Filinvest Development (PHS:FDC) Effective Interest Rate on Debt %: 3.04% (As of Mar. 2026)


PHS:FDC Filinvest Development Corp PHS:FDC
84 GF Score
Price ₱4.32
GF Value ₱6.09
Valuation Modestly Undervalued
! 6 Warning Signs
View Full Analysis

What is Filinvest Development Effective Interest Rate on Debt %?

Filinvest Development PHS:FDC -0.92% 84 Effective Interest Rate on Debt % is 3.04% as of Mar. 2026. GuruFocus rates PHS:FDC with a GF Score™ of 84/100 and a GF Value™ of ₱6.09 (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. Filinvest Development's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₱4,938 Mil. Filinvest Development's average total debt for the quarter that ended in Mar. 2026 was ₱162,411 Mil. Therefore, Filinvest Development's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.04%.


Filinvest Development  (PHS:FDC) Effective Interest Rate on Debt % Explanation

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


Filinvest Development Effective Interest Rate on Debt % Related Terms


Filinvest Development Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Filinvest 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.

Filinvest Development Effective Interest Rate on Debt % Chart

Filinvest 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 2.99 2.91 3.04 3.88 3.90

Filinvest 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 2.99 2.90 5.73 4.16 3.04

PHS:FDC vs HON, MMM: Effective Interest Rate on Debt % Comparison

For the Conglomerates subindustry, Filinvest 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.


Filinvest Development Effective Interest Rate on Debt % vs Conglomerates Industry

For the Conglomerates industry and Industrials sector, Filinvest Development's Effective Interest Rate on Debt % distribution charts can be found below:

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


PHS:FDC
84GF Score
Filinvest Development Corp PHS:FDC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Filinvest Development Effective Interest Rate on Debt % Calculation

Filinvest 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  *  -6840.58/( (186490.986+164549.294)/ 2 )
=-1  *  -6840.58/175520.14
=3.90 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=98421.765 + 88069.221
=186490.986

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=92747.107 + 71802.187
=164549.294

Filinvest 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  *  -4937.876/( (164549.294+160273.485)/ 2 )
=-1  *  -4937.876/162411.3895
=3.04 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=92747.107 + 71802.187
=164549.294

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=95655.994 + 64617.491
=160273.485

* 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 3.04% mean?
Filinvest Development (PHS:FDC) has a Effective Interest Rate on Debt % of 3.04% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Filinvest Development and its competitors.
Is Filinvest Development's Effective Interest Rate on Debt % too high?
Filinvest Development's current Effective Interest Rate on Debt % is 3.04%. Overall, Filinvest Development has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Filinvest Development's Effective Interest Rate on Debt % compare to HON and MMM?
Filinvest Development's Effective Interest Rate on Debt % of 3.04% can be compared against companies in the Conglomerates 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 Conglomerates company?
A good Effective Interest Rate on Debt % depends on the Conglomerates 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 Filinvest Development and its competitors. Filinvest Development's current Effective Interest Rate on Debt % is 3.04%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Filinvest Development stock overvalued right now?
Based on GuruFocus' analysis, Filinvest Development (PHS:FDC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱6.09, compared to a current price of ₱4.32 — trading 29.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.04%. Filinvest Development's overall GF Score™ is 84/100 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 Filinvest Development (PHS:FDC), the current Effective Interest Rate on Debt % is 3.04% 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 Filinvest Development (PHS:FDC) Overvalued in 2026?

Based on GuruFocus' analysis, Filinvest Development stock appears to be undervalued. The current stock price of ₱4.32 is trading 29.1% below its estimated GF Value™ of ₱6.09. GuruFocus considers Filinvest Development to be Modestly Undervalued.

Key valuation signals for PHS:FDC:

  • Effective Interest Rate on Debt %: 3.04%
  • GF Value™: ₱6.09 vs. price of ₱4.32 (29.1% below fair value)
  • GF Score™: 84/100 with 6 warning signs

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


Filinvest Development Business Description

Address 5th Avenue corner 23rd Street, 6th Floor, The Beaufort, Bonifacio Global City, Metro Manila, Taguig City, PHL, 1634
Filinvest Development Corp is a Philippines-based company engaged in real estate operations as a developer of residential subdivisions and mixed-use urban projects, including condominiums, commercial buildings, industrial parks, and farm estates. It is also involved in leasing operations, hospitality operations, banking and financial services, power and utility operations, sugar farming and milling business, and digital ventures. Its segments are Real Estate Operations, Hospitality, Banking and Financial Services, Utilities, Sugar Operations, and Other operations. Geographically, company has spread it's operations in Philippines, Australia, Asia, Europe and USA.
84GF Score

Get the complete analysis for PHS:FDC

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

₱4.32
Price
₱6.09
GF Value