Asian Life Insurance Co (XNEP:ALICL) Effective Interest Rate on Debt %: 5.29% (As of Apr. 2025)

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XNEP:ALICL Asian Life Insurance Co Ltd XNEP:ALICL
52 GF Score
Price NPR399.50
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What is Asian Life Insurance Co Effective Interest Rate on Debt %?

Asian Life Insurance Co XNEP:ALICL 52 Effective Interest Rate on Debt % is 5.29% as of Apr. 2025. GuruFocus rates XNEP:ALICL with a GF Score™ of 52/100.

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. Asian Life Insurance Co's annualized positive value of Interest Expense for the quarter that ended in Apr. 2025 was NPR12 Mil. Asian Life Insurance Co's average total debt for the quarter that ended in Apr. 2025 was NPR228 Mil. Therefore, Asian Life Insurance Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2025 was 5.29%.


Asian Life Insurance Co  (XNEP:ALICL) Effective Interest Rate on Debt % Explanation

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


Asian Life Insurance Co Effective Interest Rate on Debt % Related Terms


Asian Life Insurance Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Asian Life Insurance Co'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.

Asian Life Insurance Co Effective Interest Rate on Debt % Chart

Asian Life Insurance Co Annual Data
Trend Jul13 Jul14 Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.03 7.01

Asian Life Insurance Co Quarterly Data
Oct19 Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Oct23 Jan24 Apr24 Jan25 Apr25
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 0.00 0.00 4.18 1.24 5.29

XNEP:ALICL vs AFL, MET: Effective Interest Rate on Debt % Comparison

For the Insurance - Life subindustry, Asian Life Insurance Co'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.


Asian Life Insurance Co Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Asian Life Insurance Co's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Asian Life Insurance Co's Effective Interest Rate on Debt % falls into.


XNEP:ALICL
52GF Score
Asian Life Insurance Co Ltd XNEP:ALICL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Asian Life Insurance Co Effective Interest Rate on Debt % Calculation

Asian Life Insurance Co's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jul. 2022 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jul. 2021 )+Total Debt  (A: Jul. 2022 ))/ count )
=-1  *  -9.246/( (260+3.803)/ 2 )
=-1  *  -9.246/131.9015
=7.01 %

where

Asian Life Insurance Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jan. 2025 )+Total Debt  (Q: Apr. 2025 ))/ count )
=-1  *  -12.064/( (303.824+152.038)/ 2 )
=-1  *  -12.064/227.931
=5.29 %

where

Total Debt  (Q: Jan. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=303.824 + 0
=303.824

Total Debt  (Q: Apr. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=152.038 + 0
=152.038

* 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 (Apr. 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 5.29% mean?
Asian Life Insurance Co (XNEP:ALICL) has a Effective Interest Rate on Debt % of 5.29% as of Apr. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Asian Life Insurance Co and its competitors.
Is Asian Life Insurance Co's Effective Interest Rate on Debt % too high?
Asian Life Insurance Co's current Effective Interest Rate on Debt % is 5.29%. Overall, Asian Life Insurance Co has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Asian Life Insurance Co's Effective Interest Rate on Debt % compare to AFL and MET?
Asian Life Insurance Co's Effective Interest Rate on Debt % of 5.29% 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 Asian Life Insurance Co and its competitors. Asian Life Insurance Co's current Effective Interest Rate on Debt % is 5.29%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asian Life Insurance Co stock overvalued right now?
Asian Life Insurance Co (XNEP:ALICL) has a current Effective Interest Rate on Debt % of 5.29%. The current Effective Interest Rate on Debt % is 5.29%. Asian Life Insurance Co's overall GF Score™ is 52/100. 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 Asian Life Insurance Co (XNEP:ALICL), the current Effective Interest Rate on Debt % is 5.29% as of Apr. 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.

Asian Life Insurance Co Business Description

Address Maitidevi, Asian Life Building, Kathmandu, NPL, 44600
Asian Life Insurance Co Ltd operates predominantly in the insurance industry in Nepal. It is focused on providing various life insurance products, including participating and nonparticipating products, through its provincial offices, branches, sub-branches, and network of agents. The company's business segments include Endowment, Foreign Employment Term, Anticipated Endowment, Micro Term, Special Term, Child Endowment, Endowment Cum Whole Life, and Others. Maximum revenue is generated from its Endowment Insurance business.
52GF Score

Get the complete analysis for XNEP:ALICL

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

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