Cityland Development (PHS:CDC) Effective Interest Rate on Debt %: 11.30% (As of Mar. 2026)


PHS:CDC Cityland Development Corp PHS:CDC
44 GF Score
Price ₱0.61
GF Value ₱0.75
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Cityland Development Effective Interest Rate on Debt %?

Cityland Development PHS:CDC +3.39% 44 Effective Interest Rate on Debt % is 11.30% as of Mar. 2026. GuruFocus rates PHS:CDC with a GF Score™ of 44/100 and a GF Value™ of ₱0.75 (Modestly Undervalued). The stock has 3 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. Cityland Development's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₱53 Mil. Cityland Development's average total debt for the quarter that ended in Mar. 2026 was ₱466 Mil. Therefore, Cityland Development's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 11.30%.


Cityland Development  (PHS:CDC) Effective Interest Rate on Debt % Explanation

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


Cityland Development Effective Interest Rate on Debt % Related Terms


Cityland Development Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Cityland Development'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.

Cityland Development Effective Interest Rate on Debt % Chart

Cityland Development 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 0.18 0.18 0.20 2.76 3.48

Cityland Development 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 3.23 1.33 1.47 11.85 11.30

PHS:CDC vs CBRE, BEKE, JLL: Effective Interest Rate on Debt % Comparison

For the Real Estate Services subindustry, Cityland Development'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.


Cityland Development Effective Interest Rate on Debt % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Cityland Development's Effective Interest Rate on Debt % distribution charts can be found below:

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


PHS:CDC
44GF Score
Cityland Development Corp PHS:CDC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cityland Development Effective Interest Rate on Debt % Calculation

Cityland Development'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  *  -30.655/( (1344.3+418.5)/ 2 )
=-1  *  -30.655/881.4
=3.48 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 1344.3
=1344.3

Cityland Development'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  *  -52.608/( (418.5+512.55)/ 2 )
=-1  *  -52.608/465.525
=11.30 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 512.55
=512.55

* 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 11.30% mean?
Cityland Development (PHS:CDC) has a Effective Interest Rate on Debt % of 11.30% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Cityland Development and its competitors.
Is Cityland Development's Effective Interest Rate on Debt % too high?
Cityland Development's current Effective Interest Rate on Debt % is 11.30%. Overall, Cityland Development has a GF Score™ of 44/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Cityland Development's Effective Interest Rate on Debt % compare to CBRE and BEKE?
Cityland Development's Effective Interest Rate on Debt % of 11.30% can be compared against companies in the Real Estate 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 Real Estate company?
A good Effective Interest Rate on Debt % depends on the Real Estate 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 Cityland Development and its competitors. Cityland Development's current Effective Interest Rate on Debt % is 11.30%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cityland Development stock overvalued right now?
Based on GuruFocus' analysis, Cityland Development (PHS:CDC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱0.75, compared to a current price of ₱0.61 — trading 18.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 11.30%. Cityland Development's overall GF Score™ is 44/100 with 3 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 Cityland Development (PHS:CDC), the current Effective Interest Rate on Debt % is 11.30% 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 Cityland Development (PHS:CDC) Overvalued in 2026?

Based on GuruFocus' analysis, Cityland Development stock appears to be undervalued. The current stock price of ₱0.61 is trading 18.7% below its estimated GF Value™ of ₱0.75. GuruFocus considers Cityland Development to be Modestly Undervalued.

Key valuation signals for PHS:CDC:

  • Effective Interest Rate on Debt %: 11.30%
  • GF Value™: ₱0.75 vs. price of ₱0.61 (18.7% below fair value)
  • GF Score™: 44/100 with 3 warning signs

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


Cityland Development Business Description

Address 156 H.V. Dela Costa Street, 3rd Floor, Cityland Condominium 10, Tower II, Makati, PHL, 1226
Cityland Development Corp operates as a real estate company that acquire, develop, improve, subdivide, cultivate, lease, sublease, sell, exchange, barter and/or dispose of agricultural, industrial, commercial, residential and other real properties, as well as to construct, improve, lease, sublease, sell and/or dispose of houses, buildings and other improvements thereon, and to manage and operate subdivisions and housing projects or otherwise engage in the financing and trading of real estate. Its operations are carried through the following segments: Sale of Real Estate Properties, Lease of Real Estate Properties, and Pension Plan Operations. The Company derives its revenues from the sale and lease of real estate properties and its investments in trust funds.
44GF Score

Get the complete analysis for PHS:CDC

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

₱0.61
Price
₱0.75
GF Value