Ray Sigorta AS (IST:RAYSG) Effective Interest Rate on Debt %: 0.00% (As of Jun. 2026)

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IST:RAYSG Ray Sigorta AS IST:RAYSG
36 GF Score
Price ₺161.80
! 2 Warning Signs
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What is Ray Sigorta AS Effective Interest Rate on Debt %?

Ray Sigorta AS IST:RAYSG -0.74% 36 Effective Interest Rate on Debt % is 0.00% as of Jun. 2026. GuruFocus rates IST:RAYSG with a GF Score™ of 36/100. The stock has 2 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. Ray Sigorta AS's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was ₺0 Mil. Ray Sigorta AS's average total debt for the quarter that ended in Jun. 2026 was ₺22 Mil. Therefore, Ray Sigorta AS's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 0.00%.


Ray Sigorta AS  (IST:RAYSG) Effective Interest Rate on Debt % Explanation

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


Ray Sigorta AS Effective Interest Rate on Debt % Related Terms


Ray Sigorta AS Effective Interest Rate on Debt % Historical Data

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The historical data trend for Ray Sigorta AS'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.

Ray Sigorta AS Effective Interest Rate on Debt % Chart

Ray Sigorta AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Ray Sigorta AS Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 0.00 0.00 0.00 0.00 0.00

IST:RAYSG vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, Ray Sigorta AS'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.


Ray Sigorta AS Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Ray Sigorta AS's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Ray Sigorta AS's Effective Interest Rate on Debt % falls into.


IST:RAYSG
36GF Score
Ray Sigorta AS IST:RAYSG
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Ray Sigorta AS Effective Interest Rate on Debt % Calculation

Ray Sigorta AS'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  *  0/( (2.224+23.964)/ 2 )
=-1  *  0/13.094
=0.00 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.478 + 0.746
=2.224

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=16.356 + 7.608
=23.964

Ray Sigorta AS's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  0/( (22.996+21.934)/ 2 )
=-1  *  0/22.465
=0.00 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=14.821 + 8.175
=22.996

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=12.312 + 9.622
=21.934

* 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 (Jun. 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 0.00% mean?
Ray Sigorta AS (IST:RAYSG) has a Effective Interest Rate on Debt % of 0.00% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Ray Sigorta AS and its competitors.
Is Ray Sigorta AS's Effective Interest Rate on Debt % too high?
Ray Sigorta AS's current Effective Interest Rate on Debt % is 0.00%. Overall, Ray Sigorta AS has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Ray Sigorta AS's Effective Interest Rate on Debt % compare to BRK.A and AIG?
Ray Sigorta AS's Effective Interest Rate on Debt % of 0.00% can be compared against companies in the Insurance 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 an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 Ray Sigorta AS and its competitors. Ray Sigorta AS's current Effective Interest Rate on Debt % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ray Sigorta AS stock overvalued right now?
Ray Sigorta AS (IST:RAYSG) has a current Effective Interest Rate on Debt % of 0.00%. The current Effective Interest Rate on Debt % is 0.00%. Ray Sigorta AS's overall GF Score™ is 36/100 with 2 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 Ray Sigorta AS (IST:RAYSG), the current Effective Interest Rate on Debt % is 0.00% as of Jun. 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.

Ray Sigorta AS Business Description

Address Haydar Aliyev Caddesi No.28, Cumhuriyet Mahallesi, Tarabya, Istanbul, TUR, 34457
Ray Sigorta AS is a Turkey-based insurance company. It offers motor, household and health insurances. The motor insurance covers accidents such as the collision of the car with other motor or no-motor vehicles used on the road or railroad. Its household insurance secures house and goods against many risks such as fire, robbery, earthquake, and floods. The health insurance product consists of emergency health insurance, complementary health insurance, health insurance for foreigners and travel health insurance. Additionally, it also provides contracted health institutions and contracted auto services.
36GF 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.

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