Royal Exchange (NSA:ROYALEX) Effective Interest Rate on Debt %: 0.40% (As of Dec. 2025)


NSA:ROYALEX Royal Exchange PLC NSA:ROYALEX
9 GF Score
Price ₦1.45
! 5 Warning Signs
View Full Analysis

What is Royal Exchange Effective Interest Rate on Debt %?

Royal Exchange NSA:ROYALEX 9 Effective Interest Rate on Debt % is 0.40% as of Dec. 2025. GuruFocus rates NSA:ROYALEX with a GF Score™ of 9/100. 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. Royal Exchange's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was ₦5.6 Mil. Royal Exchange's average total debt for the quarter that ended in Dec. 2025 was ₦1,384.5 Mil. Therefore, Royal Exchange's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.40%.

Royal Exchange  (NSA:ROYALEX) Effective Interest Rate on Debt % Explanation

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

Royal Exchange Effective Interest Rate on Debt % Related Terms

Royal Exchange Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Royal Exchange'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.

Royal Exchange Effective Interest Rate on Debt % Chart

Royal Exchange 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 10.02 0.02 0.00 0.00 0.40

Royal Exchange Semi-Annual Data
Dec13 Dec14 Dec15 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 Premium Member Only Premium Member Only Premium Member Only 10.02 0.02 0.00 0.00 0.40

NSA:ROYALEX vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, Royal Exchange'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.

Royal Exchange Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Royal Exchange's Effective Interest Rate on Debt % distribution charts can be found below:

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


NSA:ROYALEX
9GF Score
Royal Exchange PLC NSA:ROYALEX
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Royal Exchange Effective Interest Rate on Debt % Calculation

Royal Exchange'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  *  -5.566/( (1121.955+1647.045)/ 2 )
=-1  *  -5.566/1384.5
=0.40 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1121.955 + 0
=1121.955

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1647.045 + 0
=1647.045

Royal Exchange'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  *  -5.566/( (1121.955+1647.045)/ 2 )
=-1  *  -5.566/1384.5
=0.40 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1121.955 + 0
=1121.955

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1647.045 + 0
=1647.045

* 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 one times the 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 0.40% mean?
Royal Exchange (NSA:ROYALEX) has a Effective Interest Rate on Debt % of 0.40% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Royal Exchange and its competitors.
Is Royal Exchange's Effective Interest Rate on Debt % too high?
Royal Exchange's current Effective Interest Rate on Debt % is 0.40%. Overall, Royal Exchange has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Royal Exchange's Effective Interest Rate on Debt % compare to BRK.A and AIG?
Royal Exchange's Effective Interest Rate on Debt % of 0.40% can be compared against companies in the Insurance 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 an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 Royal Exchange and its competitors. Royal Exchange's current Effective Interest Rate on Debt % is 0.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Royal Exchange stock overvalued right now?
Royal Exchange (NSA:ROYALEX) has a current Effective Interest Rate on Debt % of 0.40%. The current Effective Interest Rate on Debt % is 0.40%. Royal Exchange's overall GF Score™ is 9/100 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 Royal Exchange (NSA:ROYALEX), the current Effective Interest Rate on Debt % is 0.40% 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.

Royal Exchange Business Description

Address 3b Sir Samuel Manuwa Street, Off Bishop Aboyade Cole, Victoria Island, Lagos, NGA, 106104
Royal Exchange PLC principal activities are general insurance, health insurance, and credit financing, with segments including Life Insurance, Healthcare, and Credit Financing.
9GF Score

Get the complete analysis for NSA:ROYALEX

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

₦1.45
Price