INTJ (Intelligent Group) Effective Interest Rate on Debt %: 2.68% (As of Nov. 2025)


INTJ Intelligent Group Ltd INTJ
39 GF Score
Price $3.70
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What is Intelligent Group Effective Interest Rate on Debt %?

Intelligent Group INTJ +3.93% 39 Effective Interest Rate on Debt % is 2.68% as of Nov. 2025. GuruFocus rates INTJ with a GF Score™ of 39/100. 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. Intelligent Group's annualized positive value of Interest Expense for the quarter that ended in Nov. 2025 was $0.01 Mil. Intelligent Group's average total debt for the quarter that ended in Nov. 2025 was $0.37 Mil. Therefore, Intelligent Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Nov. 2025 was 2.68%.


Intelligent Group  (NAS:INTJ) Effective Interest Rate on Debt % Explanation

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


Intelligent Group Effective Interest Rate on Debt % Related Terms


Intelligent Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Intelligent Group'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.

Intelligent Group Effective Interest Rate on Debt % Chart

Intelligent Group Annual Data
Trend Nov20 Nov21 Nov22 Nov23 Nov24 Nov25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.35 2.37 2.81 2.94 2.56

Intelligent Group Semi-Annual Data
Nov20 May21 Nov21 May22 Nov22 May23 Nov23 May24 Nov24 May25 Nov25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 2.47 2.89 3.00 2.64 2.68

INTJ vs KARX, ZTG, VCIG: Effective Interest Rate on Debt % Comparison

For the Consulting Services subindustry, Intelligent Group'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.


Intelligent Group Effective Interest Rate on Debt % vs Business Services Industry

For the Business Services industry and Industrials sector, Intelligent Group's Effective Interest Rate on Debt % distribution charts can be found below:

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


INTJ
39GF Score
Intelligent Group Ltd INTJ
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Intelligent Group Effective Interest Rate on Debt % Calculation

Intelligent Group's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Nov. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Nov. 2024 )+Total Debt  (A: Nov. 2025 ))/ count )
=-1  *  -0.009/( (0.358+0.344)/ 2 )
=-1  *  -0.009/0.351
=2.56 %

where

Total Debt  (A: Nov. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.259 + 0.099
=0.358

Total Debt  (A: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.215 + 0.129
=0.344

Intelligent Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Nov. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: May. 2025 )+Total Debt  (Q: Nov. 2025 ))/ count )
=-1  *  -0.01/( (0.401+0.344)/ 2 )
=-1  *  -0.01/0.3725
=2.68 %

where

Total Debt  (Q: May. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.276 + 0.125
=0.401

Total Debt  (Q: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.215 + 0.129
=0.344

* 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 (Nov. 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 2.68% mean?
Intelligent Group (INTJ) has a Effective Interest Rate on Debt % of 2.68% as of Nov. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Intelligent Group and its competitors.
Is Intelligent Group's Effective Interest Rate on Debt % too high?
Intelligent Group's current Effective Interest Rate on Debt % is 2.68%. Overall, Intelligent Group has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Intelligent Group's Effective Interest Rate on Debt % compare to KARX and ZTG?
Intelligent Group's Effective Interest Rate on Debt % of 2.68% can be compared against companies in the Business 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 Business Services company?
A good Effective Interest Rate on Debt % depends on the Business 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 Intelligent Group and its competitors. Intelligent Group's current Effective Interest Rate on Debt % is 2.68%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Intelligent Group stock overvalued right now?
Intelligent Group (INTJ) has a current Effective Interest Rate on Debt % of 2.68%. The current Effective Interest Rate on Debt % is 2.68%. Intelligent Group's overall GF Score™ is 39/100 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 Intelligent Group (INTJ), the current Effective Interest Rate on Debt % is 2.68% as of Nov. 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.

Intelligent Group Business Description

Address 18 Harcourt Road, 1203C, Level 12, Tower 1, Admiralty Centre, Admiralty, Hong Kong, HKG
Intelligent Group Ltd is a professional services provider in Hong Kong that principally engages in the provision of Financial PR services. The company provides a substantial number of holistic and comprehensive Financial PR services to its clients. It advises its clients on their communications and reputation management efforts. Its Financial PR services include creating multi-stakeholder communications programs, arranging press conferences and interviews, participating in the preparation of news releases and shareholders' meetings, monitoring news publications, identifying shareholders, targeting potential investors, organizing corporate events, and implementing crisis management policies and procedures. The company derives all its revenue from Hong Kong.
39GF Score

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