STVLF (Santova) Effective Interest Rate on Debt %: 5.44% (As of Feb. 2026)


STVLF Santova Ltd STVLF
85 GF Score
Price $0.11
GF Value $0.20
! 4 Warning Signs
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What is Santova Effective Interest Rate on Debt %?

Santova STVLF 85 Effective Interest Rate on Debt % is 5.44% as of Feb. 2026. GuruFocus rates STVLF with a GF Score™ of 85/100 and a GF Value™ of $0.20. 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. Santova's annualized positive value of Interest Expense for the quarter that ended in Feb. 2026 was $1.36 Mil. Santova's average total debt for the quarter that ended in Feb. 2026 was $24.92 Mil. Therefore, Santova's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 was 5.44%.


Santova  (OTCPK:STVLF) Effective Interest Rate on Debt % Explanation

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


Santova Effective Interest Rate on Debt % Related Terms


Santova Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Santova'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.

Santova Effective Interest Rate on Debt % Chart

Santova Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.41 1.74 1.24 1.55 5.74

Santova Semi-Annual Data
Aug16 Feb17 Aug17 Feb18 Aug18 Feb19 Aug19 Feb20 Aug20 Feb21 Aug21 Feb22 Aug22 Feb23 Aug23 Feb24 Aug24 Feb25 Aug25 Feb26
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 1.42 1.26 1.51 3.11 5.44

STVLF vs UPS, FDX, JBHT: Effective Interest Rate on Debt % Comparison

For the Integrated Freight & Logistics subindustry, Santova'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.


Santova Effective Interest Rate on Debt % vs Transportation Industry

For the Transportation industry and Industrials sector, Santova's Effective Interest Rate on Debt % distribution charts can be found below:

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


STVLF
85GF Score
Santova Ltd STVLF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Santova Effective Interest Rate on Debt % Calculation

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

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Feb. 2025 )+Total Debt  (A: Feb. 2026 ))/ count )
=-1  *  -0.969/( (8.92+24.839)/ 2 )
=-1  *  -0.969/16.8795
=5.74 %

where

Total Debt  (A: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.832 + 13.007
=24.839

Santova's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Aug. 2025 )+Total Debt  (Q: Feb. 2026 ))/ count )
=-1  *  -1.356/( (25+24.839)/ 2 )
=-1  *  -1.356/24.9195
=5.44 %

where

Total Debt  (Q: Aug. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=13.532 + 11.468
=25

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.832 + 13.007
=24.839

* 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 two times the semi-annual (Feb. 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 5.44% mean?
Santova (STVLF) has a Effective Interest Rate on Debt % of 5.44% as of Feb. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Santova and its competitors.
Is Santova's Effective Interest Rate on Debt % too high?
Santova's current Effective Interest Rate on Debt % is 5.44%. Overall, Santova has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does Santova's Effective Interest Rate on Debt % compare to UPS and FDX?
Santova's Effective Interest Rate on Debt % of 5.44% can be compared against companies in the Transportation 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 Transportation company?
A good Effective Interest Rate on Debt % depends on the Transportation 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 Santova and its competitors. Santova's current Effective Interest Rate on Debt % is 5.44%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Santova stock overvalued right now?
Santova (STVLF) has a current Effective Interest Rate on Debt % of 5.44%. The stock's GF Value™ is $0.20, compared to a current price of $0.11 — trading 47.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 5.44%. Santova's overall GF Score™ is 85/100 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 Santova (STVLF), the current Effective Interest Rate on Debt % is 5.44% as of Feb. 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 Santova (STVLF) Overvalued in 2026?

Based on GuruFocus' analysis, Santova stock appears to be undervalued. The current stock price of $0.11 is trading 47.1% below its estimated GF Value™ of $0.20.

Key valuation signals for STVLF:

  • Effective Interest Rate on Debt %: 5.44%
  • GF Value™: $0.20 vs. price of $0.11 (47.1% below fair value)
  • GF Score™: 85/100 with 4 warning signs

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


Santova Business Description

Other Exchanges SNV:South Africa
Address Level 3 West, 1 Ncondo Place, Umhlanga Ridge, Umhlanga, NL, ZAF, 4319
Santova Ltd is a South African firm engaged in the international trade solutions business. Its core services are Supply chain solutions, business intelligence, logistic services, Client Sourcing, Procurement Management Services, Express sensitive services, and financial services. The company operates in three segments, namely Logistics services segment is into the coordination and control over the forward and reverse movement of client's goods across the entire supply chain from source to destination; Financial services comprise insurance and related services and the Group segment provides support services to all group's business unit. Majority of its revenue is derived from the Logistics segment. Its geographical segments include Africa, Asia Pacific, UK, North America and Europe.
85GF Score

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