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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. PBT Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was R5 Mil. PBT Holdings's average total debt for the quarter that ended in Mar. 2026 was R60 Mil. Therefore, PBT Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 8.80%.
PBT Holdings (JSE:PBT) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
PBT Holdings Effective Interest Rate on Debt % Related Terms
PBT Holdings Effective Interest Rate on Debt % Historical Data
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The historical data trend for PBT Holdings'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.
PBT Holdings Effective Interest Rate on Debt % Chart
JSE:PBT vs IBM, ACN, FISV: Effective Interest Rate on Debt % Comparison
For the Information Technology Services subindustry, PBT Holdings'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.
PBT Holdings Effective Interest Rate on Debt % vs Software Industry
For the Software industry and Technology sector, PBT Holdings's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where PBT Holdings's Effective Interest Rate on Debt % falls into.
* 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 (Mar. 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 8.80% mean?
PBT Holdings (JSE:PBT) has a Effective Interest Rate on Debt % of 8.80% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PBT Holdings and its competitors.
Is PBT Holdings' Effective Interest Rate on Debt % too high?
PBT Holdings' current Effective Interest Rate on Debt % is 8.80%. Overall, PBT Holdings has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PBT Holdings' Effective Interest Rate on Debt % compare to IBM and ACN?
PBT Holdings' Effective Interest Rate on Debt % of 8.80% can be compared against companies in the Software 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 Software company?
A good Effective Interest Rate on Debt % depends on the Software 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 PBT Holdings and its competitors. PBT Holdings's current Effective Interest Rate on Debt % is 8.80%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBT Holdings stock overvalued right now?
Based on GuruFocus' analysis, PBT Holdings (JSE:PBT) is currently considered Fairly Valued. The stock's GF Value™ is R7.38, compared to a current price of R6.75 — trading 8.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 8.80%. PBT Holdings' overall GF Score™ is 80/100 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 PBT Holdings (JSE:PBT), the current Effective Interest Rate on Debt % is 8.80% as of Mar. 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 PBT Holdings (JSE:PBT) Overvalued in 2026?
Based on GuruFocus' analysis, PBT Holdings stock appears to be undervalued.
The current stock price of R6.75 is trading 8.5% below its estimated GF Value™ of R7.38.
GuruFocus considers PBT Holdings to be Fairly Valued.
Key valuation signals for JSE:PBT:
Effective Interest Rate on Debt %: 8.80%
GF Value™: R7.38 vs. price of R6.75 (8.5% below fair value)
No single metric tells the full story. See the JSE:PBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBT Holdings Ltd, formerly known as PBT Group Ltd, is a South African-based company that offers information management and data analytics services. It serves finance, insurance, telecommunications, retail, petroleum and medical healthcare industries. The services provided by the company include data engineering, analytics and visualization, artificial intelligence, managed solutions, advisory and strategic services, application development and others. Its operating segments are based on geographical locations namely South Africa, Europe and the United Kingdom. The segment includes consulting and implementation of data, management information software and healthcare administration services provided in the Republic of South Africa, Europe, the United Kingdom, and also Australia.
80GF Score
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