Infinity Trust Mortgage Bank (NSA:INFINITY) Effective Interest Rate on Debt %: 0.00% (As of Dec. 2025)


NSA:INFINITY Infinity Trust Mortgage Bank PLC NSA:INFINITY
58 GF Score
Price ₦11.25
GF Value ₦11.69
Valuation Fairly Valued
! 6 Warning Signs
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What is Infinity Trust Mortgage Bank Effective Interest Rate on Debt %?

Infinity Trust Mortgage Bank NSA:INFINITY 58 Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. GuruFocus rates NSA:INFINITY with a GF Score™ of 58/100 and a GF Value™ of ₦11.69 (Fairly Valued). 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. Infinity Trust Mortgage Bank's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was ₦0 Mil. Infinity Trust Mortgage Bank's average total debt for the quarter that ended in Dec. 2025 was ₦13,601 Mil. Therefore, Infinity Trust Mortgage Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.00%.


Infinity Trust Mortgage Bank  (NSA:INFINITY) Effective Interest Rate on Debt % Explanation

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


Infinity Trust Mortgage Bank Effective Interest Rate on Debt % Related Terms


Infinity Trust Mortgage Bank Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Infinity Trust Mortgage Bank'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.

Infinity Trust Mortgage Bank Effective Interest Rate on Debt % Chart

Infinity Trust Mortgage Bank 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 6.91 7.57 10.60 14.70 13.71

Infinity Trust Mortgage Bank Semi-Annual Data
Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 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 8.99 11.76 11.68 16.14 0.00

NSA:INFINITY vs RKT, FNMA, PFSI: Effective Interest Rate on Debt % Comparison

For the Mortgage Finance subindustry, Infinity Trust Mortgage Bank'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.


Infinity Trust Mortgage Bank Effective Interest Rate on Debt % vs Banks Industry

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

* The bar in red indicates where Infinity Trust Mortgage Bank's Effective Interest Rate on Debt % falls into.


NSA:INFINITY
58GF Score
Infinity Trust Mortgage Bank PLC NSA:INFINITY
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Infinity Trust Mortgage Bank Effective Interest Rate on Debt % Calculation

Infinity Trust Mortgage Bank'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  *  -1865.193/( (8317.497+18884.465)/ 2 )
=-1  *  -1865.193/13600.981
=13.71 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8317.497 + 0
=8317.497

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18884.465 + 0
=18884.465

Infinity Trust Mortgage Bank'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/( (8317.497+18884.465)/ 2 )
=-1  *  0/13600.981
=0.00 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8317.497 + 0
=8317.497

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18884.465 + 0
=18884.465

* 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?
Infinity Trust Mortgage Bank (NSA:INFINITY) 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 Infinity Trust Mortgage Bank and its competitors.
Is Infinity Trust Mortgage Bank's Effective Interest Rate on Debt % too high?
Infinity Trust Mortgage Bank's current Effective Interest Rate on Debt % is 0.00%. Overall, Infinity Trust Mortgage Bank has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Infinity Trust Mortgage Bank's Effective Interest Rate on Debt % compare to RKT and FNMA?
Infinity Trust Mortgage Bank's Effective Interest Rate on Debt % of 0.00% 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 Infinity Trust Mortgage Bank and its competitors. Infinity Trust Mortgage Bank'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 Infinity Trust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, Infinity Trust Mortgage Bank (NSA:INFINITY) is currently considered Fairly Valued. The stock's GF Value™ is ₦11.69, compared to a current price of ₦11.25 — trading 3.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Infinity Trust Mortgage Bank's overall GF Score™ is 58/100 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 Infinity Trust Mortgage Bank (NSA:INFINITY), 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 Infinity Trust Mortgage Bank (NSA:INFINITY) Overvalued in 2026?

Based on GuruFocus' analysis, Infinity Trust Mortgage Bank stock appears to be undervalued. The current stock price of ₦11.25 is trading 3.8% below its estimated GF Value™ of ₦11.69. GuruFocus considers Infinity Trust Mortgage Bank to be Fairly Valued.

Key valuation signals for NSA:INFINITY:

  • Effective Interest Rate on Debt %: 0.00%
  • GF Value™: ₦11.69 vs. price of ₦11.25 (3.8% below fair value)
  • GF Score™: 58/100 with 6 warning signs

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


Infinity Trust Mortgage Bank Business Description

Address No.11 Kaura Namoda Street, Off Faskari Crescent Area 3, Garki, Abuja, NGA
Infinity Trust Mortgage Bank PLC provides mortgage finance. The company's products and services includes Mortgage Finance, Fund Management, and Electronic Banking services.
58GF Score

Get the complete analysis for NSA:INFINITY

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

₦11.25
Price
₦11.69
GF Value