Binh Duong Trade and Development JSC (STC:TDC) Effective Interest Rate on Debt %: 12.95% (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STC:TDC Binh Duong Trade and Development JSC STC:TDC
61 GF Score
Price ₫7,300.00
GF Value ₫20,666.80
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is Binh Duong Trade and Development JSC Effective Interest Rate on Debt %?

Binh Duong Trade and Development JSC STC:TDC +0.27% 61 Effective Interest Rate on Debt % is 12.95% as of Jun. 2026. GuruFocus rates STC:TDC with a GF Score™ of 61/100 and a GF Value™ of ₫20,666.80 (Possible Value Trap). 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. Binh Duong Trade and Development JSC's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was ₫163,425 Mil. Binh Duong Trade and Development JSC's average total debt for the quarter that ended in Jun. 2026 was ₫1,261,887 Mil. Therefore, Binh Duong Trade and Development JSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 12.95%.


Binh Duong Trade and Development JSC  (STC:TDC) Effective Interest Rate on Debt % Explanation

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


Binh Duong Trade and Development JSC Effective Interest Rate on Debt % Related Terms


Binh Duong Trade and Development JSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Binh Duong Trade and Development JSC'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.

Binh Duong Trade and Development JSC Effective Interest Rate on Debt % Chart

Binh Duong Trade and Development JSC 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 9.04 14.12 11.24 9.92 10.32

Binh Duong Trade and Development JSC Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 15.43 6.21 12.13 5.48 12.95

STC:TDC vs CRH, VMC, MLM: Effective Interest Rate on Debt % Comparison

For the Building Materials subindustry, Binh Duong Trade and Development JSC'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.


Binh Duong Trade and Development JSC Effective Interest Rate on Debt % vs Building Materials Industry

For the Building Materials industry and Basic Materials sector, Binh Duong Trade and Development JSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Binh Duong Trade and Development JSC's Effective Interest Rate on Debt % falls into.


STC:TDC
61GF Score
Binh Duong Trade and Development JSC STC:TDC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Binh Duong Trade and Development JSC Effective Interest Rate on Debt % Calculation

Binh Duong Trade and Development JSC'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  *  -147329.961/( (1590449.617+1265787.968)/ 2 )
=-1  *  -147329.961/1428118.7925
=10.32 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=152642.154 + 1437807.463
=1590449.617

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=108605.241 + 1157182.727
=1265787.968

Binh Duong Trade and Development JSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -163425.488/( (1155309.296+1368464.826)/ 2 )
=-1  *  -163425.488/1261887.061
=12.95 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=104050.825 + 1051258.471
=1155309.296

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=121936.704 + 1246528.122
=1368464.826

* 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. 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 12.95% mean?
Binh Duong Trade and Development JSC (STC:TDC) has a Effective Interest Rate on Debt % of 12.95% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Binh Duong Trade and Development JSC and its competitors.
Is Binh Duong Trade and Development JSC's Effective Interest Rate on Debt % too high?
Binh Duong Trade and Development JSC's current Effective Interest Rate on Debt % is 12.95%. Overall, Binh Duong Trade and Development JSC has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Binh Duong Trade and Development JSC's Effective Interest Rate on Debt % compare to CRH and VMC?
Binh Duong Trade and Development JSC's Effective Interest Rate on Debt % of 12.95% can be compared against companies in the Building Materials 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 Building Materials company?
A good Effective Interest Rate on Debt % depends on the Building Materials 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 Binh Duong Trade and Development JSC and its competitors. Binh Duong Trade and Development JSC's current Effective Interest Rate on Debt % is 12.95%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Binh Duong Trade and Development JSC stock overvalued right now?
Based on GuruFocus' analysis, Binh Duong Trade and Development JSC (STC:TDC) is currently considered Possible Value Trap. The stock's GF Value™ is ₫20,666.80, compared to a current price of ₫7,300.00 — trading 64.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 12.95%. Binh Duong Trade and Development JSC's overall GF Score™ is 61/100 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 Binh Duong Trade and Development JSC (STC:TDC), the current Effective Interest Rate on Debt % is 12.95% as of Jun. 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 Binh Duong Trade and Development JSC (STC:TDC) Overvalued in 2026?

Based on GuruFocus' analysis, Binh Duong Trade and Development JSC stock appears to be undervalued. The current stock price of ₫7,300.00 is trading 64.7% below its estimated GF Value™ of ₫20,666.80. GuruFocus considers Binh Duong Trade and Development JSC to be Possible Value Trap.

Key valuation signals for STC:TDC:

  • Effective Interest Rate on Debt %: 12.95%
  • GF Value™: ₫20,666.80 vs. price of ₫7,300.00 (64.7% below fair value)
  • GF Score™: 61/100 with 4 warning signs

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


Binh Duong Trade and Development JSC Business Description

Address No 26-27, Dong Khoi Street, Plot I, Hoa Phu Ward, Binh Duong, Thu Dau Mot, VNM
Binh Duong Trade and Development JSC is a Vietnam based company engaged in the business lines of Trading real estate business, Construction, Production of materials and Material business. The real estate projects of the company include luxury apartment, the ground, villas, shop house, social security housing projects and others.
61GF Score

Get the complete analysis for STC:TDC

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

₫7,300.00
Price
₫20,666.80
GF Value