Dis-Chem Pharmacies (JSE:DCP) Effective Interest Rate on Debt %: 9.10% (As of Feb. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

JSE:DCP Dis-Chem Pharmacies Ltd JSE:DCP
87 GF Score
Price R30.19
GF Value R38.34
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is Dis-Chem Pharmacies Effective Interest Rate on Debt %?

Dis-Chem Pharmacies JSE:DCP -0.36% 87 Effective Interest Rate on Debt % is 9.10% as of Feb. 2026. GuruFocus rates JSE:DCP with a GF Score™ of 87/100 and a GF Value™ of R38.34 (Modestly Undervalued). The stock has 4 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. Dis-Chem Pharmacies's annualized positive value of Interest Expense for the quarter that ended in Feb. 2026 was R550 Mil. Dis-Chem Pharmacies's average total debt for the quarter that ended in Feb. 2026 was R6,042 Mil. Therefore, Dis-Chem Pharmacies's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 was 9.10%.


Dis-Chem Pharmacies  (JSE:DCP) Effective Interest Rate on Debt % Explanation

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


Dis-Chem Pharmacies Effective Interest Rate on Debt % Related Terms


Dis-Chem Pharmacies Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Dis-Chem Pharmacies'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.

Dis-Chem Pharmacies Effective Interest Rate on Debt % Chart

Dis-Chem Pharmacies Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.25 7.81 8.74 8.71 8.61

Dis-Chem Pharmacies Semi-Annual Data
Aug16 Feb17 Aug17 Feb18 Aug18 Feb19 Aug19 Feb20 Aug20 Feb21 Aug21 Feb22 Aug22 Feb23 Aug23 Feb24 Aug24 Feb25 Aug25 Feb26
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 9.49 9.39 8.94 9.56 9.10

Dis-Chem Pharmacies Effective Interest Rate on Debt % Competitor Comparison

For the Pharmaceutical Retailers subindustry, Dis-Chem Pharmacies'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.


Dis-Chem Pharmacies Effective Interest Rate on Debt % vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Dis-Chem Pharmacies's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Dis-Chem Pharmacies's Effective Interest Rate on Debt % falls into.


JSE:DCP
87GF Score
Dis-Chem Pharmacies Ltd JSE:DCP
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dis-Chem Pharmacies Effective Interest Rate on Debt % Calculation

Dis-Chem Pharmacies's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Feb. 2025 )+Total Debt  (A: Feb. 2026 ))/ count )
=-1  *  -553.975/( (6235.345+6637.531)/ 2 )
=-1  *  -553.975/6436.438
=8.61 %

where

Total Debt  (A: Feb. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3724.733 + 2510.612
=6235.345

Total Debt  (A: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3757.966 + 2879.565
=6637.531

Dis-Chem Pharmacies's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Aug. 2025 )+Total Debt  (Q: Feb. 2026 ))/ count )
=-1  *  -549.64/( (5446.398+6637.531)/ 2 )
=-1  *  -549.64/6041.9645
=9.10 %

where

Total Debt  (Q: Aug. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3711.76 + 1734.638
=5446.398

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3757.966 + 2879.565
=6637.531

* 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 (Feb. 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 9.10% mean?
Dis-Chem Pharmacies (JSE:DCP) has a Effective Interest Rate on Debt % of 9.10% as of Feb. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Dis-Chem Pharmacies and its competitors.
Is Dis-Chem Pharmacies' Effective Interest Rate on Debt % too high?
Dis-Chem Pharmacies' current Effective Interest Rate on Debt % is 9.10%. Overall, Dis-Chem Pharmacies has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Dis-Chem Pharmacies' Effective Interest Rate on Debt % compare to competitors?
Dis-Chem Pharmacies' Effective Interest Rate on Debt % of 9.10% can be compared against companies in the Healthcare Providers & Services 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 Healthcare Providers & Services company?
A good Effective Interest Rate on Debt % depends on the Healthcare Providers & Services 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 Dis-Chem Pharmacies and its competitors. Dis-Chem Pharmacies's current Effective Interest Rate on Debt % is 9.10%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dis-Chem Pharmacies stock overvalued right now?
Based on GuruFocus' analysis, Dis-Chem Pharmacies (JSE:DCP) is currently considered Modestly Undervalued. The stock's GF Value™ is R38.34, compared to a current price of R30.19 — trading 21.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 9.10%. Dis-Chem Pharmacies' overall GF Score™ is 87/100 with 4 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 Dis-Chem Pharmacies (JSE:DCP), the current Effective Interest Rate on Debt % is 9.10% as of Feb. 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 Dis-Chem Pharmacies (JSE:DCP) Overvalued in 2026?

Based on GuruFocus' analysis, Dis-Chem Pharmacies stock appears to be undervalued. The current stock price of R30.19 is trading 21.3% below its estimated GF Value™ of R38.34. GuruFocus considers Dis-Chem Pharmacies to be Modestly Undervalued.

Key valuation signals for JSE:DCP:

  • Effective Interest Rate on Debt %: 9.10%
  • GF Value™: R38.34 vs. price of R30.19 (21.3% below fair value)
  • GF Score™: 87/100 with 4 warning signs

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


Dis-Chem Pharmacies Business Description

Address 23 Stag Road, Glen Austin, Midrand, Johannesburg, GT, ZAF, 1685
Dis-Chem Pharmacies Ltd is a pharmaceutical company based in South Africa. Its product portfolio includes personal care products, beauty products, healthcare and nutrition products, and dispensary and baby care products. The operating segments of the group are Retail and Wholesale. It derives maximum revenue from the Retail segment, which includes company stores, retailers of pharmaceuticals and a variety of health and beauty products, as well as pharma-logistic services and oncology and retailers of pharmaceutical products. The Wholesale segment consists of the CJ wholesale and company distribution businesses, wholesalers of pharmaceuticals, and a variety of health and beauty products. Geographically, the group carries out its business operations principally in South Africa.
87GF Score

Get the complete analysis for JSE:DCP

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

R30.19
Price
R38.34
GF Value