Freedom Holding (STU:DMW2) Effective Interest Rate on Debt %: 26.98% (As of Jun. 2026)

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STU:DMW2 Freedom Holding Corp STU:DMW2
82 GF Score
Price €145.00
GF Value €137.48
Valuation Fairly Valued
! 11 Warning Signs
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What is Freedom Holding Effective Interest Rate on Debt %?

Freedom Holding STU:DMW2 -0.70% 82 Effective Interest Rate on Debt % is 26.98% as of Jun. 2026. GuruFocus rates STU:DMW2 with a GF Score™ of 82/100 and a GF Value™ of €137.48 (Fairly Valued). The stock has 11 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. Freedom Holding's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was €611 Mil. Freedom Holding's average total debt for the quarter that ended in Jun. 2026 was €2,264 Mil. Therefore, Freedom Holding's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 26.98%.


Freedom Holding  (STU:DMW2) Effective Interest Rate on Debt % Explanation

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


Freedom Holding Effective Interest Rate on Debt % Related Terms


Freedom Holding Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Freedom Holding'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.

Freedom Holding Effective Interest Rate on Debt % Chart

Freedom Holding Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.55 17.67 21.41 21.49 21.61

Freedom Holding 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 24.11 24.47 27.57 25.23 26.98

STU:DMW2 vs VOYA, HTH, TMS: Effective Interest Rate on Debt % Comparison

For the Financial Conglomerates subindustry, Freedom Holding'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.


Freedom Holding Effective Interest Rate on Debt % vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, Freedom Holding's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Freedom Holding's Effective Interest Rate on Debt % falls into.


STU:DMW2
82GF Score
Freedom Holding Corp STU:DMW2
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Freedom Holding Effective Interest Rate on Debt % Calculation

Freedom Holding's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2025 )+Total Debt  (A: Mar. 2026 ))/ count )
=-1  *  -422.04740532471/( (1805.4480651731+2099.8802291269)/ 2 )
=-1  *  -422.04740532471/1952.66414715
=21.61 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=454.46583965932 + 1350.9822255138
=1805.4480651731

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1108.0845339351 + 991.79569519181
=2099.8802291269

Freedom Holding'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  *  -610.85928572632/( (2099.8802291269+2428.0643750547)/ 2 )
=-1  *  -610.85928572632/2263.9723020908
=26.98 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1108.0845339351 + 991.79569519181
=2099.8802291269

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1331.0592145544 + 1097.0051605003
=2428.0643750547

* 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 26.98% mean?
Freedom Holding (STU:DMW2) has a Effective Interest Rate on Debt % of 26.98% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Freedom Holding and its competitors.
Is Freedom Holding's Effective Interest Rate on Debt % too high?
Freedom Holding's current Effective Interest Rate on Debt % is 26.98%. Overall, Freedom Holding has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Freedom Holding's Effective Interest Rate on Debt % compare to VOYA and HTH?
Freedom Holding's Effective Interest Rate on Debt % of 26.98% can be compared against companies in the Diversified Financial 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 Diversified Financial Services company?
A good Effective Interest Rate on Debt % depends on the Diversified Financial 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 Freedom Holding and its competitors. Freedom Holding's current Effective Interest Rate on Debt % is 26.98%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Freedom Holding stock overvalued right now?
Based on GuruFocus' analysis, Freedom Holding (STU:DMW2) is currently considered Fairly Valued. The stock's GF Value™ is €137.48, compared to a current price of €145.00 — trading 5.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 26.98%. Freedom Holding's overall GF Score™ is 82/100 with 11 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 Freedom Holding (STU:DMW2), the current Effective Interest Rate on Debt % is 26.98% 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 Freedom Holding (STU:DMW2) Overvalued in 2026?

Based on GuruFocus' analysis, Freedom Holding stock appears to be overvalued. The current stock price of €145.00 is trading 5.5% above its estimated GF Value™ of €137.48. GuruFocus considers Freedom Holding to be Fairly Valued.

Key valuation signals for STU:DMW2:

  • Effective Interest Rate on Debt %: 26.98%
  • GF Value™: €137.48 vs. price of €145.00 (5.5% above fair value)
  • GF Score™: 82/100 with 11 warning signs

No single metric tells the full story. See the STU:DMW2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Freedom Holding Business Description

Address 40 Wall Street, 58th Floor, New York, NY, USA, 10005
Freedom Holding Corp is a financial services holding company operating primarily in Central Asia and Europe. Through its subsidiaries, it provides securities brokerage, investment banking, retail banking, insurance, and asset management services. Its banking operations include Freedom Bank Kazakhstan and Freedom Bank Tajikistan, while its brokerage business serves retail and institutional clients across Kazakhstan, Russia, Europe, and the United States. The company also offers payment processing, online trading platforms, and investment advisory services. Revenue is generated through interest income from banking operations, brokerage commissions, insurance premiums, and fees from investment banking and asset management. Kazakhstan represents its largest market by revenue, though the company maintains operations in several other countries including Cyprus, Armenia, Uzbekistan, and the United States. Freedom Holding is headquartered in Almaty, Kazakhstan, and its common stock trades on the Nasdaq Capital Market.
82GF Score

Get the complete analysis for STU:DMW2

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

€145.00
Price
€137.48
GF Value