PT Equity Development Investment Tbk (ISX:GSMF) Effective Interest Rate on Debt %: 8.85% (As of Jun. 2026)

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ISX:GSMF PT Equity Development Investment Tbk ISX:GSMF
59 GF Score
Price Rp83.00
GF Value Rp46.27
Valuation Significantly Overvalued
! 2 Warning Signs
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What is PT Equity Development Investment Tbk Effective Interest Rate on Debt %?

PT Equity Development Investment Tbk ISX:GSMF -4.60% 59 Effective Interest Rate on Debt % is 8.85% as of Jun. 2026. GuruFocus rates ISX:GSMF with a GF Score™ of 59/100 and a GF Value™ of Rp46.27 (Significantly Overvalued). 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. PT Equity Development Investment Tbk's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was Rp41,092 Mil. PT Equity Development Investment Tbk's average total debt for the quarter that ended in Jun. 2026 was Rp464,100 Mil. Therefore, PT Equity Development Investment Tbk's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 8.85%.


PT Equity Development Investment Tbk  (ISX:GSMF) Effective Interest Rate on Debt % Explanation

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


PT Equity Development Investment Tbk Effective Interest Rate on Debt % Related Terms


PT Equity Development Investment Tbk Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for PT Equity Development Investment Tbk'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.

PT Equity Development Investment Tbk Effective Interest Rate on Debt % Chart

PT Equity Development Investment Tbk 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 12.70 37.90 13.11 17.43 9.92

PT Equity Development Investment Tbk 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 9.50 9.56 9.86 9.54 8.85

ISX:GSMF vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, PT Equity Development Investment Tbk'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.


PT Equity Development Investment Tbk Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, PT Equity Development Investment Tbk's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where PT Equity Development Investment Tbk's Effective Interest Rate on Debt % falls into.


ISX:GSMF
59GF Score
PT Equity Development Investment Tbk ISX:GSMF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Equity Development Investment Tbk Effective Interest Rate on Debt % Calculation

PT Equity Development Investment Tbk'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  *  -47757/( (530411+432723)/ 2 )
=-1  *  -47757/481567
=9.92 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=530411 + 0
=530411

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=432723 + 0
=432723

PT Equity Development Investment Tbk'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  *  -41092/( (452090+476110)/ 2 )
=-1  *  -41092/464100
=8.85 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=452090 + 0
=452090

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=476110 + 0
=476110

* 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 8.85% mean?
PT Equity Development Investment Tbk (ISX:GSMF) has a Effective Interest Rate on Debt % of 8.85% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT Equity Development Investment Tbk and its competitors.
Is PT Equity Development Investment Tbk's Effective Interest Rate on Debt % too high?
PT Equity Development Investment Tbk's current Effective Interest Rate on Debt % is 8.85%. Overall, PT Equity Development Investment Tbk has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Equity Development Investment Tbk's Effective Interest Rate on Debt % compare to BRK.A and AIG?
PT Equity Development Investment Tbk's Effective Interest Rate on Debt % of 8.85% 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 PT Equity Development Investment Tbk and its competitors. PT Equity Development Investment Tbk's current Effective Interest Rate on Debt % is 8.85%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Equity Development Investment Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Equity Development Investment Tbk (ISX:GSMF) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp46.27, compared to a current price of Rp83.00 — trading 79.4% above its estimated fair value. The current Effective Interest Rate on Debt % is 8.85%. PT Equity Development Investment Tbk's overall GF Score™ is 59/100 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 PT Equity Development Investment Tbk (ISX:GSMF), the current Effective Interest Rate on Debt % is 8.85% 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.

Is PT Equity Development Investment Tbk (ISX:GSMF) Overvalued in 2026?

Based on GuruFocus' analysis, PT Equity Development Investment Tbk stock appears to be overvalued. The current stock price of Rp83.00 is trading 79.4% above its estimated GF Value™ of Rp46.27. GuruFocus considers PT Equity Development Investment Tbk to be Significantly Overvalued.

Key valuation signals for ISX:GSMF:

  • Effective Interest Rate on Debt %: 8.85%
  • GF Value™: Rp46.27 vs. price of Rp83.00 (79.4% above fair value)
  • GF Score™: 59/100 with 2 warning signs

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


PT Equity Development Investment Tbk Business Description

Address Jalan Hayam Wuruk No. 8, Wisma Hayam Wuruk, 3rd Floor, Central Jakarta, Jakarta, IDN, 10120
PT Equity Development Investment Tbk is an Indonesia-based investment holding company engaged in the insurance business through its subsidiaries. It is also engaged in investment activities, management consulting services, and share investments, as well as training areas specifically for the Equity group. The company and its subsidiaries have categorized their business activity into four segments by the nature of the business, which include Holding company, travel services and venture capital, Banking and financing, Insurance, Stock administration and securities, out of which the majority of the revenue is generated from the Insurance segment. The company's geographical segments include Java Island and Outside Java Island.
59GF Score

Get the complete analysis for ISX:GSMF

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

Rp83.00
Price
Rp46.27
GF Value