Ginebran Miguel (PHS:GSMI) Effective Interest Rate on Debt %: 199.50% (As of Mar. 2026)


PHS:GSMI Ginebra San Miguel Inc PHS:GSMI
87 GF Score
Price ₱253.00
GF Value ₱296.53
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Ginebran Miguel Effective Interest Rate on Debt %?

Ginebran Miguel PHS:GSMI -3.80% 87 Effective Interest Rate on Debt % is 199.50% as of Mar. 2026. GuruFocus rates PHS:GSMI with a GF Score™ of 87/100 and a GF Value™ of ₱296.53 (Modestly Undervalued). The stock has 1 warning sign 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. Ginebran Miguel's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₱88 Mil. Ginebran Miguel's average total debt for the quarter that ended in Mar. 2026 was ₱44 Mil. Therefore, Ginebran Miguel's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 199.50%.


Ginebran Miguel  (PHS:GSMI) Effective Interest Rate on Debt % Explanation

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


Ginebran Miguel Effective Interest Rate on Debt % Related Terms


Ginebran Miguel Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Ginebran Miguel'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.

Ginebran Miguel Effective Interest Rate on Debt % Chart

Ginebran Miguel 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 6.94 11.49 6.92 10.60 106.10

Ginebran Miguel 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 120.51 132.93 145.55 28.68 199.50

PHS:GSMI vs BF.B: Effective Interest Rate on Debt % Comparison

For the Beverages - Wineries & Distilleries subindustry, Ginebran Miguel'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.


Ginebran Miguel Effective Interest Rate on Debt % vs Beverages - Alcoholic Industry

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

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


PHS:GSMI
87GF Score
Ginebra San Miguel Inc PHS:GSMI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Ginebran Miguel Effective Interest Rate on Debt % Calculation

Ginebran Miguel'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  *  -63.586/( (71.734+48.125)/ 2 )
=-1  *  -63.586/59.9295
=106.10 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=39.626 + 32.108
=71.734

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=21.614 + 26.511
=48.125

Ginebran Miguel'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  *  -87.5/( (48.125+39.594)/ 2 )
=-1  *  -87.5/43.8595
=199.50 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=21.614 + 26.511
=48.125

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18.789 + 20.805
=39.594

* 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 199.50% mean?
Ginebran Miguel (PHS:GSMI) has a Effective Interest Rate on Debt % of 199.50% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Ginebran Miguel and its competitors.
Is Ginebran Miguel's Effective Interest Rate on Debt % too high?
Ginebran Miguel's current Effective Interest Rate on Debt % is 199.50%. Overall, Ginebran Miguel has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ginebran Miguel's Effective Interest Rate on Debt % compare to BF.B?
Ginebran Miguel's Effective Interest Rate on Debt % of 199.50% can be compared against companies in the Beverages - 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 - Alcoholic company?
A good Effective Interest Rate on Debt % depends on the Beverages - 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 Ginebran Miguel and its competitors. Ginebran Miguel's current Effective Interest Rate on Debt % is 199.50%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ginebran Miguel stock overvalued right now?
Based on GuruFocus' analysis, Ginebran Miguel (PHS:GSMI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱296.53, compared to a current price of ₱253.00 — trading 14.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 199.50%. Ginebran Miguel's overall GF Score™ is 87/100 with 1 warning sign 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 Ginebran Miguel (PHS:GSMI), the current Effective Interest Rate on Debt % is 199.50% 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 Ginebran Miguel (PHS:GSMI) Overvalued in 2026?

Based on GuruFocus' analysis, Ginebran Miguel stock appears to be undervalued. The current stock price of ₱253.00 is trading 14.7% below its estimated GF Value™ of ₱296.53. GuruFocus considers Ginebran Miguel to be Modestly Undervalued.

Key valuation signals for PHS:GSMI:

  • Effective Interest Rate on Debt %: 199.50%
  • GF Value™: ₱296.53 vs. price of ₱253.00 (14.7% below fair value)
  • GF Score™: 87/100 with 1 warning sign

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


Ginebran Miguel Business Description

Address St. Francis Street, Ortigas Center, 3rd and 6th Floor, San Miguel Properties Centre, Mandaluyong, PHL, 1550
Ginebra San Miguel Inc manufactures and sells alcoholic beverages in the Philippines. It offers alcoholic beverages, under the following brand names: Ginebra San Miguel gin, GSM Blue, GSM Blue Flavors, Ginebra San Miguel Premium Gin, Antonov Vodka, Primera Light Brandy, Vino Kulafu, and Antonov vodka.
87GF Score

Get the complete analysis for PHS:GSMI

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

₱253.00
Price
₱296.53
GF Value