HROGF (Hirogin Holdings) Effective Interest Rate on Debt %: 4.62% (As of Mar. 2026)


HROGF Hirogin Holdings Inc HROGF
62 GF Score
Price $6.82
GF Value $4.49
! 6 Warning Signs
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What is Hirogin Holdings Effective Interest Rate on Debt %?

Hirogin Holdings HROGF 62 Effective Interest Rate on Debt % is 4.62% as of Mar. 2026. GuruFocus rates HROGF with a GF Score™ of 62/100 and a GF Value™ of $4.49. The stock has 6 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. Hirogin Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $398 Mil. Hirogin Holdings's average total debt for the quarter that ended in Mar. 2026 was $8,623 Mil. Therefore, Hirogin Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.62%.


Hirogin Holdings  (OTCPK:HROGF) Effective Interest Rate on Debt % Explanation

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


Hirogin Holdings Effective Interest Rate on Debt % Related Terms


Hirogin Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Hirogin 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.

Hirogin Holdings Effective Interest Rate on Debt % Chart

Hirogin Holdings Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.34 1.72 1.98 2.15 3.76

Hirogin Holdings 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 2.96 3.39 3.73 3.72 4.62

Hirogin Holdings Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Hirogin 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.


Hirogin Holdings Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Hirogin Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


HROGF
62GF Score
Hirogin Holdings Inc HROGF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Hirogin Holdings Effective Interest Rate on Debt % Calculation

Hirogin Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2025 )+Total Debt  (A: Mar. 2026 ))/ count )
=-1  *  -334.542/( (9685.061+8115.957)/ 2 )
=-1  *  -334.542/8900.509
=3.76 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9685.061 + 0
=9685.061

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8115.957 + 0
=8115.957

Hirogin Holdings'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  *  -398.128/( (9129.795+8115.957)/ 2 )
=-1  *  -398.128/8622.876
=4.62 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9129.795 + 0
=9129.795

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8115.957 + 0
=8115.957

* 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 4.62% mean?
Hirogin Holdings (HROGF) has a Effective Interest Rate on Debt % of 4.62% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Hirogin Holdings and its competitors.
Is Hirogin Holdings' Effective Interest Rate on Debt % too high?
Hirogin Holdings' current Effective Interest Rate on Debt % is 4.62%. Overall, Hirogin Holdings has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Hirogin Holdings' Effective Interest Rate on Debt % compare to competitors?
Hirogin Holdings' Effective Interest Rate on Debt % of 4.62% can be compared against companies in the Banks 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 Banks company?
A good Effective Interest Rate on Debt % depends on the Banks 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 Hirogin Holdings and its competitors. Hirogin Holdings's current Effective Interest Rate on Debt % is 4.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hirogin Holdings stock overvalued right now?
Hirogin Holdings (HROGF) has a current Effective Interest Rate on Debt % of 4.62%. The stock's GF Value™ is $4.49, compared to a current price of $6.82 — trading 51.9% above its estimated fair value. The current Effective Interest Rate on Debt % is 4.62%. Hirogin Holdings' overall GF Score™ is 62/100 with 6 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 Hirogin Holdings (HROGF), the current Effective Interest Rate on Debt % is 4.62% 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 Hirogin Holdings (HROGF) Overvalued in 2026?

Based on GuruFocus' analysis, Hirogin Holdings stock appears to be overvalued. The current stock price of $6.82 is trading 51.9% above its estimated GF Value™ of $4.49.

Key valuation signals for HROGF:

  • Effective Interest Rate on Debt %: 4.62%
  • GF Value™: $4.49 vs. price of $6.82 (51.9% above fair value)
  • GF Score™: 62/100 with 6 warning signs

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


Hirogin Holdings Business Description

Other Exchanges 7337:Japan
Address 1-3-8 Kamiyacho, Naka-ku, Hiroshima, JPN, 730-0031
Hirogin Holdings Inc is a Japan-based company engaged in providing banking and financial services. The group operates through three segments: the Banking Business, which provides deposit, loan, securities investment, and foreign exchange services; the Leasing Business, which focuses on leasing operations; and the Others Business, which includes financial instruments transactions, receivables management and collection services, and IT-related operations.
62GF 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.

$6.82
Price
$4.49
GF Value