IPA Investment Group JSC (HSTC:IPA) Effective Interest Rate on Debt %: 9.22% (As of Mar. 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.

HSTC:IPA IPA Investment Group JSC HSTC:IPA
85 GF Score
Price ₫15,200.00
GF Value ₫23,275.23
Valuation Possible Value Trap
! 5 Warning Signs
View Full Analysis

What is IPA Investment Group JSC Effective Interest Rate on Debt %?

IPA Investment Group JSC HSTC:IPA 85 Effective Interest Rate on Debt % is 9.22% as of Mar. 2026. GuruFocus rates HSTC:IPA with a GF Score™ of 85/100 and a GF Value™ of ₫23,275.23 (Possible Value Trap). The stock has 5 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. IPA Investment Group JSC's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₫525,525 Mil. IPA Investment Group JSC's average total debt for the quarter that ended in Mar. 2026 was ₫5,699,213 Mil. Therefore, IPA Investment Group JSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 9.22%.


IPA Investment Group JSC  (HSTC:IPA) Effective Interest Rate on Debt % Explanation

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


IPA Investment Group JSC Effective Interest Rate on Debt % Related Terms


IPA Investment Group JSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for IPA Investment Group JSC'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.

IPA Investment Group JSC Effective Interest Rate on Debt % Chart

IPA Investment Group JSC Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 7.63 10.52 9.60 9.13 7.56

IPA Investment Group JSC 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 9.41 9.44 9.50 8.75 9.22

HSTC:IPA vs MS, GS, SCHW: Effective Interest Rate on Debt % Comparison

For the Capital Markets subindustry, IPA Investment Group JSC'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.


IPA Investment Group JSC Effective Interest Rate on Debt % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, IPA Investment Group JSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where IPA Investment Group JSC's Effective Interest Rate on Debt % falls into.


HSTC:IPA
85GF Score
IPA Investment Group JSC HSTC:IPA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

IPA Investment Group JSC Effective Interest Rate on Debt % Calculation

IPA Investment Group JSC'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  *  -369885.139/( (3774033.373+6006782.518)/ 2 )
=-1  *  -369885.139/4890407.9455
=7.56 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3661774.34 + 112259.033
=3774033.373

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5660350.594 + 346431.924
=6006782.518

IPA Investment Group JSC'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  *  -525525.02/( (6006782.518+5391643.724)/ 2 )
=-1  *  -525525.02/5699213.121
=9.22 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5660350.594 + 346431.924
=6006782.518

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5049928.813 + 341714.911
=5391643.724

* 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 9.22% mean?
IPA Investment Group JSC (HSTC:IPA) has a Effective Interest Rate on Debt % of 9.22% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on IPA Investment Group JSC and its competitors.
Is IPA Investment Group JSC's Effective Interest Rate on Debt % too high?
IPA Investment Group JSC's current Effective Interest Rate on Debt % is 9.22%. Overall, IPA Investment Group JSC has a GF Score™ of 85/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does IPA Investment Group JSC's Effective Interest Rate on Debt % compare to MS and GS?
IPA Investment Group JSC's Effective Interest Rate on Debt % of 9.22% can be compared against companies in the Capital Markets 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 Capital Markets company?
A good Effective Interest Rate on Debt % depends on the Capital Markets 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 IPA Investment Group JSC and its competitors. IPA Investment Group JSC's current Effective Interest Rate on Debt % is 9.22%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IPA Investment Group JSC stock overvalued right now?
Based on GuruFocus' analysis, IPA Investment Group JSC (HSTC:IPA) is currently considered Possible Value Trap. The stock's GF Value™ is ₫23,275.23, compared to a current price of ₫15,200.00 — trading 34.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 9.22%. IPA Investment Group JSC's overall GF Score™ is 85/100 with 5 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 IPA Investment Group JSC (HSTC:IPA), the current Effective Interest Rate on Debt % is 9.22% 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 IPA Investment Group JSC (HSTC:IPA) Overvalued in 2026?

Based on GuruFocus' analysis, IPA Investment Group JSC stock appears to be undervalued. The current stock price of ₫15,200.00 is trading 34.7% below its estimated GF Value™ of ₫23,275.23. GuruFocus considers IPA Investment Group JSC to be Possible Value Trap.

Key valuation signals for HSTC:IPA:

  • Effective Interest Rate on Debt %: 9.22%
  • GF Value™: ₫23,275.23 vs. price of ₫15,200.00 (34.7% below fair value)
  • GF Score™: 85/100 with 5 warning signs

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


IPA Investment Group JSC Business Description

Address Nguyen Thuong Hien, No. 1, Hai Ba Trung Ward, Hanoi, VNM
IPA Investment Group JSC is a multi-sector investment group building and operating a business ecosystem under the Capability Bank model. It operates diversified business lines directly and/or through subsidiaries, associated companies, and enterprises within the IPA Group ecosystem in Vietnam. The Group's operating business segments are: Financial Services, Investment, Commercial electricity production, Business solutions, F&B, and Others: other services, real estate, goods, etc. The majority of its revenue is derived from its Business solutions and Commercial electricity production segments. These segments offer technology and digital solutions to businesses and engage in construction investment, power facilities development, and the trading of commercial electricity.
85GF Score

Get the complete analysis for HSTC:IPA

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

₫15,200.00
Price
₫23,275.23
GF Value