ISP Finance Services (XJAM:ISP) Effective Interest Rate on Debt %: 0.00% (As of . 20)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XJAM:ISP ISP Finance Services Ltd XJAM:ISP
22 GF Score
Price JMD8.54
View Full Analysis

What is ISP Finance Services Effective Interest Rate on Debt %?

ISP Finance Services XJAM:ISP 22 Effective Interest Rate on Debt % is 0.00% as of . 20. GuruFocus rates XJAM:ISP with a GF Score™ of 22/100.

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. ISP Finance Services's annualized positive value of Interest Expense for the quarter that ended in . 20 was JMD Mil. ISP Finance Services's average total debt for the quarter that ended in . 20 was JMD Mil. Therefore, ISP Finance Services's annualized Effective Interest Rate on Debt % for the quarter that ended in . 20 was %.


ISP Finance Services  (XJAM:ISP) Effective Interest Rate on Debt % Explanation

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


ISP Finance Services Effective Interest Rate on Debt % Related Terms


ISP Finance Services Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for ISP Finance Services'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.

ISP Finance Services Effective Interest Rate on Debt % Chart

ISP Finance Services Annual Data
Trend
Effective Interest Rate on Debt %

ISP Finance Services Semi-Annual Data
Effective Interest Rate on Debt %

ISP Finance Services Effective Interest Rate on Debt % Competitor Comparison

For the Credit Services subindustry, ISP Finance Services'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.


ISP Finance Services Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, ISP Finance Services's Effective Interest Rate on Debt % distribution charts can be found below:

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


XJAM:ISP
22GF Score
ISP Finance Services Ltd XJAM:ISP
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ISP Finance Services Effective Interest Rate on Debt % Calculation

ISP Finance Services's annualized Effective Interest Rate on Debt % for the fiscal year that ended in . 20 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: . 20 )+Total Debt  (A: . 20 ))/ count )
=-1  *  /( (+)/ )
=-1  *  /
= %

where

ISP Finance Services's annualized Effective Interest Rate on Debt % for the quarter that ended in . 20 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: . 20 )+Total Debt  (Q: . 20 ))/ count )
=-1  *  /( (+)/ )
=-1  *  /
= %

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 one times the annual (. 20) 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 0.00% mean?
ISP Finance Services (XJAM:ISP) has a Effective Interest Rate on Debt % of 0.00% as of . 20. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ISP Finance Services and its competitors.
Is ISP Finance Services' Effective Interest Rate on Debt % too high?
ISP Finance Services' current Effective Interest Rate on Debt % is 0.00%. Overall, ISP Finance Services has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does ISP Finance Services' Effective Interest Rate on Debt % compare to competitors?
ISP Finance Services' Effective Interest Rate on Debt % of 0.00% can be compared against companies in the Credit 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit 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 ISP Finance Services and its competitors. ISP Finance Services's current Effective Interest Rate on Debt % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ISP Finance Services stock overvalued right now?
ISP Finance Services (XJAM:ISP) has a current Effective Interest Rate on Debt % of 0.00%. The current Effective Interest Rate on Debt % is 0.00%. ISP Finance Services' overall GF Score™ is 22/100. 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 ISP Finance Services (XJAM:ISP), the current Effective Interest Rate on Debt % is 0.00% as of . 20. 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.

ISP Finance Services Business Description

Address 17 Phoenix Avenue, Kingston, JAM, KGN 10
ISP Finance Services Ltd provides commercial loans and personal short term loans in Jamaica.
22GF Score

Get the complete analysis for XJAM:ISP

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

JMD8.54
Price