Hi-Tech Lubricants (KAR:HTL) Effective Interest Rate on Debt %: 14.84% (As of Mar. 2026)

What is Hi-Tech Lubricants Effective Interest Rate on Debt %?

Hi-Tech Lubricants KAR:HTL -3.43% 78 Effective Interest Rate on Debt % is 14.84% as of Mar. 2026. GuruFocus rates KAR:HTL with a GF Score™ of 78/100 and a GF Value™ of ₨70.60 (Significantly Undervalued). The stock has 4 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. Hi-Tech Lubricants's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₨489 Mil. Hi-Tech Lubricants's average total debt for the quarter that ended in Mar. 2026 was ₨3,296 Mil. Therefore, Hi-Tech Lubricants's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 14.84%.

Hi-Tech Lubricants (KAR:HTL) Effective Interest Rate on Debt % Explanation

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

Hi-Tech Lubricants Effective Interest Rate on Debt % Related Terms

Hi-Tech Lubricants Effective Interest Rate on Debt % Historical Data

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The historical data trend for Hi-Tech Lubricants'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.

Hi-Tech Lubricants Effective Interest Rate on Debt % Chart

Hi-Tech Lubricants Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

Effective Interest Rate on Debt %

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8.58

12.79

20.80

21.92

16.30

Hi-Tech Lubricants 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															15.49	11.69	14.57	14.25	14.84

KAR:HTL vs VLO, MPC, PSX: Effective Interest Rate on Debt % Comparison

For the Oil & Gas Refining & Marketing subindustry, Hi-Tech Lubricants'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.

Hi-Tech Lubricants Effective Interest Rate on Debt % vs Oil & Gas Industry

For the Oil & Gas industry and Energy sector, Hi-Tech Lubricants's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Hi-Tech Lubricants's Effective Interest Rate on Debt % falls into.

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78GF Score

Hi-Tech Lubricants Ltd KAR:HTL

Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.

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Hi-Tech Lubricants Effective Interest Rate on Debt % Calculation

Hi-Tech Lubricants'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 * -545.216	/	( (3307.653	+	3384.042)	/ 2 )
=	-1 * -545.216	/	3345.8475
=	16.30 %

where

	Total Debt (A: Jun. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	1001.687	+	2305.966
=	3307.653

	Total Debt (A: Jun. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	814.689	+	2569.353
=	3384.042

Hi-Tech Lubricants'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 * -489.088	/	( (3351.417	+	3240.485)	/ 2 )
=	-1 * -489.088	/	3295.951
=	14.84 %

where

	Total Debt (Q: Dec. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	812.232	+	2539.185
=	3351.417

	Total Debt (Q: Mar. 2026 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	1090.985	+	2149.5
=	3240.485

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.

Frequently Asked Questions Learn more about Effective Interest Rate on Debt % →

What does a Effective Interest Rate on Debt % of 14.84% mean?

Hi-Tech Lubricants (KAR:HTL) has a Effective Interest Rate on Debt % of 14.84% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Hi-Tech Lubricants and its competitors.

Is Hi-Tech Lubricants' Effective Interest Rate on Debt % too high?

Hi-Tech Lubricants' current Effective Interest Rate on Debt % is 14.84%. Overall, Hi-Tech Lubricants has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Hi-Tech Lubricants' Effective Interest Rate on Debt % compare to VLO and MPC?

Hi-Tech Lubricants' Effective Interest Rate on Debt % of 14.84% can be compared against companies in the Oil & Gas 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 Oil & Gas company?

A good Effective Interest Rate on Debt % depends on the Oil & Gas 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 Hi-Tech Lubricants and its competitors. Hi-Tech Lubricants's current Effective Interest Rate on Debt % is 14.84%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Hi-Tech Lubricants stock overvalued right now?

Based on GuruFocus' analysis, Hi-Tech Lubricants (KAR:HTL) is currently considered Significantly Undervalued. The stock's GF Value™ is ₨70.60, compared to a current price of ₨45.92 — trading 35% below its estimated fair value. The current Effective Interest Rate on Debt % is 14.84%. Hi-Tech Lubricants' overall GF Score™ is 78/100 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 Hi-Tech Lubricants (KAR:HTL), the current Effective Interest Rate on Debt % is 14.84% 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 Hi-Tech Lubricants (KAR:HTL) Overvalued in 2026?

Based on GuruFocus' analysis, Hi-Tech Lubricants stock appears to be undervalued. The current stock price of ₨45.92 is trading 35% below its estimated GF Value™ of ₨70.60. GuruFocus considers Hi-Tech Lubricants to be Significantly Undervalued.

Key valuation signals for KAR:HTL:

Effective Interest Rate on Debt %: 14.84%
GF Value™: ₨70.60 vs. price of ₨45.92 (35% below fair value)
GF Score™: 78/100 with 4 warning signs

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

Hi-Tech Lubricants Business Description

Industry Energy Oil & Gas

Comparable Companies KAR:HASCOL KAR:PRL KAR:NRL NSE:RELIANCE VLO MPC PSX XKAZ:KMGZ OHEL:NESTE NSE:IOC TSE:5020 TPE:6505 BOM:500547 SUN DINO XKRX:096770 BUD:MOL TSE:5019 IST:TUPRS NSE:HINDPETRO

Address 1-A, Danepur Road, G.O.R-1, Lahore, PB, PAK

Website https://www.hitechlubricants.com

Hi-Tech Lubricants Ltd is a company whose principal activity is to procure and distribute lubricants and petroleum products. It serves Automotive, Industrial and Marine sectors. It has three reportable segments being Lubricants, polymer and Petroleum products. The company generates the majority of its revenue from petroleum products.

78GF 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.

₨45.92

Price

₨70.60

GF Value

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