National Foods FZCO (KAR:NATF) Effective Interest Rate on Debt %: 9.81% (As of Mar. 2026)

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KAR:NATF National Foods FZCO KAR:NATF
95 GF Score
Price ₨384.04
GF Value ₨263.44
Valuation Significantly Overvalued
! 6 Warning Signs
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What is National Foods FZCO Effective Interest Rate on Debt %?

National Foods FZCO KAR:NATF -1.15% 95 Effective Interest Rate on Debt % is 9.81% as of Mar. 2026. GuruFocus rates KAR:NATF with a GF Score™ of 95/100 and a GF Value™ of ₨263.44 (Significantly Overvalued). The stock has 6 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. National Foods FZCO's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₨1,092 Mil. National Foods FZCO's average total debt for the quarter that ended in Mar. 2026 was ₨11,133 Mil. Therefore, National Foods FZCO's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 9.81%.


National Foods FZCO  (KAR:NATF) Effective Interest Rate on Debt % Explanation

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


National Foods FZCO Effective Interest Rate on Debt % Related Terms


National Foods FZCO Effective Interest Rate on Debt % Historical Data

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The historical data trend for National Foods FZCO'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.

National Foods FZCO Effective Interest Rate on Debt % Chart

National Foods FZCO 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 6.49 3.79 7.70 13.47 10.51

National Foods FZCO 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 6.59 15.30 7.95 10.63 9.81

KAR:NATF vs KHC, GIS: Effective Interest Rate on Debt % Comparison

For the Packaged Foods subindustry, National Foods FZCO'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.


National Foods FZCO Effective Interest Rate on Debt % vs Consumer Packaged Goods Industry

For the Consumer Packaged Goods industry and Consumer Defensive sector, National Foods FZCO's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where National Foods FZCO's Effective Interest Rate on Debt % falls into.


KAR:NATF
95GF Score
National Foods FZCO KAR:NATF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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National Foods FZCO Effective Interest Rate on Debt % Calculation

National Foods FZCO'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  *  -1720.715/( (16904.186+15827.206)/ 2 )
=-1  *  -1720.715/16365.696
=10.51 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11315.789 + 5588.397
=16904.186

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=10393.331 + 5433.875
=15827.206

National Foods FZCO'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  *  -1091.66/( (11444.15+10822.319)/ 2 )
=-1  *  -1091.66/11133.2345
=9.81 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5160.232 + 6283.918
=11444.15

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5047.389 + 5774.93
=10822.319

* 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 9.81% mean?
National Foods FZCO (KAR:NATF) has a Effective Interest Rate on Debt % of 9.81% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on National Foods FZCO and its competitors.
Is National Foods FZCO's Effective Interest Rate on Debt % too high?
National Foods FZCO's current Effective Interest Rate on Debt % is 9.81%. Overall, National Foods FZCO has a GF Score™ of 95/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Foods FZCO's Effective Interest Rate on Debt % compare to KHC and GIS?
National Foods FZCO's Effective Interest Rate on Debt % of 9.81% can be compared against companies in the Consumer Packaged Goods 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 Consumer Packaged Goods company?
A good Effective Interest Rate on Debt % depends on the Consumer Packaged Goods 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 National Foods FZCO and its competitors. National Foods FZCO's current Effective Interest Rate on Debt % is 9.81%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Foods FZCO stock overvalued right now?
Based on GuruFocus' analysis, National Foods FZCO (KAR:NATF) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨263.44, compared to a current price of ₨384.04 — trading 45.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 9.81%. National Foods FZCO's overall GF Score™ is 95/100 with 6 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 National Foods FZCO (KAR:NATF), the current Effective Interest Rate on Debt % is 9.81% 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 National Foods FZCO (KAR:NATF) Overvalued in 2026?

Based on GuruFocus' analysis, National Foods FZCO stock appears to be overvalued. The current stock price of ₨384.04 is trading 45.8% above its estimated GF Value™ of ₨263.44. GuruFocus considers National Foods FZCO to be Significantly Overvalued.

Key valuation signals for KAR:NATF:

  • Effective Interest Rate on Debt %: 9.81%
  • GF Value™: ₨263.44 vs. price of ₨384.04 (45.8% above fair value)
  • GF Score™: 95/100 with 6 warning signs

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


National Foods FZCO Business Description

Address 12/CL-6, Claremont Road, Civil Lines, Karachi, SD, PAK, 75530
National Foods FZCO, formerly known as National Foods Ltd, is a Pakistan-based multi-category food company. It is principally engaged in the manufacturing and sale of convenience food products. The company's operating segment includes Food and food-related products and Retail. It generates maximum revenue from the Food and food-related products segment. Geographically, it derives the majority of revenue from Pakistan and also has a presence in KSA/Canada, the Middle East. The products of the company include desserts, jams, pickles, frozen meals, ketchup, recipe masala, rice, basic spices, and snacks.
95GF Score

Get the complete analysis for KAR:NATF

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

₨384.04
Price
₨263.44
GF Value