Capricorn Group (NAM:CGP) Effective Interest Rate on Debt %: 61.85% (As of Dec. 2025)


NAM:CGP Capricorn Group Ltd NAM:CGP
64 GF Score
Price R28.20
GF Value R24.09
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Capricorn Group Effective Interest Rate on Debt %?

Capricorn Group NAM:CGP 64 Effective Interest Rate on Debt % is 61.85% as of Dec. 2025. GuruFocus rates NAM:CGP with a GF Score™ of 64/100 and a GF Value™ of R24.09 (Modestly Overvalued). The stock has 5 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. Capricorn Group's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was R3,467 Mil. Capricorn Group's average total debt for the quarter that ended in Dec. 2025 was R5,605 Mil. Therefore, Capricorn Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 61.85%.

Capricorn Group  (NAM:CGP) Effective Interest Rate on Debt % Explanation

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

Capricorn Group Effective Interest Rate on Debt % Related Terms

Capricorn Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Capricorn Group'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.

Capricorn Group Effective Interest Rate on Debt % Chart

Capricorn Group Annual Data
Trend Jun12 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.12 28.11 48.30 60.02 59.41

Capricorn Group Semi-Annual Data
Jun12 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 59.97 59.37 56.04 55.21 61.85

NAM:CGP vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Capricorn Group'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.

Capricorn Group Effective Interest Rate on Debt % vs Banks Industry

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

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


NAM:CGP
64GF Score
Capricorn Group Ltd NAM:CGP
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Capricorn Group Effective Interest Rate on Debt % Calculation

Capricorn Group'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  *  -3389.909/( (6079.457+5333.138)/ 2 )
=-1  *  -3389.909/5706.2975
=59.41 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6079.457 + 0
=6079.457

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5333.138 + 0
=5333.138

Capricorn Group'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  *  -3466.84/( (5333.138+5877.142)/ 2 )
=-1  *  -3466.84/5605.14
=61.85 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5333.138 + 0
=5333.138

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5877.142 + 0
=5877.142

* 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 61.85% mean?
Capricorn Group (NAM:CGP) has a Effective Interest Rate on Debt % of 61.85% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Capricorn Group and its competitors.
Is Capricorn Group's Effective Interest Rate on Debt % too high?
Capricorn Group's current Effective Interest Rate on Debt % is 61.85%. Overall, Capricorn Group has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capricorn Group's Effective Interest Rate on Debt % compare to PNC and USB?
Capricorn Group's Effective Interest Rate on Debt % of 61.85% can be compared against companies in the Banks 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 Banks company?
A good Effective Interest Rate on Debt % depends on the Banks 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 Capricorn Group and its competitors. Capricorn Group's current Effective Interest Rate on Debt % is 61.85%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capricorn Group stock overvalued right now?
Based on GuruFocus' analysis, Capricorn Group (NAM:CGP) is currently considered Modestly Overvalued. The stock's GF Value™ is R24.09, compared to a current price of R28.20 — trading 17.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 61.85%. Capricorn Group's overall GF Score™ is 64/100 with 5 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 Capricorn Group (NAM:CGP), the current Effective Interest Rate on Debt % is 61.85% 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 Capricorn Group (NAM:CGP) Overvalued in 2026?

Based on GuruFocus' analysis, Capricorn Group stock appears to be overvalued. The current stock price of R28.20 is trading 17.1% above its estimated GF Value™ of R24.09. GuruFocus considers Capricorn Group to be Modestly Overvalued.

Key valuation signals for NAM:CGP:

  • Effective Interest Rate on Debt %: 61.85%
  • GF Value™: R24.09 vs. price of R28.20 (17.1% above fair value)
  • GF Score™: 64/100 with 5 warning signs

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

Capricorn Group Business Description

Address Kasino Street, Capricorn Group Building, P.O.Box 15, 6th floor, Windhoek, NAM
Capricorn Group Ltd is a Namibia-based financial services group. It operates as an investment holding company with interests in banking, insurance, asset management, and microlending. The banking operation is the company's two operating segments, which include banking activities in Namibia and Botswana, as well as term lending and related activities in Namibia. Other components include property development, asset management, and unit trust management. The majority of the company's revenue comes from its banking operations in Namibia.
64GF Score

Get the complete analysis for NAM:CGP

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

R28.20
Price
R24.09
GF Value