interest Rate on Debt % Explanation

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

K Cash Effective Interest Rate on Debt % Related Terms

K Cash Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for K Cash'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.

K Cash Effective Interest Rate on Debt % Chart

K Cash Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.14 0.24 0.14 0.35 0.25

K Cash Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only 0.13 0.16 0.55 0.30 0.22

HKSE:02483 vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, K Cash'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.

K Cash Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, K Cash's Effective Interest Rate on Debt % distribution charts can be found below:

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


HKSE:02483
41GF Score
K Cash Corp Ltd HKSE:02483
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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K Cash Effective Interest Rate on Debt % Calculation

K Cash'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  *  -1.38/( (514.681+588.492)/ 2 )
=-1  *  -1.38/551.5865
=0.25 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=372.876 + 141.805
=514.681

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=17.123 + 571.369
=588.492

K Cash'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  *  -1.212/( (513.771+588.492)/ 2 )
=-1  *  -1.212/551.1315
=0.22 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=401.445 + 112.326
=513.771

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=17.123 + 571.369
=588.492

* 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 0.22% mean?
K Cash (HKSE:02483) has a Effective Interest Rate on Debt % of 0.22% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on K Cash and its competitors.
Is K Cash's Effective Interest Rate on Debt % too high?
K Cash's current Effective Interest Rate on Debt % is 0.22%. Overall, K Cash has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does K Cash's Effective Interest Rate on Debt % compare to V and MA?
K Cash's Effective Interest Rate on Debt % of 0.22% can be compared against companies in the Credit Services 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services 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 K Cash and its competitors. K Cash's current Effective Interest Rate on Debt % is 0.22%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is K Cash stock overvalued right now?
K Cash (HKSE:02483) has a current Effective Interest Rate on Debt % of 0.22%. The current Effective Interest Rate on Debt % is 0.22%. K Cash's overall GF Score™ is 41/100 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 K Cash (HKSE:02483), the current Effective Interest Rate on Debt % is 0.22% 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.

K Cash Business Description

Address 20 Pedder Street, 17th Floor, Wheelock House, MTR Central Station Exit D1, Central, Hong Kong, HKG
K Cash Corp Ltd is a moneylender that provides secured and unsecured loan financing to individuals and corporations in Hong Kong. The company offers SME loans, unsecured property owner loans, unsecured personal loans, and credit card advances. The majority of its revenue is generated in the form of interest income from unsecured property owner loans.
41GF 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.

HK$1.78
Price