Gharibwal Cement (KAR:GWLC) Effective Interest Rate on Debt %: 16.58% (As of Mar. 2026)

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KAR:GWLC Gharibwal Cement Ltd KAR:GWLC
90 GF Score
Price ₨49.33
GF Value ₨43.42
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Gharibwal Cement Effective Interest Rate on Debt %?

Gharibwal Cement KAR:GWLC -0.32% 90 Effective Interest Rate on Debt % is 16.58% as of Mar. 2026. GuruFocus rates KAR:GWLC with a GF Score™ of 90/100 and a GF Value™ of ₨43.42 (Modestly Overvalued). The stock has 2 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. Gharibwal Cement's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₨123 Mil. Gharibwal Cement's average total debt for the quarter that ended in Mar. 2026 was ₨745 Mil. Therefore, Gharibwal Cement's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 16.58%.


Gharibwal Cement  (KAR:GWLC) Effective Interest Rate on Debt % Explanation

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


Gharibwal Cement Effective Interest Rate on Debt % Related Terms


Gharibwal Cement Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Gharibwal Cement'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.

Gharibwal Cement Effective Interest Rate on Debt % Chart

Gharibwal Cement Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.28 11.56 23.87 30.89 20.07

Gharibwal Cement 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 20.23 0.18 16.13 16.63 16.58

KAR:GWLC vs CRH, VMC, MLM: Effective Interest Rate on Debt % Comparison

For the Building Materials subindustry, Gharibwal Cement'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.


Gharibwal Cement Effective Interest Rate on Debt % vs Building Materials Industry

For the Building Materials industry and Basic Materials sector, Gharibwal Cement's Effective Interest Rate on Debt % distribution charts can be found below:

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


KAR:GWLC
90GF Score
Gharibwal Cement Ltd KAR:GWLC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Gharibwal Cement Effective Interest Rate on Debt % Calculation

Gharibwal Cement's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -206.53/( (1164.693+893.75)/ 2 )
=-1  *  -206.53/1029.2215
=20.07 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=959.907 + 204.786
=1164.693

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=687.5 + 206.25
=893.75

Gharibwal Cement'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  *  -123.476/( (756.25+733.078)/ 2 )
=-1  *  -123.476/744.664
=16.58 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=481.25 + 275
=756.25

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=448.047 + 285.031
=733.078

* 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 16.58% mean?
Gharibwal Cement (KAR:GWLC) has a Effective Interest Rate on Debt % of 16.58% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Gharibwal Cement and its competitors.
Is Gharibwal Cement's Effective Interest Rate on Debt % too high?
Gharibwal Cement's current Effective Interest Rate on Debt % is 16.58%. Overall, Gharibwal Cement has a GF Score™ of 90/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gharibwal Cement's Effective Interest Rate on Debt % compare to CRH and VMC?
Gharibwal Cement's Effective Interest Rate on Debt % of 16.58% can be compared against companies in the Building Materials 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 Building Materials company?
A good Effective Interest Rate on Debt % depends on the Building Materials 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 Gharibwal Cement and its competitors. Gharibwal Cement's current Effective Interest Rate on Debt % is 16.58%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gharibwal Cement stock overvalued right now?
Based on GuruFocus' analysis, Gharibwal Cement (KAR:GWLC) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨43.42, compared to a current price of ₨49.33 — trading 13.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 16.58%. Gharibwal Cement's overall GF Score™ is 90/100 with 2 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 Gharibwal Cement (KAR:GWLC), the current Effective Interest Rate on Debt % is 16.58% 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 Gharibwal Cement (KAR:GWLC) Overvalued in 2026?

Based on GuruFocus' analysis, Gharibwal Cement stock appears to be overvalued. The current stock price of ₨49.33 is trading 13.6% above its estimated GF Value™ of ₨43.42. GuruFocus considers Gharibwal Cement to be Modestly Overvalued.

Key valuation signals for KAR:GWLC:

  • Effective Interest Rate on Debt %: 16.58%
  • GF Value™: ₨43.42 vs. price of ₨49.33 (13.6% above fair value)
  • GF Score™: 90/100 with 2 warning signs

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


Gharibwal Cement Business Description

Address 27 H-Block, College Road, Gulberg-II, 1st Floor, Pace Tower, Lahore, PB, PAK
Gharibwal Cement Ltd is engaged in the production and sale of cement. The firm offers Ordinary Portland Cement (OPC) that is used in all general constructions, especially in prominent projects where cement is needed to meet strict quality requirements.
90GF Score

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

₨49.33
Price
₨43.42
GF Value