Sunshine Homes Development JSC (HSTC:SSH) Effective Interest Rate on Debt %: 11.13% (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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HSTC:SSH Sunshine Homes Development JSC HSTC:SSH
51 GF Score
Price ₫61,700.00
GF Value ₫28,605.80
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Sunshine Homes Development JSC Effective Interest Rate on Debt %?

Sunshine Homes Development JSC HSTC:SSH 51 Effective Interest Rate on Debt % is 11.13% as of Mar. 2026. GuruFocus rates HSTC:SSH with a GF Score™ of 51/100 and a GF Value™ of ₫28,605.80 (Significantly Overvalued). The stock has 3 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. Sunshine Homes Development JSC's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₫406,592 Mil. Sunshine Homes Development JSC's average total debt for the quarter that ended in Mar. 2026 was ₫3,651,918 Mil. Therefore, Sunshine Homes Development JSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 11.13%.


Sunshine Homes Development JSC  (HSTC:SSH) Effective Interest Rate on Debt % Explanation

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


Sunshine Homes Development JSC Effective Interest Rate on Debt % Related Terms


Sunshine Homes Development JSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Sunshine Homes Development 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.

Sunshine Homes Development JSC Effective Interest Rate on Debt % Chart

Sunshine Homes Development JSC Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
16.31 11.87 9.05 9.15 10.06

Sunshine Homes Development 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 8.62 10.63 9.97 10.34 11.13

Sunshine Homes Development JSC Effective Interest Rate on Debt % Competitor Comparison

For the Real Estate - Development subindustry, Sunshine Homes Development 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.


Sunshine Homes Development JSC Effective Interest Rate on Debt % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Sunshine Homes Development JSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Sunshine Homes Development JSC's Effective Interest Rate on Debt % falls into.


HSTC:SSH
51GF Score
Sunshine Homes Development JSC HSTC:SSH
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Sunshine Homes Development JSC Effective Interest Rate on Debt % Calculation

Sunshine Homes Development 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  *  -405052.351/( (3926318.5+4123180.107)/ 2 )
=-1  *  -405052.351/4024749.3035
=10.06 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2488729.07 + 1437589.43
=3926318.5

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1978684.3 + 2144495.807
=4123180.107

Sunshine Homes Development 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  *  -406592.436/( (4123180.107+3180656.699)/ 2 )
=-1  *  -406592.436/3651918.403
=11.13 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1978684.3 + 2144495.807
=4123180.107

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1978684.3 + 1201972.399
=3180656.699

* 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 11.13% mean?
Sunshine Homes Development JSC (HSTC:SSH) has a Effective Interest Rate on Debt % of 11.13% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sunshine Homes Development JSC and its competitors.
Is Sunshine Homes Development JSC's Effective Interest Rate on Debt % too high?
Sunshine Homes Development JSC's current Effective Interest Rate on Debt % is 11.13%. Overall, Sunshine Homes Development JSC has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sunshine Homes Development JSC's Effective Interest Rate on Debt % compare to competitors?
Sunshine Homes Development JSC's Effective Interest Rate on Debt % of 11.13% can be compared against companies in the Real Estate 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 Real Estate company?
A good Effective Interest Rate on Debt % depends on the Real Estate 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 Sunshine Homes Development JSC and its competitors. Sunshine Homes Development JSC's current Effective Interest Rate on Debt % is 11.13%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sunshine Homes Development JSC stock overvalued right now?
Based on GuruFocus' analysis, Sunshine Homes Development JSC (HSTC:SSH) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫28,605.80, compared to a current price of ₫61,700.00 — trading 115.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 11.13%. Sunshine Homes Development JSC's overall GF Score™ is 51/100 with 3 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 Sunshine Homes Development JSC (HSTC:SSH), the current Effective Interest Rate on Debt % is 11.13% 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 Sunshine Homes Development JSC (HSTC:SSH) Overvalued in 2026?

Based on GuruFocus' analysis, Sunshine Homes Development JSC stock appears to be overvalued. The current stock price of ₫61,700.00 is trading 115.7% above its estimated GF Value™ of ₫28,605.80. GuruFocus considers Sunshine Homes Development JSC to be Significantly Overvalued.

Key valuation signals for HSTC:SSH:

  • Effective Interest Rate on Debt %: 11.13%
  • GF Value™: ₫28,605.80 vs. price of ₫61,700.00 (115.7% above fair value)
  • GF Score™: 51/100 with 3 warning signs

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


Sunshine Homes Development JSC Business Description

Address 9th Floor, Sunshine Center building, 16 Pham Hung Street, My Dinh 2 Ward, Nam Tu Liem District, Hanoi City, VNM
Sunshine Homes Development JSC is engaged in the development and trading of real estate projects, motor vehicle rental, and management consultancy activities. The Company also conducts real estate business, including land use rights owned, used or leased, finishing of construction works, construction of residential and non-residential buildings, and real estate consultancy, brokerage, and management services. Its projects include Sunshine Marina Mui Ne - Hilltop Hotels & Resorts in Mui Ne Ward, Lam Dong Province; Sunshine Golf & Resort Lang Co in Lang Co, Hue; Noble Palace Tay Thang Long in O Dien, Hanoi City; Noble Palace Garden in Dan Phuong, Hanoi City; Noble Crystal Tay Ho WorldHotels Residence in Phu Thuong Ward, Hanoi City; and Noble Palace Tay Ho in Phu Thuong Ward, Hanoi City.
51GF Score

Get the complete analysis for HSTC:SSH

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

₫61,700.00
Price
₫28,605.80
GF Value