Human Creation Holdings (TSE:7361) Effective Interest Rate on Debt %: 1.60% (As of Mar. 2026)

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TSE:7361 Human Creation Holdings Inc TSE:7361
82 GF Score
Price 円1,209.00
GF Value 円1,728.81
Valuation Significantly Undervalued
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What is Human Creation Holdings Effective Interest Rate on Debt %?

Human Creation Holdings TSE:7361 +2.20% 82 Effective Interest Rate on Debt % is 1.60% as of Mar. 2026. GuruFocus rates TSE:7361 with a GF Score™ of 82/100 and a GF Value™ of 円1,728.81 (Significantly Undervalued).

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. Human Creation Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was 円15 Mil. Human Creation Holdings's average total debt for the quarter that ended in Mar. 2026 was 円959 Mil. Therefore, Human Creation Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 1.60%.


Human Creation Holdings  (TSE:7361) Effective Interest Rate on Debt % Explanation

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


Human Creation Holdings Effective Interest Rate on Debt % Related Terms


Human Creation Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Human Creation 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.

Human Creation Holdings Effective Interest Rate on Debt % Chart

Human Creation Holdings Annual Data
Trend Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.61 0.92 1.02 0.68 1.47

Human Creation Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 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 1.94 1.37 1.35 1.60 1.71

TSE:7361 vs KFY, RHI, TNET: Effective Interest Rate on Debt % Comparison

For the Staffing & Employment Services subindustry, Human Creation 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.


Human Creation Holdings Effective Interest Rate on Debt % vs Business Services Industry

For the Business Services industry and Industrials sector, Human Creation Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


TSE:7361
82GF Score
Human Creation Holdings Inc TSE:7361
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Human Creation Holdings Effective Interest Rate on Debt % Calculation

Human Creation Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Sep. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Sep. 2024 )+Total Debt  (A: Sep. 2025 ))/ count )
=-1  *  -11.148/( (375.839+1143.479)/ 2 )
=-1  *  -11.148/759.659
=1.47 %

where

Total Debt  (A: Sep. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=253.125 + 122.714
=375.839

Total Debt  (A: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=789.843 + 353.636
=1143.479

Human Creation Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -15.352/( (993.595+924.187)/ 2 )
=-1  *  -15.352/958.891
=1.60 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=727.104 + 266.491
=993.595

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=664.365 + 259.822
=924.187

* 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 (Mar. 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 1.60% mean?
Human Creation Holdings (TSE:7361) has a Effective Interest Rate on Debt % of 1.60% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Human Creation Holdings and its competitors.
Is Human Creation Holdings' Effective Interest Rate on Debt % too high?
Human Creation Holdings' current Effective Interest Rate on Debt % is 1.60%. Overall, Human Creation Holdings has a GF Score™ of 82/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Human Creation Holdings' Effective Interest Rate on Debt % compare to KFY and RHI?
Human Creation Holdings' Effective Interest Rate on Debt % of 1.60% can be compared against companies in the Business 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 Business Services company?
A good Effective Interest Rate on Debt % depends on the Business 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 Human Creation Holdings and its competitors. Human Creation Holdings's current Effective Interest Rate on Debt % is 1.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Human Creation Holdings stock overvalued right now?
Based on GuruFocus' analysis, Human Creation Holdings (TSE:7361) is currently considered Significantly Undervalued. The stock's GF Value™ is 円1,728.81, compared to a current price of 円1,209.00 — trading 30.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 1.60%. Human Creation Holdings' overall GF Score™ is 82/100. 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 Human Creation Holdings (TSE:7361), the current Effective Interest Rate on Debt % is 1.60% as of Mar. 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 Human Creation Holdings (TSE:7361) Overvalued in 2026?

Based on GuruFocus' analysis, Human Creation Holdings stock appears to be undervalued. The current stock price of 円1,209.00 is trading 30.1% below its estimated GF Value™ of 円1,728.81. GuruFocus considers Human Creation Holdings to be Significantly Undervalued.

Key valuation signals for TSE:7361:

  • Effective Interest Rate on Debt %: 1.60%
  • GF Value™: 円1,728.81 vs. price of 円1,209.00 (30.1% below fair value)
  • GF Score™: 82/100

No single metric tells the full story. See the TSE:7361 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Human Creation Holdings Business Description

Address 3-2-1 Kasumigaseki, Kasumigaseki Common Gate West Building 24th floor, Chiyoda-ku, Tokyo, JPN, 100-0013
Human Creation Holdings Inc is engaged in the temporary personnel business specializing in dispatching engineers who develop and maintain systems.
82GF Score

Get the complete analysis for TSE:7361

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

円1,209.00
Price
円1,728.81
GF Value