CPI FIM (LUX:ORCL) Effective Interest Rate on Debt %: 7.48% (As of Mar. 2026)


LUX:ORCL CPI FIM SA LUX:ORCL
87 GF Score
Price €0.71
GF Value €1.01
Valuation Possible Value Trap
! 8 Warning Signs
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What is CPI FIM Effective Interest Rate on Debt %?

CPI FIM LUX:ORCL 87 Effective Interest Rate on Debt % is 7.48% as of Mar. 2026. GuruFocus rates LUX:ORCL with a GF Score™ of 87/100 and a GF Value™ of €1.01 (Possible Value Trap). The stock has 8 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. CPI FIM's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €68.3 Mil. CPI FIM's average total debt for the quarter that ended in Mar. 2026 was €912.4 Mil. Therefore, CPI FIM's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 7.48%.


CPI FIM  (LUX:ORCL) Effective Interest Rate on Debt % Explanation

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


CPI FIM Effective Interest Rate on Debt % Related Terms


CPI FIM Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for CPI FIM'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.

CPI FIM Effective Interest Rate on Debt % Chart

CPI FIM 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 2.96 2.38 2.96 3.35 4.18

CPI FIM 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 6.02 6.19 5.85 9.03 7.48

LUX:ORCL vs CBRE, BEKE, JLL: Effective Interest Rate on Debt % Comparison

For the Real Estate Services subindustry, CPI FIM'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.


CPI FIM Effective Interest Rate on Debt % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, CPI FIM's Effective Interest Rate on Debt % distribution charts can be found below:

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


LUX:ORCL
87GF Score
CPI FIM SA LUX:ORCL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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CPI FIM Effective Interest Rate on Debt % Calculation

CPI FIM'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  *  -124.544/( (4172.485+1793.498)/ 2 )
=-1  *  -124.544/2982.9915
=4.18 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4003.698 + 168.787
=4172.485

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=888.726 + 904.772
=1793.498

CPI FIM'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  *  -68.288/( (1793.498+31.213)/ 2 )
=-1  *  -68.288/912.3555
=7.48 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=888.726 + 904.772
=1793.498

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 31.213
=31.213

* 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 7.48% mean?
CPI FIM (LUX:ORCL) has a Effective Interest Rate on Debt % of 7.48% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CPI FIM and its competitors.
Is CPI FIM's Effective Interest Rate on Debt % too high?
CPI FIM's current Effective Interest Rate on Debt % is 7.48%. Overall, CPI FIM has a GF Score™ of 87/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does CPI FIM's Effective Interest Rate on Debt % compare to CBRE and BEKE?
CPI FIM's Effective Interest Rate on Debt % of 7.48% can be compared against companies in the Real Estate 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 Real Estate company?
A good Effective Interest Rate on Debt % depends on the Real Estate 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 CPI FIM and its competitors. CPI FIM's current Effective Interest Rate on Debt % is 7.48%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CPI FIM stock overvalued right now?
Based on GuruFocus' analysis, CPI FIM (LUX:ORCL) is currently considered Possible Value Trap. The stock's GF Value™ is €1.01, compared to a current price of €0.71 — trading 30.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 7.48%. CPI FIM's overall GF Score™ is 87/100 with 8 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 CPI FIM (LUX:ORCL), the current Effective Interest Rate on Debt % is 7.48% 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 CPI FIM (LUX:ORCL) Overvalued in 2026?

Based on GuruFocus' analysis, CPI FIM stock appears to be undervalued. The current stock price of €0.71 is trading 30.2% below its estimated GF Value™ of €1.01. GuruFocus considers CPI FIM to be Possible Value Trap.

Key valuation signals for LUX:ORCL:

  • Effective Interest Rate on Debt %: 7.48%
  • GF Value™: €1.01 vs. price of €0.71 (30.2% below fair value)
  • GF Score™: 87/100 with 8 warning signs

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


CPI FIM Business Description

Address 40, rue de la Vallee, Luxembourg, LUX, L-2661
CPI FIM SA is an investor, developer, and asset manager in the Central European real estate and hospitality market. It operates prominently in Central Europe. It is engaged in the financing of entities within the CPIPG Group and also holds and operates a property portfolio. The company is focused on long-term investments and real-estate leases, in the Central European region. It owns rental income-generating properties mainly in the office and retail segment but is also focused on an extensive portfolio of land plots in the Czech Republic.
87GF 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.

€0.71
Price
€1.01
GF Value