Unitedllective Co (TSE:3557) Effective Interest Rate on Debt %: 1.14% (As of Feb. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

TSE:3557 United & Collective Co Ltd TSE:3557
65 GF Score
Price 円565.00
GF Value 円882.77
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is Unitedllective Co Effective Interest Rate on Debt %?

Unitedllective Co TSE:3557 65 Effective Interest Rate on Debt % is 1.14% as of Feb. 2026. GuruFocus rates TSE:3557 with a GF Score™ of 65/100 and a GF Value™ of 円882.77 (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. Unitedllective Co's annualized positive value of Interest Expense for the quarter that ended in Feb. 2026 was 円30 Mil. Unitedllective Co's average total debt for the quarter that ended in Feb. 2026 was 円2,631 Mil. Therefore, Unitedllective Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 was 1.14%.


Unitedllective Co  (TSE:3557) Effective Interest Rate on Debt % Explanation

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


Unitedllective Co Effective Interest Rate on Debt % Related Terms


Unitedllective Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Unitedllective Co'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.

Unitedllective Co Effective Interest Rate on Debt % Chart

Unitedllective Co 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 0.77 0.78 0.64 0.88 1.09

Unitedllective Co Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Feb25 May25 Aug25 Nov25 Feb26 May26
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 1.29 0.79 1.11 1.14 1.75

TSE:3557 vs MCD, SBUX, YUM: Effective Interest Rate on Debt % Comparison

For the Restaurants subindustry, Unitedllective Co'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.


Unitedllective Co Effective Interest Rate on Debt % vs Restaurants Industry

For the Restaurants industry and Consumer Cyclical sector, Unitedllective Co's Effective Interest Rate on Debt % distribution charts can be found below:

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


TSE:3557
65GF Score
United & Collective Co Ltd TSE:3557
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Unitedllective Co Effective Interest Rate on Debt % Calculation

Unitedllective Co'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  *  -29.147/( (2748.77+2580.561)/ 2 )
=-1  *  -29.147/2664.6655
=1.09 %

where

Total Debt  (A: Feb. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2281.065 + 467.705
=2748.77

Total Debt  (A: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2128.056 + 452.505
=2580.561

Unitedllective Co'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: Nov. 2025 )+Total Debt  (Q: Feb. 2026 ))/ count )
=-1  *  -29.956/( (2682.133+2580.561)/ 2 )
=-1  *  -29.956/2631.347
=1.14 %

where

Total Debt  (Q: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2210.97 + 471.163
=2682.133

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2128.056 + 452.505
=2580.561

* 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 (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 1.14% mean?
Unitedllective Co (TSE:3557) has a Effective Interest Rate on Debt % of 1.14% as of Feb. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Unitedllective Co and its competitors.
Is Unitedllective Co's Effective Interest Rate on Debt % too high?
Unitedllective Co's current Effective Interest Rate on Debt % is 1.14%. Overall, Unitedllective Co has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Unitedllective Co's Effective Interest Rate on Debt % compare to MCD and SBUX?
Unitedllective Co's Effective Interest Rate on Debt % of 1.14% 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 Unitedllective Co and its competitors. Unitedllective Co's current Effective Interest Rate on Debt % is 1.14%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unitedllective Co stock overvalued right now?
Based on GuruFocus' analysis, Unitedllective Co (TSE:3557) is currently considered Significantly Undervalued. The stock's GF Value™ is 円882.77, compared to a current price of 円565.00 — trading 36% below its estimated fair value. The current Effective Interest Rate on Debt % is 1.14%. Unitedllective Co's overall GF Score™ is 65/100 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 Unitedllective Co (TSE:3557), the current Effective Interest Rate on Debt % is 1.14% 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 Unitedllective Co (TSE:3557) Overvalued in 2026?

Based on GuruFocus' analysis, Unitedllective Co stock appears to be undervalued. The current stock price of 円565.00 is trading 36% below its estimated GF Value™ of 円882.77. GuruFocus considers Unitedllective Co to be Significantly Undervalued.

Key valuation signals for TSE:3557:

  • Effective Interest Rate on Debt %: 1.14%
  • GF Value™: 円882.77 vs. price of 円565.00 (36% below fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the TSE:3557 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Unitedllective Co Business Description

Address 2-5-1 Kojimachi, Chiyoda-ku, Tokyo, JPN, 107-6023
United & Collective Co Ltd is engaged in Management of restaurants. It operates a Japanese-style pub. The restaurant specializes in chicken under the brands Kokoro, a Japanese restaurant and 3rd Burger, a hamburger cafe in Tokyo.
65GF Score

Get the complete analysis for TSE:3557

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

円565.00
Price
円882.77
GF Value