Fatima Fertilizer Co (KAR:FATIMA) Effective Interest Rate on Debt %: 8.30% (As of Mar. 2026)

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KAR:FATIMA Fatima Fertilizer Co Ltd KAR:FATIMA
91 GF Score
Price ₨155.03
GF Value ₨73.77
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Fatima Fertilizer Co Effective Interest Rate on Debt %?

Fatima Fertilizer Co KAR:FATIMA -0.12% 91 Effective Interest Rate on Debt % is 8.30% as of Mar. 2026. GuruFocus rates KAR:FATIMA with a GF Score™ of 91/100 and a GF Value™ of ₨73.77 (Significantly Overvalued). 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. Fatima Fertilizer Co's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₨4,800 Mil. Fatima Fertilizer Co's average total debt for the quarter that ended in Mar. 2026 was ₨57,800 Mil. Therefore, Fatima Fertilizer Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 8.30%.


Fatima Fertilizer Co  (KAR:FATIMA) Effective Interest Rate on Debt % Explanation

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


Fatima Fertilizer Co Effective Interest Rate on Debt % Related Terms


Fatima Fertilizer Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Fatima Fertilizer Co'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.

Fatima Fertilizer Co Effective Interest Rate on Debt % Chart

Fatima Fertilizer Co 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 9.20 12.42 19.87 10.78 9.47

Fatima Fertilizer Co 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 9.36 10.69 9.49 9.87 8.30

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

For the Agricultural Inputs subindustry, Fatima Fertilizer Co'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.


Fatima Fertilizer Co Effective Interest Rate on Debt % vs Agriculture Industry

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

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


KAR:FATIMA
91GF Score
Fatima Fertilizer Co Ltd KAR:FATIMA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Fatima Fertilizer Co Effective Interest Rate on Debt % Calculation

Fatima Fertilizer Co'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  *  -6521.239/( (64349.693+73383.026)/ 2 )
=-1  *  -6521.239/68866.3595
=9.47 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=42939.725 + 21409.968
=64349.693

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3229.396 + 70153.63
=73383.026

Fatima Fertilizer Co'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  *  -4799.72/( (73383.026+42217.438)/ 2 )
=-1  *  -4799.72/57800.232
=8.30 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3229.396 + 70153.63
=73383.026

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5877.968 + 36339.47
=42217.438

* 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 8.30% mean?
Fatima Fertilizer Co (KAR:FATIMA) has a Effective Interest Rate on Debt % of 8.30% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Fatima Fertilizer Co and its competitors.
Is Fatima Fertilizer Co's Effective Interest Rate on Debt % too high?
Fatima Fertilizer Co's current Effective Interest Rate on Debt % is 8.30%. Overall, Fatima Fertilizer Co has a GF Score™ of 91/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fatima Fertilizer Co's Effective Interest Rate on Debt % compare to CTVA and CF?
Fatima Fertilizer Co's Effective Interest Rate on Debt % of 8.30% 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 Fatima Fertilizer Co and its competitors. Fatima Fertilizer Co's current Effective Interest Rate on Debt % is 8.30%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fatima Fertilizer Co stock overvalued right now?
Based on GuruFocus' analysis, Fatima Fertilizer Co (KAR:FATIMA) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨73.77, compared to a current price of ₨155.03 — trading 110.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 8.30%. Fatima Fertilizer Co's overall GF Score™ is 91/100 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 Fatima Fertilizer Co (KAR:FATIMA), the current Effective Interest Rate on Debt % is 8.30% 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 Fatima Fertilizer Co (KAR:FATIMA) Overvalued in 2026?

Based on GuruFocus' analysis, Fatima Fertilizer Co stock appears to be overvalued. The current stock price of ₨155.03 is trading 110.2% above its estimated GF Value™ of ₨73.77. GuruFocus considers Fatima Fertilizer Co to be Significantly Overvalued.

Key valuation signals for KAR:FATIMA:

  • Effective Interest Rate on Debt %: 8.30%
  • GF Value™: ₨73.77 vs. price of ₨155.03 (110.2% above fair value)
  • GF Score™: 91/100 with 7 warning signs

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


Fatima Fertilizer Co Business Description

Address E-110, Khayaban-e-Jinnah, Lahore Cantt, Lahore, PAK
Fatima Fertilizer Co Ltd is a holding company and through its subsidiaries involves in the activity of manufacturing, producing, buying, selling, importing, and exporting fertilizers and chemicals, cement and polypropylene sacks, cloth, liner & cement bags. Its primary product offering includes urea, calcium ammonium nitrate (CAN), and nitro phosphate(NP). It also produces two intermediary products which are ammonia and nitric acid.
91GF Score

Get the complete analysis for KAR:FATIMA

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

₨155.03
Price
₨73.77
GF Value