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.
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.
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. Luckin Coffee's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was €1 Mil. Luckin Coffee's average total debt for the quarter that ended in Jun. 2026 was €1,088 Mil. Therefore, Luckin Coffee's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 0.09%.
Luckin Coffee (STU:LC0A) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Luckin Coffee Effective Interest Rate on Debt % Related Terms
Luckin Coffee Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for Luckin Coffee'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.
Luckin Coffee Effective Interest Rate on Debt % Chart
STU:LC0A vs BROS, EAT, DPZ: Effective Interest Rate on Debt % Comparison
For the Restaurants subindustry, Luckin Coffee'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.
Luckin Coffee Effective Interest Rate on Debt % vs Restaurants Industry
For the Restaurants industry and Consumer Cyclical sector, Luckin Coffee's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Luckin Coffee's Effective Interest Rate on Debt % falls into.
* 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 0.09% mean?
Luckin Coffee (STU:LC0A) has a Effective Interest Rate on Debt % of 0.09% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Luckin Coffee and its competitors.
Is Luckin Coffee's Effective Interest Rate on Debt % too high?
Luckin Coffee's current Effective Interest Rate on Debt % is 0.09%. Overall, Luckin Coffee has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Luckin Coffee's Effective Interest Rate on Debt % compare to BROS and EAT?
Luckin Coffee's Effective Interest Rate on Debt % of 0.09% can be compared against companies in the Restaurants 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 Restaurants company?
A good Effective Interest Rate on Debt % depends on the Restaurants 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 Luckin Coffee and its competitors. Luckin Coffee's current Effective Interest Rate on Debt % is 0.09%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Luckin Coffee stock overvalued right now?
Based on GuruFocus' analysis, Luckin Coffee (STU:LC0A) is currently considered Modestly Undervalued. The stock's GF Value™ is €43.94, compared to a current price of €31.00 — trading 29.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 0.09%. Luckin Coffee's overall GF Score™ is 74/100 with 1 warning sign 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 Luckin Coffee (STU:LC0A), the current Effective Interest Rate on Debt % is 0.09% 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 Luckin Coffee (STU:LC0A) Overvalued in 2026?
Based on GuruFocus' analysis, Luckin Coffee stock appears to be undervalued.
The current stock price of €31.00 is trading 29.4% below its estimated GF Value™ of €43.94.
GuruFocus considers Luckin Coffee to be Modestly Undervalued.
Key valuation signals for STU:LC0A:
Effective Interest Rate on Debt %: 0.09%
GF Value™: €43.94 vs. price of €31.00 (29.4% below fair value)
No single metric tells the full story. See the STU:LC0A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Luckin Coffee Inc operates a coffee network in China, providing retail services for freshly brewed drinks and pre-made food and beverage items. Its technology-driven model is built on mobile apps and a store network, offering a cashier-less purchase experience with features such as store selection, advance ordering, multiple payment options, and real-time order tracking. The company mainly operates self-operated pick-up stores in high-demand locations, enabling rapid and cost-efficient expansion, and also uses partnership and franchise models. It offers multiple products, including coffee, tea drinks, snacks, and light meals, with recipes tailored to local preferences, supported by sourcing and proprietary technology for operations and supply chain management.
74GF Score
Get the complete analysis for STU:LC0A
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:LC0A has been successfully added to your 
