Vinacafe Bien Hoa JSC (STC:VCF) Effective Interest Rate on Debt %: 3.89% (As of Mar. 2026)


STC:VCF Vinacafe Bien Hoa JSC STC:VCF
73 GF Score
Price ₫295,200.00
GF Value ₫256,621.07
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Vinacafe Bien Hoa JSC Effective Interest Rate on Debt %?

Vinacafe Bien Hoa JSC STC:VCF +0.17% 73 Effective Interest Rate on Debt % is 3.89% as of Mar. 2026. GuruFocus rates STC:VCF with a GF Score™ of 73/100 and a GF Value™ of ₫256,621.07 (Modestly Overvalued). The stock has 7 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. Vinacafe Bien Hoa JSC's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₫4,756 Mil. Vinacafe Bien Hoa JSC's average total debt for the quarter that ended in Mar. 2026 was ₫122,356 Mil. Therefore, Vinacafe Bien Hoa JSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.89%.


Vinacafe Bien Hoa JSC  (STC:VCF) Effective Interest Rate on Debt % Explanation

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


Vinacafe Bien Hoa JSC Effective Interest Rate on Debt % Related Terms


Vinacafe Bien Hoa JSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Vinacafe Bien Hoa 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.

Vinacafe Bien Hoa JSC Effective Interest Rate on Debt % Chart

Vinacafe Bien Hoa 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 1.58 2.30 4.28 3.39 7.74

Vinacafe Bien Hoa JSC 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 4.78 4.96 4.86 5.51 3.89

STC:VCF vs KHC, GIS: Effective Interest Rate on Debt % Comparison

For the Packaged Foods subindustry, Vinacafe Bien Hoa 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.


Vinacafe Bien Hoa JSC Effective Interest Rate on Debt % vs Consumer Packaged Goods Industry

For the Consumer Packaged Goods industry and Consumer Defensive sector, Vinacafe Bien Hoa JSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Vinacafe Bien Hoa JSC's Effective Interest Rate on Debt % falls into.


STC:VCF
73GF Score
Vinacafe Bien Hoa JSC STC:VCF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Vinacafe Bien Hoa JSC Effective Interest Rate on Debt % Calculation

Vinacafe Bien Hoa 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  *  -9990.325/( (206867.711+51204.234)/ 2 )
=-1  *  -9990.325/129035.9725
=7.74 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 206867.711
=206867.711

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 51204.234
=51204.234

Vinacafe Bien Hoa JSC'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  *  -4756.092/( (51204.234+193507.103)/ 2 )
=-1  *  -4756.092/122355.6685
=3.89 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 51204.234
=51204.234

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 193507.103
=193507.103

* 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 3.89% mean?
Vinacafe Bien Hoa JSC (STC:VCF) has a Effective Interest Rate on Debt % of 3.89% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Vinacafe Bien Hoa JSC and its competitors.
Is Vinacafe Bien Hoa JSC's Effective Interest Rate on Debt % too high?
Vinacafe Bien Hoa JSC's current Effective Interest Rate on Debt % is 3.89%. Overall, Vinacafe Bien Hoa JSC has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vinacafe Bien Hoa JSC's Effective Interest Rate on Debt % compare to KHC and GIS?
Vinacafe Bien Hoa JSC's Effective Interest Rate on Debt % of 3.89% can be compared against companies in the Consumer Packaged Goods 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 Consumer Packaged Goods company?
A good Effective Interest Rate on Debt % depends on the Consumer Packaged Goods 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 Vinacafe Bien Hoa JSC and its competitors. Vinacafe Bien Hoa JSC's current Effective Interest Rate on Debt % is 3.89%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vinacafe Bien Hoa JSC stock overvalued right now?
Based on GuruFocus' analysis, Vinacafe Bien Hoa JSC (STC:VCF) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫256,621.07, compared to a current price of ₫295,200.00 — trading 15% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.89%. Vinacafe Bien Hoa JSC's overall GF Score™ is 73/100 with 7 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 Vinacafe Bien Hoa JSC (STC:VCF), the current Effective Interest Rate on Debt % is 3.89% 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 Vinacafe Bien Hoa JSC (STC:VCF) Overvalued in 2026?

Based on GuruFocus' analysis, Vinacafe Bien Hoa JSC stock appears to be overvalued. The current stock price of ₫295,200.00 is trading 15% above its estimated GF Value™ of ₫256,621.07. GuruFocus considers Vinacafe Bien Hoa JSC to be Modestly Overvalued.

Key valuation signals for STC:VCF:

  • Effective Interest Rate on Debt %: 3.89%
  • GF Value™: ₫256,621.07 vs. price of ₫295,200.00 (15% above fair value)
  • GF Score™: 73/100 with 7 warning signs

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


Vinacafe Bien Hoa JSC Business Description

Address Bien Hoa Industrial Zone 1, Dong Nai Province, Bien Hoa City, VNM
Vinacafe Bien Hoa JSC is engaged in the manufacturing and selling of various kinds of coffee, instant cereal and non-alcoholic drinks in the domestic and oversea markets. Its products include roasted ground coffee, original instant coffee, instant milk coffee three in one and ginseng coffee four in one. The company operates in two main segments: coffee and non-alcoholic drinks; and others which include cereals and other items.
73GF Score

Get the complete analysis for STC:VCF

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

₫295,200.00
Price
₫256,621.07
GF Value