EFU Life Assurance (KAR:EFUL) Effective Interest Rate on Debt % : 10.83% (As of Mar. 2025)

View and export this data going back to 1995. Start your Free Trial

What is EFU Life Assurance 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. EFU Life Assurance's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was ₨82 Mil. EFU Life Assurance's average total debt for the quarter that ended in Mar. 2025 was ₨756 Mil. Therefore, EFU Life Assurance's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 10.83%.

EFU Life Assurance Effective Interest Rate on Debt % Historical Data

The historical data trend for EFU Life Assurance'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.

* Premium members only.

EFU Life Assurance Effective Interest Rate on Debt % Chart

EFU Life Assurance Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Effective Interest Rate on Debt %

Get a 7-Day Free Trial

10.33

11.61

8.97

9.22

10.39

EFU Life Assurance Quarterly Data
	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Mar25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															13.62	10.65	11.46	11.58	10.83

Competitive Comparison of EFU Life Assurance's Effective Interest Rate on Debt %

For the Insurance - Diversified subindustry, EFU Life Assurance'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.

EFU Life Assurance's Effective Interest Rate on Debt % Distribution in the Insurance Industry

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

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

Save Embed

;

Save Embed

;

EFU Life Assurance Effective Interest Rate on Debt % Calculation

EFU Life Assurance's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2023 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2022 )	+	Total Debt (A: Dec. 2023 ))	/ count )
=	-1 * -70.62	/	( (671.657	+	687.196)	/ 2 )
=	-1 * -70.62	/	679.4265
=	10.39 %

where

	Total Debt (A: Dec. 2022 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	530.255	+	141.402
=	671.657

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	583.2	+	103.996
=	687.196

EFU Life Assurance's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Sep. 2024 )	+	Total Debt (Q: Mar. 2025 ))	/ count )
=	-1 * -81.824	/	( (660.647	+	850.952)	/ 2 )
=	-1 * -81.824	/	755.7995
=	10.83 %

where

	Total Debt (Q: Sep. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	660.647	+	0
=	660.647

	Total Debt (Q: Mar. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	850.952	+	0
=	850.952

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. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

EFU Life Assurance (KAR:EFUL) Effective Interest Rate on Debt % Explanation

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

EFU Life Assurance Effective Interest Rate on Debt % Related Terms

Thank you for viewing the detailed overview of EFU Life Assurance's Effective Interest Rate on Debt % provided by GuruFocus.com. Please click on the following links to see related term pages.

EFU Life Assurance Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » EFU Life Assurance Ltd (KAR:EFUL) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

8th East Street, Plot No. 112, EFU Life House, Phase 1, DHA, Karachi, SD, PAK

Website

https://www.efulife.com

EFU Life Assurance Ltd is engaged in providing insurance services. The company operates through various business segments namely investment linked business, conventional business, pension business, accident and health business, Family takaful investment linked business, and Family takaful protection business. It generates maximum revenue from the Investment Linked Business segment.

EFU Life Assurance Headlines

No Headlines