PPHI (Positive Physicians Holdings) Effective Interest Rate on Debt %: 1.93% (As of Jun. 2022)

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PPHI Positive Physicians Holdings Inc PPHI
12 GF Score
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What is Positive Physicians Holdings Effective Interest Rate on Debt %?

Positive Physicians Holdings PPHI 12 Effective Interest Rate on Debt % is 1.93% as of Jun. 2022. GuruFocus rates PPHI with a GF Score™ of 12/100.

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. Positive Physicians Holdings's annualized positive value of Interest Expense for the quarter that ended in Jun. 2022 was $0.06 Mil. Positive Physicians Holdings's average total debt for the quarter that ended in Jun. 2022 was $3.31 Mil. Therefore, Positive Physicians Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2022 was 1.93%.


Positive Physicians Holdings  (OTCPK:PPHI) Effective Interest Rate on Debt % Explanation

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


Positive Physicians Holdings Effective Interest Rate on Debt % Related Terms


Positive Physicians Holdings Effective Interest Rate on Debt % Historical Data

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The historical data trend for Positive Physicians Holdings'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.

Positive Physicians Holdings Effective Interest Rate on Debt % Chart

Positive Physicians Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 1.86 3.82 3.13 4.62 0.47

Positive Physicians Holdings Quarterly Data
Dec16 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22
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 0.00 0.24 1.53 1.55 1.93

PPHI vs MMMM, ICCH, FACO: Effective Interest Rate on Debt % Comparison

For the Insurance - Specialty subindustry, Positive Physicians Holdings'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.


Positive Physicians Holdings Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Positive Physicians Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


PPHI
12GF Score
Positive Physicians Holdings Inc PPHI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Positive Physicians Holdings Effective Interest Rate on Debt % Calculation

Positive Physicians Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2021 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2020 )+Total Debt  (A: Dec. 2021 ))/ count )
=-1  *  -0.016/( (0+3.372)/ 1 )
=-1  *  -0.016/3.372
=0.47 %

where

Positive Physicians Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2022 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2022 )+Total Debt  (Q: Jun. 2022 ))/ count )
=-1  *  -0.064/( (3.333+3.294)/ 2 )
=-1  *  -0.064/3.3135
=1.93 %

where

* 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 (Jun. 2022) 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 1.93% mean?
Positive Physicians Holdings (PPHI) has a Effective Interest Rate on Debt % of 1.93% as of Jun. 2022. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Positive Physicians Holdings and its competitors.
Is Positive Physicians Holdings' Effective Interest Rate on Debt % too high?
Positive Physicians Holdings' current Effective Interest Rate on Debt % is 1.93%. Overall, Positive Physicians Holdings has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Positive Physicians Holdings' Effective Interest Rate on Debt % compare to MMMM and ICCH?
Positive Physicians Holdings' Effective Interest Rate on Debt % of 1.93% can be compared against companies in the Insurance 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 an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 Positive Physicians Holdings and its competitors. Positive Physicians Holdings's current Effective Interest Rate on Debt % is 1.93%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Positive Physicians Holdings stock overvalued right now?
Positive Physicians Holdings (PPHI) has a current Effective Interest Rate on Debt % of 1.93%. The current Effective Interest Rate on Debt % is 1.93%. Positive Physicians Holdings' overall GF Score™ is 12/100. 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 Positive Physicians Holdings (PPHI), the current Effective Interest Rate on Debt % is 1.93% as of Jun. 2022. 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.

Positive Physicians Holdings Business Description

Address 850 Cassatt Road, Suite 220, 100 Berwyn Park, Berwyn, PA, USA, 19312
Positive Physicians Holdings Inc, through its subsidiaries, writes medical professional liability insurance for physicians, physician groups, and allied healthcare providers such as physician assistants and certified registered nurse practitioners. The insurance coverage offers claims-made coverage, claims-made plus, and occurrence-based policies, as well as tail coverage in Pennsylvania, New Jersey, Ohio, Delaware, Maryland, South Carolina, and Michigan. The company generates revenue in the form of net premiums, net investment income, and net realized and unrealized gains from investments.
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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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