Adalan Ventures (LSE:ZAIM) Effective Interest Rate on Debt %: 0.00% (As of Dec. 2025)

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What is Adalan Ventures Effective Interest Rate on Debt %?

Adalan Ventures LSE:ZAIM Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. 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. Adalan Ventures's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was £0.00 Mil. Adalan Ventures's average total debt for the quarter that ended in Dec. 2025 was £0.04 Mil. Therefore, Adalan Ventures's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.00%.

Adalan Ventures  (LSE:ZAIM) Effective Interest Rate on Debt % Explanation

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

Adalan Ventures Effective Interest Rate on Debt % Related Terms

Adalan Ventures Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Adalan Ventures'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.

Adalan Ventures Effective Interest Rate on Debt % Chart

Adalan Ventures Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 12.89 4.79 11.64 0.00 0.00

Adalan Ventures Semi-Annual Data
Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Jun23 Jun24 Dec24 Jun25 Dec25
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 0.00 0.00 0.00 0.00 0.00

LSE:ZAIM vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Adalan Ventures'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.

Adalan Ventures Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Adalan Ventures's Effective Interest Rate on Debt % distribution charts can be found below:

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


Adalan Ventures Effective Interest Rate on Debt % Calculation

Adalan Ventures'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  *  0/( (0.03+0.042)/ 2 )
=-1  *  0/0.036
=0.00 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.03 + 0
=0.03

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.042 + 0
=0.042

Adalan Ventures's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  0/( (0.03+0.042)/ 2 )
=-1  *  0/0.036
=0.00 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.03 + 0
=0.03

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.042 + 0
=0.042

* 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 (Dec. 2025) 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 0.00% mean?
Adalan Ventures (LSE:ZAIM) has a Effective Interest Rate on Debt % of 0.00% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Adalan Ventures and its competitors.
Is Adalan Ventures' Effective Interest Rate on Debt % too high?
Adalan Ventures' current Effective Interest Rate on Debt % is 0.00%.
How does Adalan Ventures' Effective Interest Rate on Debt % compare to V and MA?
Adalan Ventures' Effective Interest Rate on Debt % of 0.00% can be compared against companies in the Credit Services 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services 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 Adalan Ventures and its competitors. Adalan Ventures's current Effective Interest Rate on Debt % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adalan Ventures stock overvalued right now?
Adalan Ventures (LSE:ZAIM) has a current Effective Interest Rate on Debt % of 0.00%. The current Effective Interest Rate on Debt % is 0.00%. 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 Adalan Ventures (LSE:ZAIM), the current Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. 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.

Adalan Ventures Business Description

Address Trekhgorny Lane, Room No.1 -12, Structure 7, Moscow, RUS, 123022
Adalan Ventures PLC Formerly Zaim Credit Systems PLC is a regulated microfinance company in the Russian Federation. The main activity of the company is to provide financial services, except for insurance and pension services. It also provides loans and other types of credit.