Clientele (JSE:CLI) Effective Interest Rate on Debt % : 18.26% (As of Dec. 2024)

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What is Clientele Effective Interest Rate on Debt %?

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. Clientele's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was R37 Mil. Clientele's average total debt for the quarter that ended in Dec. 2024 was R205 Mil. Therefore, Clientele's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 18.26%.

Clientele Effective Interest Rate on Debt % Historical Data

The historical data trend for Clientele'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.

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Clientele Effective Interest Rate on Debt % Chart

Clientele Annual Data

Trend

Jun15

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Effective Interest Rate on Debt %

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24.82

18.19

21.72

25.43

21.76

Clientele Semi-Annual Data
	Jun15	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															24.94	25.92	24.68	14.91	18.26

Competitive Comparison of Clientele's Effective Interest Rate on Debt %

For the Insurance - Diversified subindustry, Clientele'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.

Clientele's Effective Interest Rate on Debt % Distribution in the Insurance Industry

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

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

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Clientele Effective Interest Rate on Debt % Calculation

Clientele's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Jun. 2023 )	+	Total Debt (A: Jun. 2024 ))	/ count )
=	-1 * -33.167	/	( (100	+	204.806)	/ 2 )
=	-1 * -33.167	/	152.403
=	21.76 %

where

	Total Debt (A: Jun. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	100	+	0
=	100

	Total Debt (A: Jun. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	204.806	+	0
=	204.806

Clientele's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Jun. 2024 )	+	Total Debt (Q: Dec. 2024 ))	/ count )
=	-1 * -37.412	/	( (204.806	+	204.901)	/ 2 )
=	-1 * -37.412	/	204.8535
=	18.26 %

where

	Total Debt (Q: Jun. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	204.806	+	0
=	204.806

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	204.901	+	0
=	204.901

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. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Clientele (JSE:CLI) Effective Interest Rate on Debt % Explanation

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

Clientele Effective Interest Rate on Debt % Related Terms

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Clientele Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Clientele Ltd (JSE:CLI) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

Corner Rivonia and Alon Roads Morningside, Clientele Office Park, Johannesburg, GT, ZAF, 2196

Website

https://www.clientele.co.za

Clientele Ltd is a diversified financial services group. It markets distributes and underwrites insurance and investment products. The company's operating segment includes Life Insurance, Non-Life Insurance, CBC Rewards, Clientele Mobile and Direct Rewards, and Holding Entity and Properties. Its insurance products and services include Legal, Mobile, Wealth, Credit Life, Investments, and others. CBC Rewards, Clientele Mobile and Direct Rewards segment incorporates the sale and administration of loyalty rewards contracts as well as cellular sim cards, mobile data and airtime to clients. It generates maximum revenue from the Life insurance segment.

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