Philippine Seven (PHS:SEVN) Effective Interest Rate on Debt %: 7.75% (As of Mar. 2026)

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PHS:SEVN Philippine Seven Corp PHS:SEVN
82 GF Score
Price ₱34.10
GF Value ₱54.17
Valuation Significantly Undervalued
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What is Philippine Seven Effective Interest Rate on Debt %?

Philippine Seven PHS:SEVN -1.16% 82 Effective Interest Rate on Debt % is 7.75% as of Mar. 2026. GuruFocus rates PHS:SEVN with a GF Score™ of 82/100 and a GF Value™ of ₱54.17 (Significantly Undervalued).

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. Philippine Seven's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₱1,082 Mil. Philippine Seven's average total debt for the quarter that ended in Mar. 2026 was ₱13,970 Mil. Therefore, Philippine Seven's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 7.75%.


Philippine Seven  (PHS:SEVN) Effective Interest Rate on Debt % Explanation

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


Philippine Seven Effective Interest Rate on Debt % Related Terms


Philippine Seven Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Philippine Seven'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.

Philippine Seven Effective Interest Rate on Debt % Chart

Philippine Seven 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 9.11 8.22 8.90 8.71 8.48

Philippine Seven 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 7.86 8.03 9.09 9.29 7.75

PHS:SEVN vs KR, SFM: Effective Interest Rate on Debt % Comparison

For the Grocery Stores subindustry, Philippine Seven'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.


Philippine Seven Effective Interest Rate on Debt % vs Retail - Defensive Industry

For the Retail - Defensive industry and Consumer Defensive sector, Philippine Seven's Effective Interest Rate on Debt % distribution charts can be found below:

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


PHS:SEVN
82GF Score
Philippine Seven Corp PHS:SEVN
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Philippine Seven Effective Interest Rate on Debt % Calculation

Philippine Seven'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  *  -1103.03/( (12021.436+13995.408)/ 2 )
=-1  *  -1103.03/13008.422
=8.48 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9582.341 + 2439.095
=12021.436

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11365.775 + 2629.633
=13995.408

Philippine Seven'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  *  -1082.48/( (13995.408+13944.831)/ 2 )
=-1  *  -1082.48/13970.1195
=7.75 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11365.775 + 2629.633
=13995.408

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11271.655 + 2673.176
=13944.831

* 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 7.75% mean?
Philippine Seven (PHS:SEVN) has a Effective Interest Rate on Debt % of 7.75% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Philippine Seven and its competitors.
Is Philippine Seven's Effective Interest Rate on Debt % too high?
Philippine Seven's current Effective Interest Rate on Debt % is 7.75%. Overall, Philippine Seven has a GF Score™ of 82/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Seven's Effective Interest Rate on Debt % compare to KR and SFM?
Philippine Seven's Effective Interest Rate on Debt % of 7.75% can be compared against companies in the Retail - Defensive 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 Retail - Defensive company?
A good Effective Interest Rate on Debt % depends on the Retail - Defensive 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 Philippine Seven and its competitors. Philippine Seven's current Effective Interest Rate on Debt % is 7.75%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Seven stock overvalued right now?
Based on GuruFocus' analysis, Philippine Seven (PHS:SEVN) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱54.17, compared to a current price of ₱34.10 — trading 37.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 7.75%. Philippine Seven's overall GF Score™ is 82/100. 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 Philippine Seven (PHS:SEVN), the current Effective Interest Rate on Debt % is 7.75% 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 Philippine Seven (PHS:SEVN) Overvalued in 2026?

Based on GuruFocus' analysis, Philippine Seven stock appears to be undervalued. The current stock price of ₱34.10 is trading 37.1% below its estimated GF Value™ of ₱54.17. GuruFocus considers Philippine Seven to be Significantly Undervalued.

Key valuation signals for PHS:SEVN:

  • Effective Interest Rate on Debt %: 7.75%
  • GF Value™: ₱54.17 vs. price of ₱34.10 (37.1% below fair value)
  • GF Score™: 82/100

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


Philippine Seven Business Description

Address Ortigas Avenue, 7th, 11th & 12th Floors Floor, The Columbia Tower, Mandaluyong, PHL, 1550
Philippine Seven Corp and its subsidiaries are engaged in retailing, merchandising, buying, selling, marketing, importing, exporting, franchising, acquiring, holding, distributing, warehousing, trading, exchanging, and handling payments for grocery items, dry goods, food products, beverages, and other consumer goods, along with operating warehouses, storage, delivery vehicles, and related facilities. The group is also involved in the management, development, sale, exchange, and holding of real estate, including buildings, houses, apartments, and other structures. Its revenues are derived from merchandise sales, franchise revenue, service income, rental income, and interest income. The company operates through a single segment, the store operations segment.
82GF Score

Get the complete analysis for PHS:SEVN

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

₱34.10
Price
₱54.17
GF Value