RAFLF (Raffles Medical Group) Effective Interest Rate on Debt %: 4.56% (As of Dec. 2025)

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RAFLF Raffles Medical Group Ltd RAFLF
57 GF Score
Price $0.75
GF Value $0.84
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Raffles Medical Group Effective Interest Rate on Debt %?

Raffles Medical Group RAFLF 57 Effective Interest Rate on Debt % is 4.56% as of Dec. 2025. GuruFocus rates RAFLF with a GF Score™ of 57/100 and a GF Value™ of $0.84 (Modestly Undervalued). The stock has 4 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. Raffles Medical Group's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $3.0 Mil. Raffles Medical Group's average total debt for the quarter that ended in Dec. 2025 was $66.5 Mil. Therefore, Raffles Medical Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 4.56%.


Raffles Medical Group  (OTCPK:RAFLF) Effective Interest Rate on Debt % Explanation

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


Raffles Medical Group Effective Interest Rate on Debt % Related Terms


Raffles Medical Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Raffles Medical Group'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.

Raffles Medical Group Effective Interest Rate on Debt % Chart

Raffles Medical Group 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 3.12 4.68 5.98 5.83 4.77

Raffles Medical Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 6.70 5.91 5.44 5.10 4.56

RAFLF vs HCA, THC, DVA: Effective Interest Rate on Debt % Comparison

For the Medical Care Facilities subindustry, Raffles Medical Group'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.


Raffles Medical Group Effective Interest Rate on Debt % vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Raffles Medical Group's Effective Interest Rate on Debt % distribution charts can be found below:

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


RAFLF
57GF Score
Raffles Medical Group Ltd RAFLF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Raffles Medical Group Effective Interest Rate on Debt % Calculation

Raffles Medical Group'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  *  -3.173/( (65.29+67.731)/ 2 )
=-1  *  -3.173/66.5105
=4.77 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=53.148 + 12.142
=65.29

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=21.252 + 46.479
=67.731

Raffles Medical Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -3.032/( (65.368+67.731)/ 2 )
=-1  *  -3.032/66.5495
=4.56 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18.291 + 47.077
=65.368

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=21.252 + 46.479
=67.731

* 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 two times the semi-annual (Dec. 2025) 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 4.56% mean?
Raffles Medical Group (RAFLF) has a Effective Interest Rate on Debt % of 4.56% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Raffles Medical Group and its competitors.
Is Raffles Medical Group's Effective Interest Rate on Debt % too high?
Raffles Medical Group's current Effective Interest Rate on Debt % is 4.56%. Overall, Raffles Medical Group has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Raffles Medical Group's Effective Interest Rate on Debt % compare to HCA and THC?
Raffles Medical Group's Effective Interest Rate on Debt % of 4.56% can be compared against companies in the Healthcare Providers & 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 Healthcare Providers & Services company?
A good Effective Interest Rate on Debt % depends on the Healthcare Providers & 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 Raffles Medical Group and its competitors. Raffles Medical Group's current Effective Interest Rate on Debt % is 4.56%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raffles Medical Group stock overvalued right now?
Based on GuruFocus' analysis, Raffles Medical Group (RAFLF) is currently considered Modestly Undervalued. The stock's GF Value™ is $0.84, compared to a current price of $0.75 — trading 10.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.56%. Raffles Medical Group's overall GF Score™ is 57/100 with 4 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 Raffles Medical Group (RAFLF), the current Effective Interest Rate on Debt % is 4.56% as of Dec. 2025. 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 Raffles Medical Group (RAFLF) Overvalued in 2026?

Based on GuruFocus' analysis, Raffles Medical Group stock appears to be undervalued. The current stock price of $0.75 is trading 10.4% below its estimated GF Value™ of $0.84. GuruFocus considers Raffles Medical Group to be Modestly Undervalued.

Key valuation signals for RAFLF:

  • Effective Interest Rate on Debt %: 4.56%
  • GF Value™: $0.84 vs. price of $0.75 (10.4% below fair value)
  • GF Score™: 57/100 with 4 warning signs

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


Raffles Medical Group Business Description

Other Exchanges BSL:Singapore
Address 585 North Bridge Road, No. 11-00, Raffles Hospital, Singapore, SGP, 188770
Raffles Medical Group Ltd is an integrated private healthcare provider in Asia with operations in Singapore, China, Japan, Vietnam, and Cambodia. The company owns and operates a tertiary hospital, a network of medical and dental clinics, insurance services, Japanese and Traditional Chinese Medicine clinics, and a consumer healthcare division. The company's operating segment includes Healthcare services, Hospital Services, Investment Holdings, and Insurance Services. The company generates revenue from contracts with customers, Rental Income, and Insurance revenue. Geographically operates in Singapore, Greater China, Vietnam, Cambodia and Japan.
57GF Score

Get the complete analysis for RAFLF

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

$0.75
Price
$0.84
GF Value