Inspiration Healthcare Group (LSE:IHC) Effective Interest Rate on Debt %: 7.03% (As of Jan. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LSE:IHC Inspiration Healthcare Group PLC LSE:IHC
47 GF Score
Price £0.19
GF Value £0.22
Valuation Modestly Undervalued
! 6 Warning Signs
View Full Analysis

What is Inspiration Healthcare Group Effective Interest Rate on Debt %?

Inspiration Healthcare Group LSE:IHC 47 Effective Interest Rate on Debt % is 7.03% as of Jan. 2026. GuruFocus rates LSE:IHC with a GF Score™ of 47/100 and a GF Value™ of £0.22 (Modestly Undervalued). 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. Inspiration Healthcare Group's annualized positive value of Interest Expense for the quarter that ended in Jan. 2026 was £0.87 Mil. Inspiration Healthcare Group's average total debt for the quarter that ended in Jan. 2026 was £12.34 Mil. Therefore, Inspiration Healthcare Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 was 7.03%.


Inspiration Healthcare Group  (LSE:IHC) Effective Interest Rate on Debt % Explanation

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


Inspiration Healthcare Group Effective Interest Rate on Debt % Related Terms


Inspiration Healthcare Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Inspiration Healthcare Group'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.

Inspiration Healthcare Group Effective Interest Rate on Debt % Chart

Inspiration Healthcare Group Annual Data
Trend Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.62 3.83 6.25 7.88 7.01

Inspiration Healthcare Group Semi-Annual Data
Jul16 Jan17 Jul17 Jan18 Jul18 Jan19 Jul19 Jan20 Jul20 Jan21 Jul21 Jan22 Jul22 Jan23 Jul23 Jan24 Jul24 Jan25 Jul25 Jan26
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 8.36 7.97 7.29 7.21 7.03

LSE:IHC vs ABT, SYK, MDT: Effective Interest Rate on Debt % Comparison

For the Medical Devices subindustry, Inspiration Healthcare Group'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.


Inspiration Healthcare Group Effective Interest Rate on Debt % vs Medical Devices & Instruments Industry

For the Medical Devices & Instruments industry and Healthcare sector, Inspiration Healthcare Group's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Inspiration Healthcare Group's Effective Interest Rate on Debt % falls into.


LSE:IHC
47GF Score
Inspiration Healthcare Group PLC LSE:IHC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Inspiration Healthcare Group Effective Interest Rate on Debt % Calculation

Inspiration Healthcare Group's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jan. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jan. 2025 )+Total Debt  (A: Jan. 2026 ))/ count )
=-1  *  -0.937/( (14.975+11.767)/ 2 )
=-1  *  -0.937/13.371
=7.01 %

where

Total Debt  (A: Jan. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=12.346 + 2.629
=14.975

Total Debt  (A: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9.044 + 2.723
=11.767

Inspiration Healthcare Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jul. 2025 )+Total Debt  (Q: Jan. 2026 ))/ count )
=-1  *  -0.868/( (12.915+11.767)/ 2 )
=-1  *  -0.868/12.341
=7.03 %

where

Total Debt  (Q: Jul. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.463 + 1.452
=12.915

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9.044 + 2.723
=11.767

* 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 two times the semi-annual (Jan. 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 7.03% mean?
Inspiration Healthcare Group (LSE:IHC) has a Effective Interest Rate on Debt % of 7.03% as of Jan. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Inspiration Healthcare Group and its competitors.
Is Inspiration Healthcare Group's Effective Interest Rate on Debt % too high?
Inspiration Healthcare Group's current Effective Interest Rate on Debt % is 7.03%. Overall, Inspiration Healthcare Group has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Inspiration Healthcare Group's Effective Interest Rate on Debt % compare to ABT and SYK?
Inspiration Healthcare Group's Effective Interest Rate on Debt % of 7.03% can be compared against companies in the Medical Devices & Instruments 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 Medical Devices & Instruments company?
A good Effective Interest Rate on Debt % depends on the Medical Devices & Instruments 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 Inspiration Healthcare Group and its competitors. Inspiration Healthcare Group's current Effective Interest Rate on Debt % is 7.03%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Inspiration Healthcare Group stock overvalued right now?
Based on GuruFocus' analysis, Inspiration Healthcare Group (LSE:IHC) is currently considered Modestly Undervalued. The stock's GF Value™ is £0.22, compared to a current price of £0.19 — trading 15.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 7.03%. Inspiration Healthcare Group's overall GF Score™ is 47/100 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 Inspiration Healthcare Group (LSE:IHC), the current Effective Interest Rate on Debt % is 7.03% as of Jan. 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 Inspiration Healthcare Group (LSE:IHC) Overvalued in 2026?

Based on GuruFocus' analysis, Inspiration Healthcare Group stock appears to be undervalued. The current stock price of £0.19 is trading 15.9% below its estimated GF Value™ of £0.22. GuruFocus considers Inspiration Healthcare Group to be Modestly Undervalued.

Key valuation signals for LSE:IHC:

  • Effective Interest Rate on Debt %: 7.03%
  • GF Value™: £0.22 vs. price of £0.19 (15.9% below fair value)
  • GF Score™: 47/100 with 6 warning signs

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


Inspiration Healthcare Group Business Description

Address Unit 7/8 Commerce Park, Commerce Way, Croydon, GBR, CR0 4YL
Inspiration Healthcare Group PLC supplies outcome-improving medical devices in the areas of neonatal intensive care and patient warming. It operates in the Critical Care Medical Devices segment which includes Critical Care, Operating Theatre, and Home Healthcare. The company derives the maximum of its revenue from the United Kingdom through the Critical Care market division.
47GF Score

Get the complete analysis for LSE:IHC

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

£0.19
Price
£0.22
GF Value