ASR Nederland NV (WBO:ASRN) Effective Interest Rate on Debt %: 56.48% (As of Dec. 2025)


WBO:ASRN ASR Nederland NV WBO:ASRN
62 GF Score
Price €66.14
GF Value €41.52
! 12 Warning Signs
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What is ASR Nederland NV Effective Interest Rate on Debt %?

ASR Nederland NV WBO:ASRN +0.06% 62 Effective Interest Rate on Debt % is 56.48% as of Dec. 2025. GuruFocus rates WBO:ASRN with a GF Score™ of 62/100 and a GF Value™ of €41.52. The stock has 12 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. ASR Nederland NV's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €5,206 Mil. ASR Nederland NV's average total debt for the quarter that ended in Dec. 2025 was €9,218 Mil. Therefore, ASR Nederland NV's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 56.48%.


ASR Nederland NV  (WBO:ASRN) Effective Interest Rate on Debt % Explanation

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


ASR Nederland NV Effective Interest Rate on Debt % Related Terms


ASR Nederland NV Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for ASR Nederland NV'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.

ASR Nederland NV Effective Interest Rate on Debt % Chart

ASR Nederland NV 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 3.50 7.81 25.06 30.38 57.82

ASR Nederland NV Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 32.35 36.63 34.41 60.65 56.48

WBO:ASRN vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, ASR Nederland NV'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.


ASR Nederland NV Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, ASR Nederland NV's Effective Interest Rate on Debt % distribution charts can be found below:

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


WBO:ASRN
62GF Score
ASR Nederland NV WBO:ASRN
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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ASR Nederland NV Effective Interest Rate on Debt % Calculation

ASR Nederland NV'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  *  -5668/( (10692+8914)/ 2 )
=-1  *  -5668/9803
=57.82 %

where

ASR Nederland NV's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -5206/( (9522+8914)/ 2 )
=-1  *  -5206/9218
=56.48 %

where

* 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 two times the semi-annual (Dec. 2025) 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 56.48% mean?
ASR Nederland NV (WBO:ASRN) has a Effective Interest Rate on Debt % of 56.48% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ASR Nederland NV and its competitors.
Is ASR Nederland NV's Effective Interest Rate on Debt % too high?
ASR Nederland NV's current Effective Interest Rate on Debt % is 56.48%. Overall, ASR Nederland NV has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does ASR Nederland NV's Effective Interest Rate on Debt % compare to BRK.A and AIG?
ASR Nederland NV's Effective Interest Rate on Debt % of 56.48% can be compared against companies in the Insurance 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 Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 ASR Nederland NV and its competitors. ASR Nederland NV's current Effective Interest Rate on Debt % is 56.48%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ASR Nederland NV stock overvalued right now?
ASR Nederland NV (WBO:ASRN) has a current Effective Interest Rate on Debt % of 56.48%. The stock's GF Value™ is €41.52, compared to a current price of €66.14 — trading 59.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 56.48%. ASR Nederland NV's overall GF Score™ is 62/100 with 12 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 ASR Nederland NV (WBO:ASRN), the current Effective Interest Rate on Debt % is 56.48% as of Dec. 2025. 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 ASR Nederland NV (WBO:ASRN) Overvalued in 2026?

Based on GuruFocus' analysis, ASR Nederland NV stock appears to be overvalued. The current stock price of €66.14 is trading 59.3% above its estimated GF Value™ of €41.52.

Key valuation signals for WBO:ASRN:

  • Effective Interest Rate on Debt %: 56.48%
  • GF Value™: €41.52 vs. price of €66.14 (59.3% above fair value)
  • GF Score™: 62/100 with 12 warning signs

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


ASR Nederland NV Business Description

Address Archimedeslaan 10, P.O. Box 2072, Utrecht, UT, NLD, 3500 HB
ASR Nederland NV is an insurance company. The company offers a variety of insurance policies to its customers. The business segments are Non-life; Life; Banking, Asset Management; Distribution and Services and Holding and Other. The Non-life insurance entities offer Non-life insurance contracts. Its life insurance entities offer financial products such as life insurance contracts and life insurance contracts on behalf of policyholders. The Asset Management segment involves all activities related to asset management including investment property management. Its Distribution and Services segment includes activities related to the distribution of insurance contracts.
62GF 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.

€66.14
Price
€41.52
GF Value