PANHF (Ping An Healthcare And Technology Co) Effective Interest Rate on Debt %: 12.65% (As of Dec. 2025)

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PANHF Ping An Healthcare And Technology Co Ltd PANHF
71 GF Score
Price $0.97
GF Value $1.14
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Ping An Healthcare And Technology Co Effective Interest Rate on Debt %?

Ping An Healthcare And Technology Co PANHF 71 Effective Interest Rate on Debt % is 12.65% as of Dec. 2025. GuruFocus rates PANHF with a GF Score™ of 71/100 and a GF Value™ of $1.14 (Modestly Undervalued). 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. Ping An Healthcare And Technology Co's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $0.8 Mil. Ping An Healthcare And Technology Co's average total debt for the quarter that ended in Dec. 2025 was $6.0 Mil. Therefore, Ping An Healthcare And Technology Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 12.65%.


Ping An Healthcare And Technology Co  (OTCPK:PANHF) Effective Interest Rate on Debt % Explanation

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


Ping An Healthcare And Technology Co Effective Interest Rate on Debt % Related Terms


Ping An Healthcare And Technology Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Ping An Healthcare And Technology 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.

Ping An Healthcare And Technology Co Effective Interest Rate on Debt % Chart

Ping An Healthcare And Technology Co 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 6.93 5.60 5.02 4.84 6.42

Ping An Healthcare And Technology Co Semi-Annual Data
Dec15 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 4.98 0.00 14.45 0.00 12.65

PANHF vs VEEV, BTSG, HQY: Effective Interest Rate on Debt % Comparison

For the Health Information Services subindustry, Ping An Healthcare And Technology 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.


Ping An Healthcare And Technology Co Effective Interest Rate on Debt % vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Ping An Healthcare And Technology Co's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Ping An Healthcare And Technology Co's Effective Interest Rate on Debt % falls into.


PANHF
71GF Score
Ping An Healthcare And Technology Co Ltd PANHF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Ping An Healthcare And Technology Co Effective Interest Rate on Debt % Calculation

Ping An Healthcare And Technology Co'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  *  -0.38/( (6.181+5.649)/ 2 )
=-1  *  -0.38/5.915
=6.42 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.25 + 3.931
=6.181

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.065 + 3.584
=5.649

Ping An Healthcare And Technology 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  *  -0.762/( (6.402+5.649)/ 2 )
=-1  *  -0.762/6.0255
=12.65 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.505 + 3.897
=6.402

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.065 + 3.584
=5.649

* 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 12.65% mean?
Ping An Healthcare And Technology Co (PANHF) has a Effective Interest Rate on Debt % of 12.65% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Ping An Healthcare And Technology Co and its competitors.
Is Ping An Healthcare And Technology Co's Effective Interest Rate on Debt % too high?
Ping An Healthcare And Technology Co's current Effective Interest Rate on Debt % is 12.65%. Overall, Ping An Healthcare And Technology Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ping An Healthcare And Technology Co's Effective Interest Rate on Debt % compare to VEEV and BTSG?
Ping An Healthcare And Technology Co's Effective Interest Rate on Debt % of 12.65% can be compared against companies in the Healthcare Providers & Services 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 Healthcare Providers & Services company?
A good Effective Interest Rate on Debt % depends on the Healthcare Providers & Services 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 Ping An Healthcare And Technology Co and its competitors. Ping An Healthcare And Technology Co's current Effective Interest Rate on Debt % is 12.65%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ping An Healthcare And Technology Co stock overvalued right now?
Based on GuruFocus' analysis, Ping An Healthcare And Technology Co (PANHF) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.14, compared to a current price of $0.97 — trading 14.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 12.65%. Ping An Healthcare And Technology Co's overall GF Score™ is 71/100 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 Ping An Healthcare And Technology Co (PANHF), the current Effective Interest Rate on Debt % is 12.65% 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 Ping An Healthcare And Technology Co (PANHF) Overvalued in 2026?

Based on GuruFocus' analysis, Ping An Healthcare And Technology Co stock appears to be undervalued. The current stock price of $0.97 is trading 14.9% below its estimated GF Value™ of $1.14. GuruFocus considers Ping An Healthcare And Technology Co to be Modestly Undervalued.

Key valuation signals for PANHF:

  • Effective Interest Rate on Debt %: 12.65%
  • GF Value™: $1.14 vs. price of $0.97 (14.9% below fair value)
  • GF Score™: 71/100 with 6 warning signs

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


Ping An Healthcare And Technology Co Business Description

Other Exchanges 01833:Hong Kong1XZ:Germany
Address No. 298, Guo Xia Road, 5-8th Floor, Building B, INNO KIC, Yangpu District, Shanghai, CHN
Ping An Healthcare and Technology is the parent of Ping An Good Doctor, or PAGD, an online platform offering healthcare services in the form of an HMO model that provides commercial healthcare services and offers healthcare checkups, healthcare management, and corporate reimbursement for a fee. The company leverages the network of health providers from its parent, Ping An Group, where it enters into contracts with physicians, hospitals, and specialists to offer their services to HMO participants. Other than commercial healthcare premium services, PAGD offers healthcare plans such as private insurance to individuals. The platform has over 3,500 corporate clients and 24 million paying users. PAGD is 38.43% owned by its parent company.
71GF Score

Get the complete analysis for PANHF

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

$0.97
Price
$1.14
GF Value