CEWE Stiftung KGaA (STU:CWC) Effective Interest Rate on Debt %: 3.28% (As of Mar. 2026)


STU:CWC CEWE Stiftung & Co KGaA STU:CWC
76 GF Score
Price €91.60
GF Value €138.22
Valuation Significantly Undervalued
! 3 Warning Signs
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What is CEWE Stiftung KGaA Effective Interest Rate on Debt %?

CEWE Stiftung KGaA STU:CWC +0.44% 76 Effective Interest Rate on Debt % is 3.28% as of Mar. 2026. GuruFocus rates STU:CWC with a GF Score™ of 76/100 and a GF Value™ of €138.22 (Significantly Undervalued). The stock has 3 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. CEWE Stiftung KGaA's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €1.3 Mil. CEWE Stiftung KGaA's average total debt for the quarter that ended in Mar. 2026 was €40.3 Mil. Therefore, CEWE Stiftung KGaA's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.28%.


CEWE Stiftung KGaA  (STU:CWC) Effective Interest Rate on Debt % Explanation

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


CEWE Stiftung KGaA Effective Interest Rate on Debt % Related Terms


CEWE Stiftung KGaA Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for CEWE Stiftung KGaA'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.

CEWE Stiftung KGaA Effective Interest Rate on Debt % Chart

CEWE Stiftung KGaA 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 2.65 0.86 0.94 0.39 0.17

CEWE Stiftung KGaA 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 3.96 3.50 3.13 -10.64 3.28

STU:CWC vs ROL, SCI, HRB: Effective Interest Rate on Debt % Comparison

For the Personal Services subindustry, CEWE Stiftung KGaA'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.


CEWE Stiftung KGaA Effective Interest Rate on Debt % vs Personal Services Industry

For the Personal Services industry and Consumer Cyclical sector, CEWE Stiftung KGaA's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where CEWE Stiftung KGaA's Effective Interest Rate on Debt % falls into.


STU:CWC
76GF Score
CEWE Stiftung & Co KGaA STU:CWC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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CEWE Stiftung KGaA Effective Interest Rate on Debt % Calculation

CEWE Stiftung KGaA'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  *  -0.072/( (43.088+41.135)/ 2 )
=-1  *  -0.072/42.1115
=0.17 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=33.473 + 9.615
=43.088

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=31.715 + 9.42
=41.135

CEWE Stiftung KGaA'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  *  -1.32/( (41.135+39.469)/ 2 )
=-1  *  -1.32/40.302
=3.28 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=31.715 + 9.42
=41.135

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=30.173 + 9.296
=39.469

* 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 3.28% mean?
CEWE Stiftung KGaA (STU:CWC) has a Effective Interest Rate on Debt % of 3.28% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CEWE Stiftung KGaA and its competitors.
Is CEWE Stiftung KGaA's Effective Interest Rate on Debt % too high?
CEWE Stiftung KGaA's current Effective Interest Rate on Debt % is 3.28%. Overall, CEWE Stiftung KGaA has a GF Score™ of 76/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CEWE Stiftung KGaA's Effective Interest Rate on Debt % compare to ROL and SCI?
CEWE Stiftung KGaA's Effective Interest Rate on Debt % of 3.28% can be compared against companies in the Personal 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 Personal Services company?
A good Effective Interest Rate on Debt % depends on the Personal 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 CEWE Stiftung KGaA and its competitors. CEWE Stiftung KGaA's current Effective Interest Rate on Debt % is 3.28%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CEWE Stiftung KGaA stock overvalued right now?
Based on GuruFocus' analysis, CEWE Stiftung KGaA (STU:CWC) is currently considered Significantly Undervalued. The stock's GF Value™ is €138.22, compared to a current price of €91.60 — trading 33.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.28%. CEWE Stiftung KGaA's overall GF Score™ is 76/100 with 3 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 CEWE Stiftung KGaA (STU:CWC), the current Effective Interest Rate on Debt % is 3.28% 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 CEWE Stiftung KGaA (STU:CWC) Overvalued in 2026?

Based on GuruFocus' analysis, CEWE Stiftung KGaA stock appears to be undervalued. The current stock price of €91.60 is trading 33.7% below its estimated GF Value™ of €138.22. GuruFocus considers CEWE Stiftung KGaA to be Significantly Undervalued.

Key valuation signals for STU:CWC:

  • Effective Interest Rate on Debt %: 3.28%
  • GF Value™: €138.22 vs. price of €91.60 (33.7% below fair value)
  • GF Score™: 76/100 with 3 warning signs

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


CEWE Stiftung KGaA Business Description

Address Meerweg 30 - 32, Oldenburg, NI, DEU, 26133
CEWE Stiftung & Co KGaA is a German-based company which provides photo service, photo retail business, and commercial online printing. The company operates a business through three segments through photofinishing, retail, and commercial online printing. Its Photofinishing segment works on the printing of photos of analogue or digital origin. Retail unit trades photo hardware and photo products to end consumers using various brands such as Fotojoker, Fotolab and Japan Photo, among others. The Online Printing unit operates through online printing portals, such as www.cewe-print.de and others. The company derives it's majority of the revenue from photofinishing activity in Germany.
76GF Score

Get the complete analysis for STU:CWC

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

€91.60
Price
€138.22
GF Value