Realia Business (XMAD:RLIA) Effective Interest Rate on Debt %: 2.97% (As of Dec. 2025)


XMAD:RLIA Realia Business SA XMAD:RLIA
53 GF Score
Price €1.03
GF Value €0.57
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is Realia Business Effective Interest Rate on Debt %?

Realia Business XMAD:RLIA +0.99% 53 Effective Interest Rate on Debt % is 2.97% as of Dec. 2025. GuruFocus rates XMAD:RLIA with a GF Score™ of 53/100 and a GF Value™ of €0.57 (Significantly Overvalued). The stock has 8 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. Realia Business's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €26.3 Mil. Realia Business's average total debt for the quarter that ended in Dec. 2025 was €885.2 Mil. Therefore, Realia Business's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 2.97%.


Realia Business  (XMAD:RLIA) Effective Interest Rate on Debt % Explanation

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


Realia Business Effective Interest Rate on Debt % Related Terms


Realia Business Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Realia Business'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.

Realia Business Effective Interest Rate on Debt % Chart

Realia Business 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 1.96 2.24 4.73 5.84 3.39

Realia Business 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 4.00 8.31 5.63 3.66 2.97

XMAD:RLIA vs CBRE, BEKE, JLL: Effective Interest Rate on Debt % Comparison

For the Real Estate Services subindustry, Realia Business'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.


Realia Business Effective Interest Rate on Debt % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Realia Business's Effective Interest Rate on Debt % distribution charts can be found below:

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


XMAD:RLIA
53GF Score
Realia Business SA XMAD:RLIA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Realia Business Effective Interest Rate on Debt % Calculation

Realia Business'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  *  -30.045/( (935.723+838.727)/ 2 )
=-1  *  -30.045/887.225
=3.39 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=292.184 + 643.539
=935.723

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=556.372 + 282.355
=838.727

Realia Business'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  *  -26.306/( (931.656+838.727)/ 2 )
=-1  *  -26.306/885.1915
=2.97 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=693.818 + 237.838
=931.656

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=556.372 + 282.355
=838.727

* 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 2.97% mean?
Realia Business (XMAD:RLIA) has a Effective Interest Rate on Debt % of 2.97% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Realia Business and its competitors.
Is Realia Business' Effective Interest Rate on Debt % too high?
Realia Business' current Effective Interest Rate on Debt % is 2.97%. Overall, Realia Business has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Realia Business' Effective Interest Rate on Debt % compare to CBRE and BEKE?
Realia Business' Effective Interest Rate on Debt % of 2.97% can be compared against companies in the Real Estate 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 Real Estate company?
A good Effective Interest Rate on Debt % depends on the Real Estate 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 Realia Business and its competitors. Realia Business's current Effective Interest Rate on Debt % is 2.97%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Realia Business stock overvalued right now?
Based on GuruFocus' analysis, Realia Business (XMAD:RLIA) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.57, compared to a current price of €1.03 — trading 79.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 2.97%. Realia Business' overall GF Score™ is 53/100 with 8 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 Realia Business (XMAD:RLIA), the current Effective Interest Rate on Debt % is 2.97% 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 Realia Business (XMAD:RLIA) Overvalued in 2026?

Based on GuruFocus' analysis, Realia Business stock appears to be overvalued. The current stock price of €1.03 is trading 79.8% above its estimated GF Value™ of €0.57. GuruFocus considers Realia Business to be Significantly Overvalued.

Key valuation signals for XMAD:RLIA:

  • Effective Interest Rate on Debt %: 2.97%
  • GF Value™: €0.57 vs. price of €1.03 (79.8% above fair value)
  • GF Score™: 53/100 with 8 warning signs

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


Realia Business Business Description

Other Exchanges 0KBV:UK
Address Avenue Del Camino de Santiago 40, Madrid, ESP, 28050
Realia Business SA is a real estate company. It is mainly engaged in the promotion, management, and operation of all kinds of real estate assets. Its areas of activity include property, through the development and lease of its own offices and shopping centers, the development of housing and land management. In addition, the company holds a diversified portfolio of tenants, including great international firms of high solvency, and several public institutions. It has two reportable segments: Sale of property developments and land consisting of the majority of the revenue and followed by Property rentals segment.
53GF Score

Get the complete analysis for XMAD:RLIA

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

€1.03
Price
€0.57
GF Value