VFS (VinFast Auto) Effective Interest Rate on Debt %: 18.47% (As of Mar. 2026)


VFS VinFast Auto Ltd VFS
44 GF Score
Price $3.04
GF Value $11.87
Valuation Possible Value Trap
! 5 Warning Signs
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What is VinFast Auto Effective Interest Rate on Debt %?

VinFast Auto VFS 44 Effective Interest Rate on Debt % is 18.47% as of Mar. 2026. GuruFocus rates VFS with a GF Score™ of 44/100 and a GF Value™ of $11.87 (Possible Value Trap). 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. VinFast Auto's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $778 Mil. VinFast Auto's average total debt for the quarter that ended in Mar. 2026 was $4,210 Mil. Therefore, VinFast Auto's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 18.47%.


VinFast Auto  (NAS:VFS) Effective Interest Rate on Debt % Explanation

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


VinFast Auto Effective Interest Rate on Debt % Related Terms


VinFast Auto Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for VinFast Auto'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.

VinFast Auto Effective Interest Rate on Debt % Chart

VinFast Auto Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 5.29 9.05 10.38 11.47 12.54

VinFast Auto Quarterly Data
Dec20 Dec21 Mar22 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 Premium Member Only Premium Member Only Premium Member Only 19.04 30.05 28.16 2.57 18.47

VFS vs XPEV, LCID, LI: Effective Interest Rate on Debt % Comparison

For the Auto Manufacturers subindustry, VinFast Auto'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.


VinFast Auto Effective Interest Rate on Debt % vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, VinFast Auto's Effective Interest Rate on Debt % distribution charts can be found below:

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


VFS
44GF Score
VinFast Auto Ltd VFS
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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VinFast Auto Effective Interest Rate on Debt % Calculation

VinFast Auto's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -658.238/( (5560.803+4936.687)/ 2 )
=-1  *  -658.238/5248.745
=12.54 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1933.141 + 3627.662
=5560.803

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2476.145 + 2460.542
=4936.687

VinFast Auto'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  *  -777.68/( (4936.687+3484.264)/ 2 )
=-1  *  -777.68/4210.4755
=18.47 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2476.145 + 2460.542
=4936.687

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2052.365 + 1431.899
=3484.264

* 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 18.47% mean?
VinFast Auto (VFS) has a Effective Interest Rate on Debt % of 18.47% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on VinFast Auto and its competitors.
Is VinFast Auto's Effective Interest Rate on Debt % too high?
VinFast Auto's current Effective Interest Rate on Debt % is 18.47%. Overall, VinFast Auto has a GF Score™ of 44/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does VinFast Auto's Effective Interest Rate on Debt % compare to XPEV and LCID?
VinFast Auto's Effective Interest Rate on Debt % of 18.47% can be compared against companies in the Vehicles & Parts 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 Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts 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 VinFast Auto and its competitors. VinFast Auto's current Effective Interest Rate on Debt % is 18.47%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VinFast Auto stock overvalued right now?
Based on GuruFocus' analysis, VinFast Auto (VFS) is currently considered Possible Value Trap. The stock's GF Value™ is $11.87, compared to a current price of $3.04 — trading 74.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 18.47%. VinFast Auto's overall GF Score™ is 44/100 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 VinFast Auto (VFS), the current Effective Interest Rate on Debt % is 18.47% 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 VinFast Auto (VFS) Overvalued in 2026?

Based on GuruFocus' analysis, VinFast Auto stock appears to be undervalued. The current stock price of $3.04 is trading 74.4% below its estimated GF Value™ of $11.87. GuruFocus considers VinFast Auto to be Possible Value Trap.

Key valuation signals for VFS:

  • Effective Interest Rate on Debt %: 18.47%
  • GF Value™: $11.87 vs. price of $3.04 (74.4% below fair value)
  • GF Score™: 44/100 with 5 warning signs

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


VinFast Auto Business Description

Other Exchanges 0TL:Germany
Address Dinh Vu - Cat Hai Economic Zone, Cat Hai Islands, Cat Hai Town, Cat Hai District, Hai Phong, VNM
VinFast Auto Ltd manufactures cars, and motor vehicles, renders leasing activities, trades smartphones, and related businesses. The company is engaged in designing and manufacturing premium EVs, e-scooters, and e-buses. The company's initial EV product line is an all-new range of fully electric A- through E-segment SUVs. The Company has three reportable segments, namely Car, E-scooter and Ebus. The Car segment includes the design, development, manufacturing and sales of cars and related battery lease and battery charging services for cars. The E-scooter segment includes the design, development, manufacturing and sales of e-scooters and related battery lease and battery charging service for e-scooters. The Ebus segment includes the design, development, manufacturing and sales of Ebus.
44GF 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.

$3.04
Price
$11.87
GF Value