Hortico (WAR:HOR) Effective Interest Rate on Debt %: 5.60% (As of Mar. 2026)

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WAR:HOR Hortico SA WAR:HOR
90 GF Score
Price zł7.35
GF Value zł7.03
Valuation Fairly Valued
! 6 Warning Signs
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What is Hortico Effective Interest Rate on Debt %?

Hortico WAR:HOR -2.65% 90 Effective Interest Rate on Debt % is 5.60% as of Mar. 2026. GuruFocus rates WAR:HOR with a GF Score™ of 90/100 and a GF Value™ of zł7.03 (Fairly Valued). The stock has 6 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. Hortico's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was zł1.2 Mil. Hortico's average total debt for the quarter that ended in Mar. 2026 was zł21.4 Mil. Therefore, Hortico's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.60%.


Hortico  (WAR:HOR) Effective Interest Rate on Debt % Explanation

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


Hortico Effective Interest Rate on Debt % Related Terms


Hortico Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Hortico'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.

Hortico Effective Interest Rate on Debt % Chart

Hortico Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.48 5.07 8.74 7.40 2.06

Hortico Quarterly Data
Jun21 Sep21 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 Premium Member Only 7.46 2.09 7.62 6.08 5.60

WAR:HOR vs GWW, FAST, FERG: Effective Interest Rate on Debt % Comparison

For the Industrial Distribution subindustry, Hortico'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.


Hortico Effective Interest Rate on Debt % vs Industrial Distribution Industry

For the Industrial Distribution industry and Industrials sector, Hortico's Effective Interest Rate on Debt % distribution charts can be found below:

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


WAR:HOR
90GF Score
Hortico SA WAR:HOR
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Hortico Effective Interest Rate on Debt % Calculation

Hortico'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  *  -0.378/( (13.739+22.92)/ 2 )
=-1  *  -0.378/18.3295
=2.06 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.078 + 13.661
=13.739

Hortico'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  *  -1.2/( (22.92+19.918)/ 2 )
=-1  *  -1.2/21.419
=5.60 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 19.918
=19.918

* 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 5.60% mean?
Hortico (WAR:HOR) has a Effective Interest Rate on Debt % of 5.60% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Hortico and its competitors.
Is Hortico's Effective Interest Rate on Debt % too high?
Hortico's current Effective Interest Rate on Debt % is 5.60%. Overall, Hortico has a GF Score™ of 90/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hortico's Effective Interest Rate on Debt % compare to GWW and FAST?
Hortico's Effective Interest Rate on Debt % of 5.60% can be compared against companies in the Industrial Distribution 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 an Industrial Distribution company?
A good Effective Interest Rate on Debt % depends on the Industrial Distribution 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 Hortico and its competitors. Hortico's current Effective Interest Rate on Debt % is 5.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hortico stock overvalued right now?
Based on GuruFocus' analysis, Hortico (WAR:HOR) is currently considered Fairly Valued. The stock's GF Value™ is zł7.03, compared to a current price of zł7.35 — trading 4.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.60%. Hortico's overall GF Score™ is 90/100 with 6 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 Hortico (WAR:HOR), the current Effective Interest Rate on Debt % is 5.60% 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 Hortico (WAR:HOR) Overvalued in 2026?

Based on GuruFocus' analysis, Hortico stock appears to be overvalued. The current stock price of zł7.35 is trading 4.6% above its estimated GF Value™ of zł7.03. GuruFocus considers Hortico to be Fairly Valued.

Key valuation signals for WAR:HOR:

  • Effective Interest Rate on Debt %: 5.60%
  • GF Value™: zł7.03 vs. price of zł7.35 (4.6% above fair value)
  • GF Score™: 90/100 with 6 warning signs

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


Hortico Business Description

Address Ulica Gieldowa 12H, Wroclaw, POL, 52-437
Hortico SA operates on the wholesale and retail sale of gardening articles. The company offers a wide range of goods, seeds and cuttings, fertilizers, garden substrates, biological protection agents, films and nonwovens, plant protection products, gardening equipment, garden tools and nursery articles. It works with suppliers from all over Europe and sells in Poland, Russia, Portugal, Hungary, Ukraine and Belarus.
90GF Score

Get the complete analysis for WAR:HOR

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

zł7.35
Price
zł7.03
GF Value