Now (PHS:NOW) Effective Interest Rate on Debt %: 4.79% (As of Mar. 2026)


PHS:NOW Now Corp PHS:NOW
41 GF Score
Price ₱0.58
GF Value ₱0.61
Valuation Fairly Valued
! 5 Warning Signs
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What is Now Effective Interest Rate on Debt %?

Now PHS:NOW -1.69% 41 Effective Interest Rate on Debt % is 4.79% as of Mar. 2026. GuruFocus rates PHS:NOW with a GF Score™ of 41/100 and a GF Value™ of ₱0.61 (Fairly Valued). The stock has 5 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. Now's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₱21.0 Mil. Now's average total debt for the quarter that ended in Mar. 2026 was ₱437.1 Mil. Therefore, Now's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.79%.


Now  (PHS:NOW) Effective Interest Rate on Debt % Explanation

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


Now Effective Interest Rate on Debt % Related Terms


Now Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Now'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.

Now Effective Interest Rate on Debt % Chart

Now 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 6.82 6.20 5.89 7.50 4.48

Now 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 6.98 10.35 -0.93 1.20 4.79

PHS:NOW vs TMUS, VZ, T: Effective Interest Rate on Debt % Comparison

For the Telecom Services subindustry, Now'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.


Now Effective Interest Rate on Debt % vs Telecommunication Services Industry

For the Telecommunication Services industry and Communication Services sector, Now's Effective Interest Rate on Debt % distribution charts can be found below:

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


PHS:NOW
41GF Score
Now Corp PHS:NOW
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Now Effective Interest Rate on Debt % Calculation

Now'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  *  -19.191/( (428.174+428.933)/ 2 )
=-1  *  -19.191/428.5535
=4.48 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=288.401 + 139.773
=428.174

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=279.009 + 149.924
=428.933

Now'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  *  -20.956/( (428.933+445.324)/ 2 )
=-1  *  -20.956/437.1285
=4.79 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=279.009 + 149.924
=428.933

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=300.866 + 144.458
=445.324

* 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 4.79% mean?
Now (PHS:NOW) has a Effective Interest Rate on Debt % of 4.79% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Now and its competitors.
Is Now's Effective Interest Rate on Debt % too high?
Now's current Effective Interest Rate on Debt % is 4.79%. Overall, Now has a GF Score™ of 41/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Now's Effective Interest Rate on Debt % compare to TMUS and VZ?
Now's Effective Interest Rate on Debt % of 4.79% can be compared against companies in the Telecommunication 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 Telecommunication Services company?
A good Effective Interest Rate on Debt % depends on the Telecommunication 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 Now and its competitors. Now's current Effective Interest Rate on Debt % is 4.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Now stock overvalued right now?
Based on GuruFocus' analysis, Now (PHS:NOW) is currently considered Fairly Valued. The stock's GF Value™ is ₱0.61, compared to a current price of ₱0.58 — trading 4.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.79%. Now's overall GF Score™ is 41/100 with 5 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 Now (PHS:NOW), the current Effective Interest Rate on Debt % is 4.79% 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 Now (PHS:NOW) Overvalued in 2026?

Based on GuruFocus' analysis, Now stock appears to be undervalued. The current stock price of ₱0.58 is trading 4.9% below its estimated GF Value™ of ₱0.61. GuruFocus considers Now to be Fairly Valued.

Key valuation signals for PHS:NOW:

  • Effective Interest Rate on Debt %: 4.79%
  • GF Value™: ₱0.61 vs. price of ₱0.58 (4.9% below fair value)
  • GF Score™: 41/100 with 5 warning signs

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


Now Business Description

Address 100 C. Palanca corner Dela Rosa and Gil Streets, Unit 5 - I, 5th Floor, OPL Building, Legaspi Village, Makati, PHL, 1229
Now Corp is engaged in the business of providing technology, media, and telecommunication (TMT) products and services. The company's diverse products and services portfolio includes software application development and maintenance, collaboration software solutions, web integration, web and mobile applications development, technical and maintenance services, IT manpower and resource augmentation, project implementation and management, managed services outsourcing, and fixed wireless broadband services, among others. Its segments include Software Licenses and Services, IT Manpower and Resource Augmentation, and Broadband and Wireless Cable TV Services.
41GF Score

Get the complete analysis for PHS:NOW

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

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Price
₱0.61
GF Value