LifeStar Insurance (MAL:LSI) Effective Interest Rate on Debt %: 0.00% (As of Dec. 2025)


MAL:LSI LifeStar Insurance PLC MAL:LSI
17 GF Score
Price €0.65
! 6 Warning Signs
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What is LifeStar Insurance Effective Interest Rate on Debt %?

LifeStar Insurance MAL:LSI 17 Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. GuruFocus rates MAL:LSI with a GF Score™ of 17/100. 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. LifeStar Insurance's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.00 Mil. LifeStar Insurance's average total debt for the quarter that ended in Dec. 2025 was €2.26 Mil. Therefore, LifeStar Insurance's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.00%.

LifeStar Insurance  (MAL:LSI) Effective Interest Rate on Debt % Explanation

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

LifeStar Insurance Effective Interest Rate on Debt % Related Terms

LifeStar Insurance Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for LifeStar Insurance'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.

LifeStar Insurance Effective Interest Rate on Debt % Chart

LifeStar Insurance Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 5.15 4.55 4.47 4.39 4.33

LifeStar Insurance Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 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 0.00 0.00 0.00 0.00 0.00

MAL:LSI vs AFL, MET, PRU: Effective Interest Rate on Debt % Comparison

For the Insurance - Life subindustry, LifeStar Insurance'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.

LifeStar Insurance Effective Interest Rate on Debt % vs Insurance Industry

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

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


MAL:LSI
17GF Score
LifeStar Insurance PLC MAL:LSI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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LifeStar Insurance Effective Interest Rate on Debt % Calculation

LifeStar Insurance'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  *  -0.097/( (2.223+2.255)/ 2 )
=-1  *  -0.097/2.239
=4.33 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.223 + 0
=2.223

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.255 + 0
=2.255

LifeStar Insurance'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/( (2.257+2.255)/ 2 )
=-1  *  0/2.256
=0.00 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.257 + 0
=2.257

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.255 + 0
=2.255

* 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?
LifeStar Insurance (MAL:LSI) 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 LifeStar Insurance and its competitors.
Is LifeStar Insurance's Effective Interest Rate on Debt % too high?
LifeStar Insurance's current Effective Interest Rate on Debt % is 0.00%. Overall, LifeStar Insurance has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does LifeStar Insurance's Effective Interest Rate on Debt % compare to AFL and MET?
LifeStar Insurance's Effective Interest Rate on Debt % of 0.00% 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 LifeStar Insurance and its competitors. LifeStar Insurance'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 LifeStar Insurance stock overvalued right now?
LifeStar Insurance (MAL:LSI) has a current Effective Interest Rate on Debt % of 0.00%. The current Effective Interest Rate on Debt % is 0.00%. LifeStar Insurance's overall GF Score™ is 17/100 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 LifeStar Insurance (MAL:LSI), 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.

LifeStar Insurance Business Description

Address Testaferrata Street, LifeStar Building, Ta’ Xbiex, MLT, XBX1403
LifeStar Insurance PLC is a provider of insurance products in Malta offering customers a comprehensive range of protection, savings and investment and retirement life insurance products. Its products are classified under Protection, Savings and Investment, Retirement, and Health products. The company has it's geographical concentration in Italy and Malta regions.
17GF 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.

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