Neco Insurance Co (XNEP:NIL) Effective Interest Rate on Debt %: 0.00% (As of Apr. 2026)

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XNEP:NIL Neco Insurance Co Ltd XNEP:NIL
98 GF Score
Price NPR592.50
GF Value NPR737.92
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Neco Insurance Co Effective Interest Rate on Debt %?

Neco Insurance Co XNEP:NIL -0.97% 98 Effective Interest Rate on Debt % is 0.00% as of Apr. 2026. GuruFocus rates XNEP:NIL with a GF Score™ of 98/100 and a GF Value™ of NPR737.92 (Modestly Undervalued). The stock has 4 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. Neco Insurance Co's annualized positive value of Interest Expense for the quarter that ended in Apr. 2026 was NPR0 Mil. Neco Insurance Co's average total debt for the quarter that ended in Apr. 2026 was NPR0 Mil. Therefore, Neco Insurance Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 was N/A%.


Neco Insurance Co  (XNEP:NIL) Effective Interest Rate on Debt % Explanation

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


Neco Insurance Co Effective Interest Rate on Debt % Related Terms


Neco Insurance Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Neco 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.

Neco Insurance Co Effective Interest Rate on Debt % Chart

Neco Insurance Co Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4,893.08 -221.95 9.69 12.77 12.18

Neco Insurance Co Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 58.88 0.00 0.00 0.00

XNEP:NIL vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, Neco 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.


Neco Insurance Co Effective Interest Rate on Debt % vs Insurance Industry

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

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


XNEP:NIL
98GF Score
Neco Insurance Co Ltd XNEP:NIL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Neco Insurance Co Effective Interest Rate on Debt % Calculation

Neco Insurance Co's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jul. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jul. 2024 )+Total Debt  (A: Jul. 2025 ))/ count )
=-1  *  -9.414/( (90.63+63.959)/ 2 )
=-1  *  -9.414/77.2945
=12.18 %

where

Total Debt  (A: Jul. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 63.959
=63.959

Neco Insurance Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jan. 2026 )+Total Debt  (Q: Apr. 2026 ))/ count )
=-1  *  0/( (0+0)/ 1 )
=-1  *  0/0
=N/A %

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 four times the quarterly (Apr. 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 0.00% mean?
Neco Insurance Co (XNEP:NIL) has a Effective Interest Rate on Debt % of 0.00% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Neco Insurance Co and its competitors.
Is Neco Insurance Co's Effective Interest Rate on Debt % too high?
Neco Insurance Co's current Effective Interest Rate on Debt % is 0.00%. Overall, Neco Insurance Co has a GF Score™ of 98/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Neco Insurance Co's Effective Interest Rate on Debt % compare to BRK.A and AIG?
Neco Insurance Co's Effective Interest Rate on Debt % of 0.00% 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 Neco Insurance Co and its competitors. Neco Insurance Co'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 Neco Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Neco Insurance Co (XNEP:NIL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR737.92, compared to a current price of NPR592.50 — trading 19.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Neco Insurance Co's overall GF Score™ is 98/100 with 4 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 Neco Insurance Co (XNEP:NIL), the current Effective Interest Rate on Debt % is 0.00% as of Apr. 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 Neco Insurance Co (XNEP:NIL) Overvalued in 2026?

Based on GuruFocus' analysis, Neco Insurance Co stock appears to be undervalued. The current stock price of NPR592.50 is trading 19.7% below its estimated GF Value™ of NPR737.92. GuruFocus considers Neco Insurance Co to be Modestly Undervalued.

Key valuation signals for XNEP:NIL:

  • Effective Interest Rate on Debt %: 0.00%
  • GF Value™: NPR737.92 vs. price of NPR592.50 (19.7% below fair value)
  • GF Score™: 98/100 with 4 warning signs

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


Neco Insurance Co Business Description

Address Beema Bhawan, P.O. Box No. 12271, Gyaneshwor, Kathmandu, NPL
Neco Insurance Co Ltd is a non-life insurance company. The firm's business segment comprises Aviation, Engineering, Fire, Marine, Motor, Micro, Cattle and Crop, and Miscellaneous. The company underwrites all types of general insurance risk through different kinds of policies prevailing in the market under seven categories, i.e., Property, Motor, Aviation, Marine, Engineering, Agriculture, and Miscellaneous.
98GF Score

Get the complete analysis for XNEP:NIL

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

NPR592.50
Price
NPR737.92
GF Value