Procrea Holdings (TSE:7384) Effective Interest Rate on Debt %: 5.89% (As of Mar. 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:7384 Procrea Holdings Inc TSE:7384
34 GF Score
Price 円4,190.00
GF Value 円2,058.21
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Procrea Holdings Effective Interest Rate on Debt %?

Procrea Holdings TSE:7384 +2.44% 34 Effective Interest Rate on Debt % is 5.89% as of Mar. 2026. GuruFocus rates TSE:7384 with a GF Score™ of 34/100 and a GF Value™ of 円2,058.21 (Significantly Overvalued). The stock has 5 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. Procrea Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was 円14,144 Mil. Procrea Holdings's average total debt for the quarter that ended in Mar. 2026 was 円240,066 Mil. Therefore, Procrea Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.89%.


Procrea Holdings  (TSE:7384) Effective Interest Rate on Debt % Explanation

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


Procrea Holdings Effective Interest Rate on Debt % Related Terms


Procrea Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Procrea 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.

Procrea Holdings Effective Interest Rate on Debt % Chart

Procrea Holdings Annual Data
Trend Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
0.22 0.10 0.92 3.87

Procrea Holdings Quarterly Data
Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 1.65 2.67 3.47 3.73 5.89

Procrea Holdings Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Procrea 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.


Procrea Holdings Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Procrea Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


TSE:7384
34GF Score
Procrea Holdings Inc TSE:7384
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Procrea Holdings Effective Interest Rate on Debt % Calculation

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

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2025 )+Total Debt  (A: Mar. 2026 ))/ count )
=-1  *  -11988/( (420065+198793)/ 2 )
=-1  *  -11988/309429
=3.87 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=420065 + 0
=420065

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=198793 + 0
=198793

Procrea 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  *  -14144/( (281338+198793)/ 2 )
=-1  *  -14144/240065.5
=5.89 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=281338 + 0
=281338

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=198793 + 0
=198793

* 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 5.89% mean?
Procrea Holdings (TSE:7384) has a Effective Interest Rate on Debt % of 5.89% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Procrea Holdings and its competitors.
Is Procrea Holdings' Effective Interest Rate on Debt % too high?
Procrea Holdings' current Effective Interest Rate on Debt % is 5.89%. Overall, Procrea Holdings has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Procrea Holdings' Effective Interest Rate on Debt % compare to competitors?
Procrea Holdings' Effective Interest Rate on Debt % of 5.89% can be compared against companies in the Banks 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 Banks company?
A good Effective Interest Rate on Debt % depends on the Banks 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 Procrea Holdings and its competitors. Procrea Holdings's current Effective Interest Rate on Debt % is 5.89%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Procrea Holdings stock overvalued right now?
Based on GuruFocus' analysis, Procrea Holdings (TSE:7384) is currently considered Significantly Overvalued. The stock's GF Value™ is 円2,058.21, compared to a current price of 円4,190.00 — trading 103.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.89%. Procrea Holdings' overall GF Score™ is 34/100 with 5 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 Procrea Holdings (TSE:7384), the current Effective Interest Rate on Debt % is 5.89% 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 Procrea Holdings (TSE:7384) Overvalued in 2026?

Based on GuruFocus' analysis, Procrea Holdings stock appears to be overvalued. The current stock price of 円4,190.00 is trading 103.6% above its estimated GF Value™ of 円2,058.21. GuruFocus considers Procrea Holdings to be Significantly Overvalued.

Key valuation signals for TSE:7384:

  • Effective Interest Rate on Debt %: 5.89%
  • GF Value™: 円2,058.21 vs. price of 円4,190.00 (103.6% above fair value)
  • GF Score™: 34/100 with 5 warning signs

No single metric tells the full story. See the TSE:7384 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Procrea Holdings Business Description

Address 1-3-1, Katta, Aomori Prefecture, Aomori, JPN, 030-8622
Procrea Holdings Inc is engaged in Management of banks and companies that can be designated subsidiaries under the Banking Law, and all business incidental thereto, and Other business that a bank holding company may carry out under the Banking Act.
34GF Score

Get the complete analysis for TSE:7384

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

円4,190.00
Price
円2,058.21
GF Value