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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. Swvl Holdings's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $0.18 Mil. Swvl Holdings's average total debt for the quarter that ended in Dec. 2025 was $1.38 Mil. Therefore, Swvl Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 12.75%.
Swvl Holdings (NAS:SWVL) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Swvl Holdings Effective Interest Rate on Debt % Related Terms
Swvl Holdings Effective Interest Rate on Debt % Historical Data
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The historical data trend for Swvl Holdings'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.
Swvl Holdings Effective Interest Rate on Debt % Chart
SWVL vs RVSN, PNYG, UNP: Effective Interest Rate on Debt % Comparison
For the Railroads subindustry, Swvl Holdings'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.
Swvl Holdings Effective Interest Rate on Debt % vs Transportation Industry
For the Transportation industry and Industrials sector, Swvl Holdings's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Swvl Holdings'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 two times the semi-annual (Dec. 2025) 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 12.75% mean?
Swvl Holdings (SWVL) has a Effective Interest Rate on Debt % of 12.75% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Swvl Holdings and its competitors.
Is Swvl Holdings' Effective Interest Rate on Debt % too high?
Swvl Holdings' current Effective Interest Rate on Debt % is 12.75%. Overall, Swvl Holdings has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Swvl Holdings' Effective Interest Rate on Debt % compare to RVSN and PNYG?
Swvl Holdings' Effective Interest Rate on Debt % of 12.75% 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 Swvl Holdings and its competitors. Swvl Holdings's current Effective Interest Rate on Debt % is 12.75%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swvl Holdings stock overvalued right now?
Based on GuruFocus' analysis, Swvl Holdings (SWVL) is currently considered Fairly Valued. The stock's GF Value™ is $3.17, compared to a current price of $3.15 — trading 0.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 12.75%. Swvl Holdings' overall GF Score™ is 54/100 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 Swvl Holdings (SWVL), the current Effective Interest Rate on Debt % is 12.75% as of Dec. 2025. 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 Swvl Holdings (SWVL) Overvalued in 2026?
Based on GuruFocus' analysis, Swvl Holdings stock appears to be undervalued.
The current stock price of $3.15 is trading 0.6% below its estimated GF Value™ of $3.17.
GuruFocus considers Swvl Holdings to be Fairly Valued.
Key valuation signals for SWVL:
Effective Interest Rate on Debt %: 12.75%
GF Value™: $3.17 vs. price of $3.15 (0.6% below fair value)
No single metric tells the full story. See the SWVL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swvl Holdings Corp is a technology-driven mobility company providing mass transit solutions. It currently has two offerings: business-to-consumer (B2C) and B2B (marketed as Swvl Business). The company's B2C business utilizes its platform to provide riders with a network of minibuses and other vehicles that operate on fixed and semi-fixed routes throughout and between different cities. Riders can book available seats on vehicles to commute within a city. The Swvl Business caters to corporate customers (as well as schools and municipalities), providing them with transportation solutions for their employees and students. This business also offers transportation management software to clients who operate their own fleet. Geographically, the company generates maximum revenue from Egypt.
54GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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