Steico SE (MIL:1ST) Effective Interest Rate on Debt %: 3.90% (As of Dec. 2025)


MIL:1ST Steico SE MIL:1ST
51 GF Score
Price €20.30
GF Value €27.52
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Steico SE Effective Interest Rate on Debt %?

Steico SE MIL:1ST 51 Effective Interest Rate on Debt % is 3.90% as of Dec. 2025. GuruFocus rates MIL:1ST with a GF Score™ of 51/100 and a GF Value™ of €27.52 (Modestly Undervalued). 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. Steico SE's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €6.1 Mil. Steico SE's average total debt for the quarter that ended in Dec. 2025 was €155.7 Mil. Therefore, Steico SE's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 3.90%.


Steico SE  (MIL:1ST) Effective Interest Rate on Debt % Explanation

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


Steico SE Effective Interest Rate on Debt % Related Terms


Steico SE Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Steico SE'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.

Steico SE Effective Interest Rate on Debt % Chart

Steico SE 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 1.22 1.52 3.99 5.45 4.13

Steico SE Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.06 5.60 5.05 3.98 3.90

MIL:1ST vs SSD, UFPI, BCC: Effective Interest Rate on Debt % Comparison

For the Lumber & Wood Production subindustry, Steico SE'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.


Steico SE Effective Interest Rate on Debt % vs Forest Products Industry

For the Forest Products industry and Basic Materials sector, Steico SE's Effective Interest Rate on Debt % distribution charts can be found below:

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


MIL:1ST
51GF Score
Steico SE MIL:1ST
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Steico SE Effective Interest Rate on Debt % Calculation

Steico SE'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  *  -6.43/( (170.486+141.046)/ 2 )
=-1  *  -6.43/155.766
=4.13 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=170.029 + 0.457
=170.486

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.571 + 140.475
=141.046

Steico SE'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  *  -6.07/( (170.371+141.046)/ 2 )
=-1  *  -6.07/155.7085
=3.90 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=170.371 + 0
=170.371

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.571 + 140.475
=141.046

* 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 3.90% mean?
Steico SE (MIL:1ST) has a Effective Interest Rate on Debt % of 3.90% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Steico SE and its competitors.
Is Steico SE's Effective Interest Rate on Debt % too high?
Steico SE's current Effective Interest Rate on Debt % is 3.90%. Overall, Steico SE has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Steico SE's Effective Interest Rate on Debt % compare to SSD and UFPI?
Steico SE's Effective Interest Rate on Debt % of 3.90% can be compared against companies in the Forest Products 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 Forest Products company?
A good Effective Interest Rate on Debt % depends on the Forest Products 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 Steico SE and its competitors. Steico SE's current Effective Interest Rate on Debt % is 3.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Steico SE stock overvalued right now?
Based on GuruFocus' analysis, Steico SE (MIL:1ST) is currently considered Modestly Undervalued. The stock's GF Value™ is €27.52, compared to a current price of €20.30 — trading 26.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.90%. Steico SE's overall GF Score™ is 51/100 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 Steico SE (MIL:1ST), the current Effective Interest Rate on Debt % is 3.90% 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 Steico SE (MIL:1ST) Overvalued in 2026?

Based on GuruFocus' analysis, Steico SE stock appears to be undervalued. The current stock price of €20.30 is trading 26.2% below its estimated GF Value™ of €27.52. GuruFocus considers Steico SE to be Modestly Undervalued.

Key valuation signals for MIL:1ST:

  • Effective Interest Rate on Debt %: 3.90%
  • GF Value™: €27.52 vs. price of €20.30 (26.2% below fair value)
  • GF Score™: 51/100 with 6 warning signs

No single metric tells the full story. See the MIL:1ST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Steico SE Business Description

Address Otto-Lilienthal-Ring 30, Feldkirchen, DEU, 85622
Steico SE is engaged in the production and sale of a variety of wood fiber insulation products in the European market. Its products include expansion joint fillers, thermal insulation, floor insulation system, multi-purpose rigid insulation boards, multi-purpose wood fiberboards, thermal insulation composite system, sarking, and sheathing boards, construction elements, laminated veneer lumber, sealing systems, and others. The company operates in Germany, European Countries, and the rest of the world.
51GF Score

Get the complete analysis for MIL:1ST

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

€20.30
Price
€27.52
GF Value