Mapfre Middlesea (MAL:MMS) Effective Interest Rate on Debt %: 0.00% (As of Dec. 2025)


MAL:MMS Mapfre Middlesea PLC MAL:MMS
53 GF Score
Price €1.45
GF Value €1.36
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Mapfre Middlesea Effective Interest Rate on Debt %?

Mapfre Middlesea MAL:MMS 53 Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. GuruFocus rates MAL:MMS with a GF Score™ of 53/100 and a GF Value™ of €1.36 (Fairly Valued). 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. Mapfre Middlesea's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.0 Mil. Mapfre Middlesea's average total debt for the quarter that ended in Dec. 2025 was €2.0 Mil. Therefore, Mapfre Middlesea's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.00%.

Mapfre Middlesea  (MAL:MMS) Effective Interest Rate on Debt % Explanation

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

Mapfre Middlesea Effective Interest Rate on Debt % Related Terms

Mapfre Middlesea Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Mapfre Middlesea'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.

Mapfre Middlesea Effective Interest Rate on Debt % Chart

Mapfre Middlesea 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 787.95 77.03 371.73 353.23 243.19

Mapfre Middlesea Semi-Annual Data
Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Dec24 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 Premium Member Only Premium Member Only 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

MAL:MMS vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, Mapfre Middlesea'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.

Mapfre Middlesea Effective Interest Rate on Debt % vs Insurance Industry

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

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


MAL:MMS
53GF Score
Mapfre Middlesea PLC MAL:MMS
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mapfre Middlesea Effective Interest Rate on Debt % Calculation

Mapfre Middlesea'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  *  -4.786/( (1.79+2.146)/ 2 )
=-1  *  -4.786/1.968
=243.19 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.79 + 0
=1.79

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.146 + 0
=2.146

Mapfre Middlesea'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: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  0/( (1.79+2.146)/ 2 )
=-1  *  0/1.968
=0.00 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.79 + 0
=1.79

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.146 + 0
=2.146

* 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?
Mapfre Middlesea (MAL:MMS) 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 Mapfre Middlesea and its competitors.
Is Mapfre Middlesea's Effective Interest Rate on Debt % too high?
Mapfre Middlesea's current Effective Interest Rate on Debt % is 0.00%. Overall, Mapfre Middlesea has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mapfre Middlesea's Effective Interest Rate on Debt % compare to BRK.A and AIG?
Mapfre Middlesea'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 Mapfre Middlesea and its competitors. Mapfre Middlesea'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 Mapfre Middlesea stock overvalued right now?
Based on GuruFocus' analysis, Mapfre Middlesea (MAL:MMS) is currently considered Fairly Valued. The stock's GF Value™ is €1.36, compared to a current price of €1.45 — trading 6.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Mapfre Middlesea's overall GF Score™ is 53/100 with 2 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 Mapfre Middlesea (MAL:MMS), 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.

Is Mapfre Middlesea (MAL:MMS) Overvalued in 2026?

Based on GuruFocus' analysis, Mapfre Middlesea stock appears to be overvalued. The current stock price of €1.45 is trading 6.6% above its estimated GF Value™ of €1.36. GuruFocus considers Mapfre Middlesea to be Fairly Valued.

Key valuation signals for MAL:MMS:

  • Effective Interest Rate on Debt %: 0.00%
  • GF Value™: €1.36 vs. price of €1.45 (6.6% above fair value)
  • GF Score™: 53/100 with 2 warning signs

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

Mapfre Middlesea Business Description

Address Middle Sea House, Floriana, MLT, FRN1442
Mapfre Middlesea PLC is an insurance company. The segments of the company are motor, Fire and other damage to property, Health, Other classes, and group life. The company provides services to individuals and businesses. The company generates the majority of its revenue from the Motor segment. The group operates only in Malta.
53GF Score

Get the complete analysis for MAL:MMS

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

€1.45
Price
€1.36
GF Value