PZ Cussons Nigeria (NSA:PZ) Effective Interest Rate on Debt %: 2.46% (As of Feb. 2026)

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NSA:PZ PZ Cussons Nigeria PLC NSA:PZ
68 GF Score
Price ₦81.00
GF Value ₦52.59
Valuation Significantly Overvalued
! 1 Warning Sign
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What is PZ Cussons Nigeria Effective Interest Rate on Debt %?

PZ Cussons Nigeria NSA:PZ 68 Effective Interest Rate on Debt % is 2.46% as of Feb. 2026. GuruFocus rates NSA:PZ with a GF Score™ of 68/100 and a GF Value™ of ₦52.59 (Significantly Overvalued). The stock has 1 warning sign 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. PZ Cussons Nigeria's annualized positive value of Interest Expense for the quarter that ended in Feb. 2026 was ₦1,098 Mil. PZ Cussons Nigeria's average total debt for the quarter that ended in Feb. 2026 was ₦44,706 Mil. Therefore, PZ Cussons Nigeria's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 was 2.46%.


PZ Cussons Nigeria  (NSA:PZ) Effective Interest Rate on Debt % Explanation

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


PZ Cussons Nigeria Effective Interest Rate on Debt % Related Terms


PZ Cussons Nigeria Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for PZ Cussons Nigeria'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.

PZ Cussons Nigeria Effective Interest Rate on Debt % Chart

PZ Cussons Nigeria Annual Data
Trend May16 May17 May18 May19 May20 May21 May22 May23 May24 May25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.02 6.08 2.76 7.23 4.53

PZ Cussons Nigeria Quarterly Data
Feb21 May21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
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 3.71 0.44 1.36 1.78 2.46

NSA:PZ vs PG, CL, KVUE: Effective Interest Rate on Debt % Comparison

For the Household & Personal Products subindustry, PZ Cussons Nigeria'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.


PZ Cussons Nigeria Effective Interest Rate on Debt % vs Consumer Packaged Goods Industry

For the Consumer Packaged Goods industry and Consumer Defensive sector, PZ Cussons Nigeria's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where PZ Cussons Nigeria's Effective Interest Rate on Debt % falls into.


NSA:PZ
68GF Score
PZ Cussons Nigeria PLC NSA:PZ
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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PZ Cussons Nigeria Effective Interest Rate on Debt % Calculation

PZ Cussons Nigeria's annualized Effective Interest Rate on Debt % for the fiscal year that ended in May. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: May. 2024 )+Total Debt  (A: May. 2025 ))/ count )
=-1  *  -3632.761/( (89172.366+71279.136)/ 2 )
=-1  *  -3632.761/80225.751
=4.53 %

where

Total Debt  (A: May. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=57.121 + 89115.245
=89172.366

Total Debt  (A: May. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 71279.136
=71279.136

PZ Cussons Nigeria's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Nov. 2025 )+Total Debt  (Q: Feb. 2026 ))/ count )
=-1  *  -1098.476/( (55566.032+33845.445)/ 2 )
=-1  *  -1098.476/44705.7385
=2.46 %

where

Total Debt  (Q: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 55566.032
=55566.032

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 33845.445
=33845.445

* 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 four times the quarterly (Feb. 2026) 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 2.46% mean?
PZ Cussons Nigeria (NSA:PZ) has a Effective Interest Rate on Debt % of 2.46% as of Feb. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PZ Cussons Nigeria and its competitors.
Is PZ Cussons Nigeria's Effective Interest Rate on Debt % too high?
PZ Cussons Nigeria's current Effective Interest Rate on Debt % is 2.46%. Overall, PZ Cussons Nigeria has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PZ Cussons Nigeria's Effective Interest Rate on Debt % compare to PG and CL?
PZ Cussons Nigeria's Effective Interest Rate on Debt % of 2.46% can be compared against companies in the Consumer Packaged Goods 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 Consumer Packaged Goods company?
A good Effective Interest Rate on Debt % depends on the Consumer Packaged Goods 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 PZ Cussons Nigeria and its competitors. PZ Cussons Nigeria's current Effective Interest Rate on Debt % is 2.46%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PZ Cussons Nigeria stock overvalued right now?
Based on GuruFocus' analysis, PZ Cussons Nigeria (NSA:PZ) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦52.59, compared to a current price of ₦81.00 — trading 54% above its estimated fair value. The current Effective Interest Rate on Debt % is 2.46%. PZ Cussons Nigeria's overall GF Score™ is 68/100 with 1 warning sign 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 PZ Cussons Nigeria (NSA:PZ), the current Effective Interest Rate on Debt % is 2.46% as of Feb. 2026. 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 PZ Cussons Nigeria (NSA:PZ) Overvalued in 2026?

Based on GuruFocus' analysis, PZ Cussons Nigeria stock appears to be overvalued. The current stock price of ₦81.00 is trading 54% above its estimated GF Value™ of ₦52.59. GuruFocus considers PZ Cussons Nigeria to be Significantly Overvalued.

Key valuation signals for NSA:PZ:

  • Effective Interest Rate on Debt %: 2.46%
  • GF Value™: ₦52.59 vs. price of ₦81.00 (54% above fair value)
  • GF Score™: 68/100 with 1 warning sign

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


PZ Cussons Nigeria Business Description

Address 3500 Aviator Way, Manchester Business Park, Manchester, GBR, M22 5TG
PZ Cussons Nigeria PLC manufactures, distributes and sells consumer products and home appliances. The company's operating segment includes Home and Personal Care Products and Durable Electrical Appliances. It generates maximum revenue from the Home and Personal Care Products segment. Home and Personal Care Products segment includes the production and sale of Morning Fresh, Zip, Canoe, Premier, Excel, Joy, Stella, Venus, Imperial Leather, Cussons Baby, Original Source, Carex, Robb, and others. The Durable Electrical Appliances segment includes the production and sale of Haier Thermocool Refrigerators, Freezers, Televisions, Generators, Air conditioners, Washing Machines and others. Geographically it derives revenue from Nigeria.
68GF Score

Get the complete analysis for NSA:PZ

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

₦81.00
Price
₦52.59
GF Value