Colonial Motor Co (NZSE:CMO) Effective Interest Rate on Debt %: 11.80% (As of Dec. 2025)

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NZSE:CMO Colonial Motor Co Ltd NZSE:CMO
39 GF Score
Price NZ$6.99
! 4 Warning Signs
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What is Colonial Motor Co Effective Interest Rate on Debt %?

Colonial Motor Co NZSE:CMO -0.85% 39 Effective Interest Rate on Debt % is 11.80% as of Dec. 2025. GuruFocus rates NZSE:CMO with a GF Score™ of 39/100. The stock has 4 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. Colonial Motor Co's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was NZ$11 Mil. Colonial Motor Co's average total debt for the quarter that ended in Dec. 2025 was NZ$91 Mil. Therefore, Colonial Motor Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 11.80%.


Colonial Motor Co  (NZSE:CMO) Effective Interest Rate on Debt % Explanation

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


Colonial Motor Co Effective Interest Rate on Debt % Related Terms


Colonial Motor Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Colonial Motor Co'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.

Colonial Motor Co Effective Interest Rate on Debt % Chart

Colonial Motor Co Annual Data
Trend Jun16 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 3.32 7.20 17.56 17.87 14.05

Colonial Motor Co Semi-Annual Data
Jun16 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 18.20 17.66 16.06 13.38 11.80

NZSE:CMO vs CVNA, PAG, KMX: Effective Interest Rate on Debt % Comparison

For the Auto & Truck Dealerships subindustry, Colonial Motor Co'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.


Colonial Motor Co Effective Interest Rate on Debt % vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, Colonial Motor Co's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Colonial Motor Co's Effective Interest Rate on Debt % falls into.


NZSE:CMO
39GF Score
Colonial Motor Co Ltd NZSE:CMO
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Colonial Motor Co Effective Interest Rate on Debt % Calculation

Colonial Motor Co'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  *  -14.153/( (104.512+96.893)/ 2 )
=-1  *  -14.153/100.7025
=14.05 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=39.777 + 64.735
=104.512

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=68.347 + 28.546
=96.893

Colonial Motor Co'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  *  -10.784/( (96.893+85.839)/ 2 )
=-1  *  -10.784/91.366
=11.80 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=68.347 + 28.546
=96.893

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=60.112 + 25.727
=85.839

* 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 11.80% mean?
Colonial Motor Co (NZSE:CMO) has a Effective Interest Rate on Debt % of 11.80% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Colonial Motor Co and its competitors.
Is Colonial Motor Co's Effective Interest Rate on Debt % too high?
Colonial Motor Co's current Effective Interest Rate on Debt % is 11.80%. Overall, Colonial Motor Co has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Colonial Motor Co's Effective Interest Rate on Debt % compare to CVNA and PAG?
Colonial Motor Co's Effective Interest Rate on Debt % of 11.80% can be compared against companies in the Vehicles & Parts 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 Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts 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 Colonial Motor Co and its competitors. Colonial Motor Co's current Effective Interest Rate on Debt % is 11.80%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Colonial Motor Co stock overvalued right now?
Colonial Motor Co (NZSE:CMO) has a current Effective Interest Rate on Debt % of 11.80%. The current Effective Interest Rate on Debt % is 11.80%. Colonial Motor Co's overall GF Score™ is 39/100 with 4 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 Colonial Motor Co (NZSE:CMO), the current Effective Interest Rate on Debt % is 11.80% 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.

Colonial Motor Co Business Description

Address 57 Courtenay Place, Level 6, PO Box 6159, Wellington, NZL, 6141
Colonial Motor Co Ltd is a New Zealand-based company engaged in the principal activity of operating franchised motor vehicle dealerships. It owns motor vehicle dealerships throughout the country and has dealerships selling heavy trucks and tractors. The company has many dealerships and has a primary focus on Ford. Also, the company provides administrative and financial services to the subsidiaries as well as leasing them at market rates for many of the properties. Substantial revenue is generated from the sale of goods.
39GF Score

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

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