Creactives Group SpA (MIL:CREG) Effective Interest Rate on Debt %: 8.36% (As of Dec. 2025)

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MIL:CREG Creactives Group SpA MIL:CREG
29 GF Score
Price €2.96
GF Value €3.11
! 7 Warning Signs
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What is Creactives Group SpA Effective Interest Rate on Debt %?

Creactives Group SpA MIL:CREG 29 Effective Interest Rate on Debt % is 8.36% as of Dec. 2025. GuruFocus rates MIL:CREG with a GF Score™ of 29/100 and a GF Value™ of €3.11. The stock has 7 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. Creactives Group SpA's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.19 Mil. Creactives Group SpA's average total debt for the quarter that ended in Dec. 2025 was €2.22 Mil. Therefore, Creactives Group SpA's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 8.36%.


Creactives Group SpA  (MIL:CREG) Effective Interest Rate on Debt % Explanation

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


Creactives Group SpA Effective Interest Rate on Debt % Related Terms


Creactives Group SpA Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Creactives Group SpA'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.

Creactives Group SpA Effective Interest Rate on Debt % Chart

Creactives Group SpA Annual Data
Trend Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
3.67 0.06 7.67 7.74

Creactives Group SpA Semi-Annual Data
Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial 0.25 -0.22 7.26 6.52 8.36

MIL:CREG vs UBER, CRM, SHOP: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, Creactives Group SpA'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.


Creactives Group SpA Effective Interest Rate on Debt % vs Software Industry

For the Software industry and Technology sector, Creactives Group SpA's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Creactives Group SpA's Effective Interest Rate on Debt % falls into.


MIL:CREG
29GF Score
Creactives Group SpA MIL:CREG
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Creactives Group SpA Effective Interest Rate on Debt % Calculation

Creactives Group SpA's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -0.168/( (1.907+2.432)/ 2 )
=-1  *  -0.168/2.1695
=7.74 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.014 + 0.893
=1.907

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.512 + 0.92
=2.432

Creactives Group SpA'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  *  -0.186/( (2.432+2.017)/ 2 )
=-1  *  -0.186/2.2245
=8.36 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.512 + 0.92
=2.432

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.314 + 0.703
=2.017

* 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 8.36% mean?
Creactives Group SpA (MIL:CREG) has a Effective Interest Rate on Debt % of 8.36% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Creactives Group SpA and its competitors.
Is Creactives Group SpA's Effective Interest Rate on Debt % too high?
Creactives Group SpA's current Effective Interest Rate on Debt % is 8.36%. Overall, Creactives Group SpA has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does Creactives Group SpA's Effective Interest Rate on Debt % compare to UBER and CRM?
Creactives Group SpA's Effective Interest Rate on Debt % of 8.36% can be compared against companies in the Software 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 Software company?
A good Effective Interest Rate on Debt % depends on the Software 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 Creactives Group SpA and its competitors. Creactives Group SpA's current Effective Interest Rate on Debt % is 8.36%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creactives Group SpA stock overvalued right now?
Creactives Group SpA (MIL:CREG) has a current Effective Interest Rate on Debt % of 8.36%. The stock's GF Value™ is €3.11, compared to a current price of €2.96 — trading 4.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 8.36%. Creactives Group SpA's overall GF Score™ is 29/100 with 7 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 Creactives Group SpA (MIL:CREG), the current Effective Interest Rate on Debt % is 8.36% 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 Creactives Group SpA (MIL:CREG) Overvalued in 2026?

Based on GuruFocus' analysis, Creactives Group SpA stock appears to be undervalued. The current stock price of €2.96 is trading 4.8% below its estimated GF Value™ of €3.11.

Key valuation signals for MIL:CREG:

  • Effective Interest Rate on Debt %: 8.36%
  • GF Value™: €3.11 vs. price of €2.96 (4.8% below fair value)
  • GF Score™: 29/100 with 7 warning signs

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


Creactives Group SpA Business Description

Address Piazzale Luigi Cadorna 6, Verona, ITA, 37126
Creactives Group SpA through its subsidiaries, develops AI-powered semantic technologies for data management in the Supply Chain and Procurement industry. The company through collaboration with its partners, creates technological projects providing its customers with support in supply chain data management activities based on; the collaborative AI-semantic technology platform, Vanessa, to create the digital twin of (cleaned and categorized) customer supply chain data, and then developing a system of applications using the data collected, and offering it to the customers.
29GF 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.

€2.96
Price
€3.11
GF Value