Choppies Enterprises (JSE:CHP) Effective Interest Rate on Debt %: 8.78% (As of Dec. 2025)

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JSE:CHP Choppies Enterprises Ltd JSE:CHP
40 GF Score
Price R1.16
GF Value R0.83
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Choppies Enterprises Effective Interest Rate on Debt %?

Choppies Enterprises JSE:CHP -3.33% 40 Effective Interest Rate on Debt % is 8.78% as of Dec. 2025. GuruFocus rates JSE:CHP with a GF Score™ of 40/100 and a GF Value™ of R0.83 (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. Choppies Enterprises's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was R128 Mil. Choppies Enterprises's average total debt for the quarter that ended in Dec. 2025 was R1,456 Mil. Therefore, Choppies Enterprises's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 8.78%.


Choppies Enterprises  (JSE:CHP) Effective Interest Rate on Debt % Explanation

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


Choppies Enterprises Effective Interest Rate on Debt % Related Terms


Choppies Enterprises Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Choppies Enterprises'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.

Choppies Enterprises Effective Interest Rate on Debt % Chart

Choppies Enterprises Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.48 6.78 8.06 8.13 7.61

Choppies Enterprises Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 7.41 8.05 7.79 7.79 8.78

JSE:CHP vs KR: Effective Interest Rate on Debt % Comparison

For the Grocery Stores subindustry, Choppies Enterprises'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.


Choppies Enterprises Effective Interest Rate on Debt % vs Retail - Defensive Industry

For the Retail - Defensive industry and Consumer Defensive sector, Choppies Enterprises's Effective Interest Rate on Debt % distribution charts can be found below:

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


JSE:CHP
40GF Score
Choppies Enterprises Ltd JSE:CHP
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Choppies Enterprises Effective Interest Rate on Debt % Calculation

Choppies Enterprises's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -121.764/( (1693.852+1508.191)/ 2 )
=-1  *  -121.764/1601.0215
=7.61 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1180.271 + 513.581
=1693.852

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=901.78 + 606.411
=1508.191

Choppies Enterprises's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -127.792/( (1508.191+1403.305)/ 2 )
=-1  *  -127.792/1455.748
=8.78 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=901.78 + 606.411
=1508.191

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=902.986 + 500.319
=1403.305

* 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 (Dec. 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 8.78% mean?
Choppies Enterprises (JSE:CHP) has a Effective Interest Rate on Debt % of 8.78% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Choppies Enterprises and its competitors.
Is Choppies Enterprises' Effective Interest Rate on Debt % too high?
Choppies Enterprises' current Effective Interest Rate on Debt % is 8.78%. Overall, Choppies Enterprises has a GF Score™ of 40/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Choppies Enterprises' Effective Interest Rate on Debt % compare to KR?
Choppies Enterprises' Effective Interest Rate on Debt % of 8.78% can be compared against companies in the Retail - Defensive 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 Retail - Defensive company?
A good Effective Interest Rate on Debt % depends on the Retail - Defensive 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 Choppies Enterprises and its competitors. Choppies Enterprises's current Effective Interest Rate on Debt % is 8.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Choppies Enterprises stock overvalued right now?
Based on GuruFocus' analysis, Choppies Enterprises (JSE:CHP) is currently considered Significantly Overvalued. The stock's GF Value™ is R0.83, compared to a current price of R1.16 — trading 39.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 8.78%. Choppies Enterprises' overall GF Score™ is 40/100 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 Choppies Enterprises (JSE:CHP), the current Effective Interest Rate on Debt % is 8.78% as of Dec. 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.

Is Choppies Enterprises (JSE:CHP) Overvalued in 2026?

Based on GuruFocus' analysis, Choppies Enterprises stock appears to be overvalued. The current stock price of R1.16 is trading 39.8% above its estimated GF Value™ of R0.83. GuruFocus considers Choppies Enterprises to be Significantly Overvalued.

Key valuation signals for JSE:CHP:

  • Effective Interest Rate on Debt %: 8.78%
  • GF Value™: R0.83 vs. price of R1.16 (39.8% above fair value)
  • GF Score™: 40/100 with 3 warning signs

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


Choppies Enterprises Business Description

Other Exchanges CHOPPIES:Botswana
Address Plot 169, Gaborone International Commerce Park, Gaborone, BWA, 00278
Choppies Enterprises Ltd operates a supermarket chain in Botswana. The company's supermarkets offer international food brands, fast-moving consumer goods products, and Choppies private label products. Its product offerings include groceries, fresh fruit and vegetables, bakery goods, butchery items, takeaways, and value-added financial services. The company's segments include Botswana, Zambia, Zimbabwe, Kamoso Liquor, Rest of Kamoso, and Namibia, with the majority of its revenue derived from Botswana.
40GF Score

Get the complete analysis for JSE:CHP

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

R1.16
Price
R0.83
GF Value