Powszechny Zaklad Ubezpieczen (LTS:0MYY) Effective Interest Rate on Debt %: 17.18% (As of Mar. 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.

LTS:0MYY Powszechny Zaklad Ubezpieczen SA LTS:0MYY
80 GF Score
Price zł42.09
GF Value zł37.19
! 9 Warning Signs
View Full Analysis

What is Powszechny Zaklad Ubezpieczen Effective Interest Rate on Debt %?

Powszechny Zaklad Ubezpieczen LTS:0MYY 80 Effective Interest Rate on Debt % is 17.18% as of Mar. 2026. GuruFocus rates LTS:0MYY with a GF Score™ of 80/100 and a GF Value™ of zł37.19. The stock has 9 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. Powszechny Zaklad Ubezpieczen's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was zł6,296 Mil. Powszechny Zaklad Ubezpieczen's average total debt for the quarter that ended in Mar. 2026 was zł36,642 Mil. Therefore, Powszechny Zaklad Ubezpieczen's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 17.18%.


Powszechny Zaklad Ubezpieczen  (LTS:0MYY) Effective Interest Rate on Debt % Explanation

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


Powszechny Zaklad Ubezpieczen Effective Interest Rate on Debt % Related Terms


Powszechny Zaklad Ubezpieczen Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Powszechny Zaklad Ubezpieczen'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.

Powszechny Zaklad Ubezpieczen Effective Interest Rate on Debt % Chart

Powszechny Zaklad Ubezpieczen Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.02 21.80 35.87 29.45 22.00

Powszechny Zaklad Ubezpieczen 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 27.30 26.48 23.03 18.50 17.18

LTS:0MYY vs CB, PGR, TRV: Effective Interest Rate on Debt % Comparison

For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen'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.


Powszechny Zaklad Ubezpieczen Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Powszechny Zaklad Ubezpieczen's Effective Interest Rate on Debt % falls into.


LTS:0MYY
80GF Score
Powszechny Zaklad Ubezpieczen SA LTS:0MYY
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Powszechny Zaklad Ubezpieczen Effective Interest Rate on Debt % Calculation

Powszechny Zaklad Ubezpieczen'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  *  -7415/( (30469+36939)/ 2 )
=-1  *  -7415/33704
=22.00 %

where

Powszechny Zaklad Ubezpieczen'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  *  -6296/( (36939+36344)/ 2 )
=-1  *  -6296/36641.5
=17.18 %

where

* 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 17.18% mean?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a Effective Interest Rate on Debt % of 17.18% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Powszechny Zaklad Ubezpieczen and its competitors.
Is Powszechny Zaklad Ubezpieczen's Effective Interest Rate on Debt % too high?
Powszechny Zaklad Ubezpieczen's current Effective Interest Rate on Debt % is 17.18%. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Effective Interest Rate on Debt % compare to CB and PGR?
Powszechny Zaklad Ubezpieczen's Effective Interest Rate on Debt % of 17.18% can be compared against companies in the Insurance 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 Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 Powszechny Zaklad Ubezpieczen and its competitors. Powszechny Zaklad Ubezpieczen's current Effective Interest Rate on Debt % is 17.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Powszechny Zaklad Ubezpieczen stock overvalued right now?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a current Effective Interest Rate on Debt % of 17.18%. The stock's GF Value™ is zł37.19, compared to a current price of zł42.09 — trading 13.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 17.18%. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 80/100 with 9 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current Effective Interest Rate on Debt % is 17.18% 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY) Overvalued in 2026?

Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued. The current stock price of zł42.09 is trading 13.2% above its estimated GF Value™ of zł37.19.

Key valuation signals for LTS:0MYY:

  • Effective Interest Rate on Debt %: 17.18%
  • GF Value™: zł37.19 vs. price of zł42.09 (13.2% above fair value)
  • GF Score™: 80/100 with 9 warning signs

No single metric tells the full story. See the LTS:0MYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Powszechny Zaklad Ubezpieczen Business Description

Address Al. Jana Pawla II 24, Warsaw, POL, 00-133
Powszechny Zaklad Ubezpieczen SA is a property and casualty insurance company that operates in the Central and Eastern European region with an emphasis on the Polish market. The company's main strategic objectives include stable financial results, broad growth, and innovation. The vast majority of Powszechny's revenue is generated from gross written premiums, followed by results of its investment activities. The company serves clients through its own agency network along with sales through external agency centers.
80GF Score

Get the complete analysis for LTS:0MYY

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

zł42.09
Price
zł37.19
GF Value