JL (J-Long Group) Effective Interest Rate on Debt %: 2.78% (As of Sep. 2025)

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JL J-Long Group Ltd JL
24 GF Score
Price $6.39
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What is J-Long Group Effective Interest Rate on Debt %?

J-Long Group JL +4.75% 24 Effective Interest Rate on Debt % is 2.78% as of Sep. 2025. GuruFocus rates JL with a GF Score™ of 24/100.

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. J-Long Group's annualized positive value of Interest Expense for the quarter that ended in Sep. 2025 was $0.07 Mil. J-Long Group's average total debt for the quarter that ended in Sep. 2025 was $2.52 Mil. Therefore, J-Long Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 was 2.78%.

J-Long Group  (NAS:JL) Effective Interest Rate on Debt % Explanation

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

J-Long Group Effective Interest Rate on Debt % Related Terms

J-Long Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for J-Long 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.

J-Long Group Effective Interest Rate on Debt % Chart

J-Long Group Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25
Effective Interest Rate on Debt %
1.01 3.58 3.66 5.59 5.55

J-Long Group Semi-Annual Data
Mar21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only 5.68 11.40 6.01 6.66 2.78

JL vs NCI, XELB, PMNT: Effective Interest Rate on Debt % Comparison

For the Apparel Manufacturing subindustry, J-Long 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.

J-Long Group Effective Interest Rate on Debt % vs Manufacturing - Apparel & Accessories Industry

For the Manufacturing - Apparel & Accessories industry and Consumer Cyclical sector, J-Long Group's Effective Interest Rate on Debt % distribution charts can be found below:

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


JL
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J-Long Group Ltd JL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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J-Long Group Effective Interest Rate on Debt % Calculation

J-Long Group's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2024 )+Total Debt  (A: Mar. 2025 ))/ count )
=-1  *  -0.126/( (2.126+2.412)/ 2 )
=-1  *  -0.126/2.269
=5.55 %

where

Total Debt  (A: Mar. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.382 + 0.744
=2.126

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.322 + 1.09
=2.412

J-Long Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2025 )+Total Debt  (Q: Sep. 2025 ))/ count )
=-1  *  -0.07/( (2.412+2.624)/ 2 )
=-1  *  -0.07/2.518
=2.78 %

where

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.322 + 1.09
=2.412

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.336 + 1.288
=2.624

* 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 (Sep. 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 2.78% mean?
J-Long Group (JL) has a Effective Interest Rate on Debt % of 2.78% as of Sep. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on J-Long Group and its competitors.
Is J-Long Group's Effective Interest Rate on Debt % too high?
J-Long Group's current Effective Interest Rate on Debt % is 2.78%. Overall, J-Long Group has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J-Long Group's Effective Interest Rate on Debt % compare to NCI and XELB?
J-Long Group's Effective Interest Rate on Debt % of 2.78% can be compared against companies in the Manufacturing - Apparel & Accessories 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 Manufacturing - Apparel & Accessories company?
A good Effective Interest Rate on Debt % depends on the Manufacturing - Apparel & Accessories 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 J-Long Group and its competitors. J-Long Group's current Effective Interest Rate on Debt % is 2.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J-Long Group stock overvalued right now?
J-Long Group (JL) has a current Effective Interest Rate on Debt % of 2.78%. The current Effective Interest Rate on Debt % is 2.78%. J-Long Group's overall GF Score™ is 24/100. 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 J-Long Group (JL), the current Effective Interest Rate on Debt % is 2.78% as of Sep. 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.

J-Long Group Business Description

Address 32-40 Wang Lung Street, Flat F, 8th Floor, Houston Industrial Building, Tsuen Wan New Territories, Hong Kong, HKG
J-Long Group Ltd is an established distributor in Hong Kong of reflective and non-reflective garment trims including, among others, heat transfers, fabrics, woven labels and tapes, sewing badges, piping, zipper pullers and drawcords. It also offers a wide range of apparel solution services to cater to its customers' needs for reflective and non-reflective garment trims, ranging from market trend analysis, product design and development and production to quality control. The company operates in Asia (excluding other than Hong Kong and China), Hong Kong, China, and Others (Non-Asian).
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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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