Pacific Industries (NSE:PACIFICI) Effective Interest Rate on Debt %: 6.42% (As of Mar. 2026)

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NSE:PACIFICI Pacific Industries Ltd NSE:PACIFICI
49 GF Score
Price ₹150.98
GF Value ₹120.99
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Pacific Industries Effective Interest Rate on Debt %?

Pacific Industries NSE:PACIFICI +13.05% 49 Effective Interest Rate on Debt % is 6.42% as of Mar. 2026. GuruFocus rates NSE:PACIFICI with a GF Score™ of 49/100 and a GF Value™ of ₹120.99 (Modestly Overvalued). 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. Pacific Industries's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹38 Mil. Pacific Industries's average total debt for the quarter that ended in Mar. 2026 was ₹592 Mil. Therefore, Pacific Industries's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 6.42%.


Pacific Industries  (NSE:PACIFICI) Effective Interest Rate on Debt % Explanation

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


Pacific Industries Effective Interest Rate on Debt % Related Terms


Pacific Industries Effective Interest Rate on Debt % Historical Data

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The historical data trend for Pacific Industries'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.

Pacific Industries Effective Interest Rate on Debt % Chart

Pacific Industries Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.28 5.73 7.00 9.37 6.05

Pacific Industries Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 7.39 5.84 7.68 7.34 6.42

NSE:PACIFICI vs : Effective Interest Rate on Debt % Comparison

For the Building Materials subindustry, Pacific Industries'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.


Pacific Industries Effective Interest Rate on Debt % vs Building Materials Industry

For the Building Materials industry and Basic Materials sector, Pacific Industries's Effective Interest Rate on Debt % distribution charts can be found below:

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


NSE:PACIFICI
49GF Score
Pacific Industries Ltd NSE:PACIFICI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Pacific Industries Effective Interest Rate on Debt % Calculation

Pacific Industries's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2025 )+Total Debt  (A: Mar. 2026 ))/ count )
=-1  *  -40.008/( (730.834+592.021)/ 2 )
=-1  *  -40.008/661.4275
=6.05 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=188.324 + 542.51
=730.834

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=194.129 + 397.892
=592.021

Pacific Industries's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -38.008/( (0+592.021)/ 1 )
=-1  *  -38.008/592.021
=6.42 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=194.129 + 397.892
=592.021

* 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 (Mar. 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 6.42% mean?
Pacific Industries (NSE:PACIFICI) has a Effective Interest Rate on Debt % of 6.42% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Pacific Industries and its competitors.
Is Pacific Industries' Effective Interest Rate on Debt % too high?
Pacific Industries' current Effective Interest Rate on Debt % is 6.42%. Overall, Pacific Industries has a GF Score™ of 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Industries' Effective Interest Rate on Debt % compare to ?
Pacific Industries' Effective Interest Rate on Debt % of 6.42% can be compared against companies in the Building Materials 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 Building Materials company?
A good Effective Interest Rate on Debt % depends on the Building Materials 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 Pacific Industries and its competitors. Pacific Industries's current Effective Interest Rate on Debt % is 6.42%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Industries stock overvalued right now?
Based on GuruFocus' analysis, Pacific Industries (NSE:PACIFICI) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹120.99, compared to a current price of ₹150.98 — trading 24.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 6.42%. Pacific Industries' overall GF Score™ is 49/100 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 Pacific Industries (NSE:PACIFICI), the current Effective Interest Rate on Debt % is 6.42% as of Mar. 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 Pacific Industries (NSE:PACIFICI) Overvalued in 2026?

Based on GuruFocus' analysis, Pacific Industries stock appears to be overvalued. The current stock price of ₹150.98 is trading 24.8% above its estimated GF Value™ of ₹120.99. GuruFocus considers Pacific Industries to be Modestly Overvalued.

Key valuation signals for NSE:PACIFICI:

  • Effective Interest Rate on Debt %: 6.42%
  • GF Value™: ₹120.99 vs. price of ₹150.98 (24.8% above fair value)
  • GF Score™: 49/100 with 6 warning signs

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


Pacific Industries Business Description

Comparable Companies
Other Exchanges 523483:India
Address Village Bedla, Udaipur, RJ, IND, 313011
Pacific Industries Ltd is an Indian company, engaged in the export, manufacturing, and trading of Granite tiles and slabs, Quartz slabs, and other goods and commission activities. The company's business segments are Marble and Granite (Stone - Granite and Quartz), which derive key revenue, Trading other than Marble & Granite, and Investment and Finance.
49GF Score

Get the complete analysis for NSE:PACIFICI

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

₹150.98
Price
₹120.99
GF Value