Balai Ni Fruitas (PHS:BALAI) Effective Interest Rate on Debt %: 5.71% (As of Mar. 2026)

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PHS:BALAI Balai Ni Fruitas Inc PHS:BALAI
58 GF Score
Price ₱0.32
GF Value ₱0.49
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Balai Ni Fruitas Effective Interest Rate on Debt %?

Balai Ni Fruitas PHS:BALAI 58 Effective Interest Rate on Debt % is 5.71% as of Mar. 2026. GuruFocus rates PHS:BALAI with a GF Score™ of 58/100 and a GF Value™ of ₱0.49 (Significantly Undervalued). The stock has 2 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. Balai Ni Fruitas's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₱3.4 Mil. Balai Ni Fruitas's average total debt for the quarter that ended in Mar. 2026 was ₱59.0 Mil. Therefore, Balai Ni Fruitas's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.71%.


Balai Ni Fruitas  (PHS:BALAI) Effective Interest Rate on Debt % Explanation

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


Balai Ni Fruitas Effective Interest Rate on Debt % Related Terms


Balai Ni Fruitas Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Balai Ni Fruitas'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.

Balai Ni Fruitas Effective Interest Rate on Debt % Chart

Balai Ni Fruitas Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only 9.32 7.32 4.23 7.79 6.92

Balai Ni Fruitas 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 9.07 10.90 9.08 5.18 5.71

PHS:BALAI vs KO, PEP, MNST: Effective Interest Rate on Debt % Comparison

For the Beverages - Non-Alcoholic subindustry, Balai Ni Fruitas'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.


Balai Ni Fruitas Effective Interest Rate on Debt % vs Beverages - Non-Alcoholic Industry

For the Beverages - Non-Alcoholic industry and Consumer Defensive sector, Balai Ni Fruitas's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Balai Ni Fruitas's Effective Interest Rate on Debt % falls into.


PHS:BALAI
58GF Score
Balai Ni Fruitas Inc PHS:BALAI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Balai Ni Fruitas Effective Interest Rate on Debt % Calculation

Balai Ni Fruitas'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  *  -4.47/( (55.807+73.476)/ 2 )
=-1  *  -4.47/64.6415
=6.92 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.062 + 44.745
=55.807

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=14.769 + 58.707
=73.476

Balai Ni Fruitas'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  *  -3.368/( (73.476+44.465)/ 2 )
=-1  *  -3.368/58.9705
=5.71 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=14.769 + 58.707
=73.476

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=12.341 + 32.124
=44.465

* 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 5.71% mean?
Balai Ni Fruitas (PHS:BALAI) has a Effective Interest Rate on Debt % of 5.71% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Balai Ni Fruitas and its competitors.
Is Balai Ni Fruitas' Effective Interest Rate on Debt % too high?
Balai Ni Fruitas' current Effective Interest Rate on Debt % is 5.71%. Overall, Balai Ni Fruitas has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Balai Ni Fruitas' Effective Interest Rate on Debt % compare to KO and PEP?
Balai Ni Fruitas' Effective Interest Rate on Debt % of 5.71% can be compared against companies in the Beverages - Non-Alcoholic 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 Beverages - Non-Alcoholic company?
A good Effective Interest Rate on Debt % depends on the Beverages - Non-Alcoholic 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 Balai Ni Fruitas and its competitors. Balai Ni Fruitas's current Effective Interest Rate on Debt % is 5.71%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Balai Ni Fruitas stock overvalued right now?
Based on GuruFocus' analysis, Balai Ni Fruitas (PHS:BALAI) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱0.49, compared to a current price of ₱0.32 — trading 34.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 5.71%. Balai Ni Fruitas' overall GF Score™ is 58/100 with 2 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 Balai Ni Fruitas (PHS:BALAI), the current Effective Interest Rate on Debt % is 5.71% 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 Balai Ni Fruitas (PHS:BALAI) Overvalued in 2026?

Based on GuruFocus' analysis, Balai Ni Fruitas stock appears to be undervalued. The current stock price of ₱0.32 is trading 34.7% below its estimated GF Value™ of ₱0.49. GuruFocus considers Balai Ni Fruitas to be Significantly Undervalued.

Key valuation signals for PHS:BALAI:

  • Effective Interest Rate on Debt %: 5.71%
  • GF Value™: ₱0.49 vs. price of ₱0.32 (34.7% below fair value)
  • GF Score™: 58/100 with 2 warning signs

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


Balai Ni Fruitas Business Description

Address 68 Data Street, Barangay Don Manuel, Quezon City, PHL, 1113
Balai Ni Fruitas Inc is mainly engaged in the business of processing, manufacturing, packaging, servicing, repacking, marketing, buying, selling, trading, or otherwise dealing in, wet and dry goods such as fresh fruit drinks, baked goods and other related products, and conduct, maintain, and carry on the general business of bakery, restaurant, cafeteria, kiosk, supermarket, and any articles of food products; and to engage in such other activities. The company has single operating segment.
58GF Score

Get the complete analysis for PHS:BALAI

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

₱0.32
Price
₱0.49
GF Value