MTN Ghana (XGHA:MTNGH) Effective Interest Rate on Debt %: 22.77% (As of Jun. 2026)

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XGHA:MTNGH MTN Ghana XGHA:MTNGH
100 GF Score
Price GHS6.86
GF Value GHS4.52
Valuation Significantly Overvalued
! 7 Warning Signs
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What is MTN Ghana Effective Interest Rate on Debt %?

MTN Ghana XGHA:MTNGH +0.88% 100 Effective Interest Rate on Debt % is 22.77% as of Jun. 2026. GuruFocus rates XGHA:MTNGH with a GF Score™ of 100/100 and a GF Value™ of GHS4.52 (Significantly Overvalued). The stock has 7 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. MTN Ghana's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was GHS784 Mil. MTN Ghana's average total debt for the quarter that ended in Jun. 2026 was GHS3,441 Mil. Therefore, MTN Ghana's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 22.77%.


MTN Ghana  (XGHA:MTNGH) Effective Interest Rate on Debt % Explanation

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


MTN Ghana Effective Interest Rate on Debt % Related Terms


MTN Ghana Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for MTN Ghana'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.

MTN Ghana Effective Interest Rate on Debt % Chart

MTN Ghana Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only 14.93 17.33 21.57 29.31 28.29

MTN Ghana Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 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 28.04 13.15 69.65 25.84 22.77

XGHA:MTNGH vs VZ, TMUS, T: Effective Interest Rate on Debt % Comparison

For the Telecom Services subindustry, MTN Ghana'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.


MTN Ghana Effective Interest Rate on Debt % vs Telecommunication Services Industry

For the Telecommunication Services industry and Communication Services sector, MTN Ghana's Effective Interest Rate on Debt % distribution charts can be found below:

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


XGHA:MTNGH
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MTN Ghana XGHA:MTNGH
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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MTN Ghana Effective Interest Rate on Debt % Calculation

MTN Ghana'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  *  -979.051/( (3262.95+3659.635)/ 2 )
=-1  *  -979.051/3461.2925
=28.29 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2640.636 + 622.314
=3262.95

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3132.95 + 526.685
=3659.635

MTN Ghana's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -783.552/( (3539.263+3343.453)/ 2 )
=-1  *  -783.552/3441.358
=22.77 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2958.82 + 580.443
=3539.263

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2716.694 + 626.759
=3343.453

* 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 (Jun. 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 22.77% mean?
MTN Ghana (XGHA:MTNGH) has a Effective Interest Rate on Debt % of 22.77% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on MTN Ghana and its competitors.
Is MTN Ghana's Effective Interest Rate on Debt % too high?
MTN Ghana's current Effective Interest Rate on Debt % is 22.77%. Overall, MTN Ghana has a GF Score™ of 100/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MTN Ghana's Effective Interest Rate on Debt % compare to VZ and TMUS?
MTN Ghana's Effective Interest Rate on Debt % of 22.77% can be compared against companies in the Telecommunication 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 Telecommunication Services company?
A good Effective Interest Rate on Debt % depends on the Telecommunication 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 MTN Ghana and its competitors. MTN Ghana's current Effective Interest Rate on Debt % is 22.77%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MTN Ghana stock overvalued right now?
Based on GuruFocus' analysis, MTN Ghana (XGHA:MTNGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS4.52, compared to a current price of GHS6.86 — trading 51.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 22.77%. MTN Ghana's overall GF Score™ is 100/100 with 7 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 MTN Ghana (XGHA:MTNGH), the current Effective Interest Rate on Debt % is 22.77% as of Jun. 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 MTN Ghana (XGHA:MTNGH) Overvalued in 2026?

Based on GuruFocus' analysis, MTN Ghana stock appears to be overvalued. The current stock price of GHS6.86 is trading 51.8% above its estimated GF Value™ of GHS4.52. GuruFocus considers MTN Ghana to be Significantly Overvalued.

Key valuation signals for XGHA:MTNGH:

  • Effective Interest Rate on Debt %: 22.77%
  • GF Value™: GHS4.52 vs. price of GHS6.86 (51.8% above fair value)
  • GF Score™: 100/100 with 7 warning signs

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


MTN Ghana Business Description

Address MTN House, Independence Avenue, West Ridge, Plot OER 6, Accra, GHA
MTN Ghana is a Ghana-based company that provides mobile financial services in the financial services industry. The principal activities are the provision of telecommunication services including voice, data, and enterprise solutions, mobile financial services, the development of strategic partnerships to provide developed services, and the provision of consultancy and support services in the mobile banking, payment services and fintech space. The company has four reportable segments, namely Network services, Interconnect and roaming, Digital and Fintech, and devices and accessories, out of which it derives maximum revenue from Network services.
100GF 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.

GHS6.86
Price
GHS4.52
GF Value