Engro Fertilizers (KAR:EFERT) Effective Interest Rate on Debt %: 7.94% (As of Mar. 2026)

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KAR:EFERT Engro Fertilizers Ltd KAR:EFERT
81 GF Score
Price ₨190.24
GF Value ₨196.97
Valuation Fairly Valued
! 7 Warning Signs
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What is Engro Fertilizers Effective Interest Rate on Debt %?

Engro Fertilizers KAR:EFERT -0.37% 81 Effective Interest Rate on Debt % is 7.94% as of Mar. 2026. GuruFocus rates KAR:EFERT with a GF Score™ of 81/100 and a GF Value™ of ₨196.97 (Fairly Valued). The stock has 7 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. Engro Fertilizers's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₨5,709 Mil. Engro Fertilizers's average total debt for the quarter that ended in Mar. 2026 was ₨71,892 Mil. Therefore, Engro Fertilizers's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 7.94%.


Engro Fertilizers  (KAR:EFERT) Effective Interest Rate on Debt % Explanation

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


Engro Fertilizers Effective Interest Rate on Debt % Related Terms


Engro Fertilizers Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Engro Fertilizers'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.

Engro Fertilizers Effective Interest Rate on Debt % Chart

Engro Fertilizers Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.92 10.14 9.34 20.52 12.23

Engro Fertilizers Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 9.90 12.90 7.84 11.70 7.94

KAR:EFERT vs CTVA, CF, MOS: Effective Interest Rate on Debt % Comparison

For the Agricultural Inputs subindustry, Engro Fertilizers'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.


Engro Fertilizers Effective Interest Rate on Debt % vs Agriculture Industry

For the Agriculture industry and Basic Materials sector, Engro Fertilizers's Effective Interest Rate on Debt % distribution charts can be found below:

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


KAR:EFERT
81GF Score
Engro Fertilizers Ltd KAR:EFERT
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Engro Fertilizers Effective Interest Rate on Debt % Calculation

Engro Fertilizers's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -6170.739/( (33987.571+66930.268)/ 2 )
=-1  *  -6170.739/50458.9195
=12.23 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18701.703 + 15285.868
=33987.571

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=29445.959 + 37484.309
=66930.268

Engro Fertilizers's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -5708.604/( (66930.268+76853.267)/ 2 )
=-1  *  -5708.604/71891.7675
=7.94 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=29445.959 + 37484.309
=66930.268

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=37812.483 + 39040.784
=76853.267

* 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 four times the quarterly (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 7.94% mean?
Engro Fertilizers (KAR:EFERT) has a Effective Interest Rate on Debt % of 7.94% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Engro Fertilizers and its competitors.
Is Engro Fertilizers' Effective Interest Rate on Debt % too high?
Engro Fertilizers' current Effective Interest Rate on Debt % is 7.94%. Overall, Engro Fertilizers has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Engro Fertilizers' Effective Interest Rate on Debt % compare to CTVA and CF?
Engro Fertilizers' Effective Interest Rate on Debt % of 7.94% can be compared against companies in the Agriculture 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 an Agriculture company?
A good Effective Interest Rate on Debt % depends on the Agriculture 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 Engro Fertilizers and its competitors. Engro Fertilizers's current Effective Interest Rate on Debt % is 7.94%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Engro Fertilizers stock overvalued right now?
Based on GuruFocus' analysis, Engro Fertilizers (KAR:EFERT) is currently considered Fairly Valued. The stock's GF Value™ is ₨196.97, compared to a current price of ₨190.24 — trading 3.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 7.94%. Engro Fertilizers' overall GF Score™ is 81/100 with 7 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 Engro Fertilizers (KAR:EFERT), the current Effective Interest Rate on Debt % is 7.94% 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 Engro Fertilizers (KAR:EFERT) Overvalued in 2026?

Based on GuruFocus' analysis, Engro Fertilizers stock appears to be undervalued. The current stock price of ₨190.24 is trading 3.4% below its estimated GF Value™ of ₨196.97. GuruFocus considers Engro Fertilizers to be Fairly Valued.

Key valuation signals for KAR:EFERT:

  • Effective Interest Rate on Debt %: 7.94%
  • GF Value™: ₨196.97 vs. price of ₨190.24 (3.4% below fair value)
  • GF Score™: 81/100 with 7 warning signs

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


Engro Fertilizers Business Description

Address HC No-3, Marine Drive, Block 4, 6th Floor, The Harbor Front Building, Scheme Number 5, Clifton, Karachi, SD, PAK, 75600
Engro Fertilizers Ltd is a Pakistan-based company mainly involved in the manufacturing, purchasing, and marketing of fertilizers, seeds, and pesticides and providing logistics services. It segments include: Straight Fertilizers (Engro Urea, Phosphatic Fertilizers); Specialty Fertilizer (Engro Zabardast Urea, Zarkhez grades), and Agri services including site specific recommendations. The company offers different ranges of products under brand names such as Engro Urea, Engro DAP, Engro TSP, Engro Zorawar, Engro Zarkhez, Engro Zarkhez Plus, and Engro Zarkhez Khaas.
81GF Score

Get the complete analysis for KAR:EFERT

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

₨190.24
Price
₨196.97
GF Value