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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. XChange Tec's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $3.01 Mil. XChange Tec's average total debt for the quarter that ended in Mar. 2026 was $98.69 Mil. Therefore, XChange Tec's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.05%.
XChange Tec (NAS:XHG) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
XChange Tec Effective Interest Rate on Debt % Related Terms
XChange Tec Effective Interest Rate on Debt % Historical Data
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The historical data trend for XChange Tec'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.
XChange Tec Effective Interest Rate on Debt % Chart
XHG vs EHTH, QDMI, HUIZ: Effective Interest Rate on Debt % Comparison
For the Insurance Brokers subindustry, XChange Tec'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.
XChange Tec Effective Interest Rate on Debt % vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where XChange Tec's Effective Interest Rate on Debt % falls into.
* 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 (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 3.05% mean?
XChange Tec (XHG) has a Effective Interest Rate on Debt % of 3.05% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on XChange Tec and its competitors.
Is XChange Tec's Effective Interest Rate on Debt % too high?
XChange Tec's current Effective Interest Rate on Debt % is 3.05%. Overall, XChange Tec has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does XChange Tec's Effective Interest Rate on Debt % compare to EHTH and QDMI?
XChange Tec's Effective Interest Rate on Debt % of 3.05% 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 XChange Tec and its competitors. XChange Tec's current Effective Interest Rate on Debt % is 3.05%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XChange Tec stock overvalued right now?
XChange Tec (XHG) has a current Effective Interest Rate on Debt % of 3.05%. The current Effective Interest Rate on Debt % is 3.05%. XChange Tec's overall GF Score™ is 13/100 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 XChange Tec (XHG), the current Effective Interest Rate on Debt % is 3.05% 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.
XChange Tec Inc, through its subsidiaries, operates in the insurance agency and insurance technology business. The company specialized in distributing automobile insurance policies at the earlier stage of business and subsequently expanded its insurance product portfolio to include other types of insurance, including life, health, group accident, and other property-related insurances. A maximum of the insurance purchased through platform and agency services is for automobile insurance.
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