Lum Chang Creations (SGX:LCC) Effective Interest Rate on Debt %: 5.91% (As of Dec. 2025)

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SGX:LCC Lum Chang Creations Ltd SGX:LCC
20 GF Score
Price S$0.35
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What is Lum Chang Creations Effective Interest Rate on Debt %?

Lum Chang Creations SGX:LCC -5.41% 20 Effective Interest Rate on Debt % is 5.91% as of Dec. 2025. GuruFocus rates SGX:LCC with a GF Score™ of 20/100.

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. Lum Chang Creations's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was S$0.1 Mil. Lum Chang Creations's average total debt for the quarter that ended in Dec. 2025 was S$1.9 Mil. Therefore, Lum Chang Creations's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 5.91%.


Lum Chang Creations  (SGX:LCC) Effective Interest Rate on Debt % Explanation

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


Lum Chang Creations Effective Interest Rate on Debt % Related Terms


Lum Chang Creations Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Lum Chang Creations'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.

Lum Chang Creations Effective Interest Rate on Debt % Chart

Lum Chang Creations Annual Data
Trend Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
2.68 2.68 1.77 5.59

Lum Chang Creations Semi-Annual Data
Jun22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial 2.50 1.26 1.16 6.69 5.91

SGX:LCC vs PWR, FIX, EME: Effective Interest Rate on Debt % Comparison

For the Engineering & Construction subindustry, Lum Chang Creations'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.


Lum Chang Creations Effective Interest Rate on Debt % vs Construction Industry

For the Construction industry and Industrials sector, Lum Chang Creations's Effective Interest Rate on Debt % distribution charts can be found below:

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


SGX:LCC
20GF Score
Lum Chang Creations Ltd SGX:LCC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Lum Chang Creations Effective Interest Rate on Debt % Calculation

Lum Chang Creations's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -0.058/( (0.794+1.281)/ 2 )
=-1  *  -0.058/1.0375
=5.59 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.574 + 0.22
=0.794

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.952 + 0.329
=1.281

Lum Chang Creations'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  *  -0.114/( (1.281+2.577)/ 2 )
=-1  *  -0.114/1.929
=5.91 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.952 + 0.329
=1.281

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.129 + 0.448
=2.577

* 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 5.91% mean?
Lum Chang Creations (SGX:LCC) has a Effective Interest Rate on Debt % of 5.91% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Lum Chang Creations and its competitors.
Is Lum Chang Creations' Effective Interest Rate on Debt % too high?
Lum Chang Creations' current Effective Interest Rate on Debt % is 5.91%. Overall, Lum Chang Creations has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.
How does Lum Chang Creations' Effective Interest Rate on Debt % compare to PWR and FIX?
Lum Chang Creations' Effective Interest Rate on Debt % of 5.91% can be compared against companies in the Construction 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 Construction company?
A good Effective Interest Rate on Debt % depends on the Construction 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 Lum Chang Creations and its competitors. Lum Chang Creations's current Effective Interest Rate on Debt % is 5.91%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lum Chang Creations stock overvalued right now?
Lum Chang Creations (SGX:LCC) has a current Effective Interest Rate on Debt % of 5.91%. The current Effective Interest Rate on Debt % is 5.91%. Lum Chang Creations' overall GF Score™ is 20/100. 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 Lum Chang Creations (SGX:LCC), the current Effective Interest Rate on Debt % is 5.91% 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.

Lum Chang Creations Business Description

Address 14 Kung Chong Road, No. 07-02, Lum Chang Building, Singapore, SGP, 159150
Lum Chang Creations Ltd provides customised solutions for different types of heritage buildings and brownfield redevelopments and provide complex conservation and restoration works, interior fit-out works and A&A works for urban revitalisation and assets enhancement. It also provide high quality and bespoke services across a broad range of sectors, including the public, infrastructural, institutional, commercial, retail, F&B and hospitality sectors in Singapore.
20GF Score

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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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