Pan Jamaica Group (XJAM:PJAM) Effective Interest Rate on Debt %: 8.14% (As of Mar. 2026)

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XJAM:PJAM Pan Jamaica Group Ltd XJAM:PJAM
93 GF Score
Price JMD45.50
GF Value JMD63.45
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Pan Jamaica Group Effective Interest Rate on Debt %?

Pan Jamaica Group XJAM:PJAM +0.60% 93 Effective Interest Rate on Debt % is 8.14% as of Mar. 2026. GuruFocus rates XJAM:PJAM with a GF Score™ of 93/100 and a GF Value™ of JMD63.45 (Modestly Undervalued). 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. Pan Jamaica Group's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was JMD2,069 Mil. Pan Jamaica Group's average total debt for the quarter that ended in Mar. 2026 was JMD25,412 Mil. Therefore, Pan Jamaica Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 8.14%.


Pan Jamaica Group  (XJAM:PJAM) Effective Interest Rate on Debt % Explanation

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


Pan Jamaica Group Effective Interest Rate on Debt % Related Terms


Pan Jamaica Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Pan Jamaica Group'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.

Pan Jamaica Group Effective Interest Rate on Debt % Chart

Pan Jamaica Group 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 6.67 7.38 6.74 6.26 6.53

Pan Jamaica Group 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 6.35 6.44 7.24 6.43 8.14

XJAM:PJAM vs KO, PEP, MNST: Effective Interest Rate on Debt % Comparison

For the Beverages - Non-Alcoholic subindustry, Pan Jamaica Group'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.


Pan Jamaica Group Effective Interest Rate on Debt % vs Beverages - Non-Alcoholic Industry

For the Beverages - Non-Alcoholic industry and Consumer Defensive sector, Pan Jamaica Group's Effective Interest Rate on Debt % distribution charts can be found below:

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


XJAM:PJAM
93GF Score
Pan Jamaica Group Ltd XJAM:PJAM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Pan Jamaica Group Effective Interest Rate on Debt % Calculation

Pan Jamaica Group'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  *  -1683.133/( (25836.41+25709.224)/ 2 )
=-1  *  -1683.133/25772.817
=6.53 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=25570.731 + 265.679
=25836.41

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=25384.258 + 324.966
=25709.224

Pan Jamaica Group'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  *  -2068.736/( (25709.224+25114.881)/ 2 )
=-1  *  -2068.736/25412.0525
=8.14 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=25384.258 + 324.966
=25709.224

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=25114.881 + 0
=25114.881

* 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 8.14% mean?
Pan Jamaica Group (XJAM:PJAM) has a Effective Interest Rate on Debt % of 8.14% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Pan Jamaica Group and its competitors.
Is Pan Jamaica Group's Effective Interest Rate on Debt % too high?
Pan Jamaica Group's current Effective Interest Rate on Debt % is 8.14%. Overall, Pan Jamaica Group has a GF Score™ of 93/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pan Jamaica Group's Effective Interest Rate on Debt % compare to KO and PEP?
Pan Jamaica Group's Effective Interest Rate on Debt % of 8.14% can be compared against companies in the Beverages - Non-Alcoholic 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 Beverages - Non-Alcoholic company?
A good Effective Interest Rate on Debt % depends on the Beverages - Non-Alcoholic 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 Pan Jamaica Group and its competitors. Pan Jamaica Group's current Effective Interest Rate on Debt % is 8.14%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pan Jamaica Group stock overvalued right now?
Based on GuruFocus' analysis, Pan Jamaica Group (XJAM:PJAM) is currently considered Modestly Undervalued. The stock's GF Value™ is JMD63.45, compared to a current price of JMD45.50 — trading 28.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 8.14%. Pan Jamaica Group's overall GF Score™ is 93/100 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 Pan Jamaica Group (XJAM:PJAM), the current Effective Interest Rate on Debt % is 8.14% 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 Pan Jamaica Group (XJAM:PJAM) Overvalued in 2026?

Based on GuruFocus' analysis, Pan Jamaica Group stock appears to be undervalued. The current stock price of JMD45.50 is trading 28.3% below its estimated GF Value™ of JMD63.45. GuruFocus considers Pan Jamaica Group to be Modestly Undervalued.

Key valuation signals for XJAM:PJAM:

  • Effective Interest Rate on Debt %: 8.14%
  • GF Value™: JMD63.45 vs. price of JMD45.50 (28.3% below fair value)
  • GF Score™: 93/100 with 6 warning signs

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


Pan Jamaica Group Business Description

Address 60 Knutsford Boulevard, Kingston, JAM, 5
Pan Jamaica Group Ltd is a Caribbean-based multinational holding company. It acquires, holds, and operates businesses in the Caribbean, Europe and the Americas. The company's business is divided into five segments: i) The Property and Infrastructure segment focuses on the development and management of real estate and related infrastructure. ii) The Financial Services segment provides products and services to institutional and individual investors. iii) The Global Services segment includes logistics-related operations. iv) The Specialty Foods segment is engaged in agriculture, processing, distribution and/or retail of food and drink. v) Corporate services, which comprises interest and investment income. The majority of the company's revenue is derived from the Specialty Foods segment.
93GF Score

Get the complete analysis for XJAM:PJAM

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

JMD45.50
Price
JMD63.45
GF Value