Mon Courtier Energie Groupe (XPAR:ALMCE) Effective Interest Rate on Debt %: 3.14% (As of Dec. 2025)

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.

XPAR:ALMCE Mon Courtier Energie Groupe SA XPAR:ALMCE
67 GF Score
Price €5.50
GF Value €8.63
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is Mon Courtier Energie Groupe Effective Interest Rate on Debt %?

Mon Courtier Energie Groupe XPAR:ALMCE 67 Effective Interest Rate on Debt % is 3.14% as of Dec. 2025. GuruFocus rates XPAR:ALMCE with a GF Score™ of 67/100 and a GF Value™ of €8.63 (Significantly Undervalued). The stock has 3 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. Mon Courtier Energie Groupe's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.03 Mil. Mon Courtier Energie Groupe's average total debt for the quarter that ended in Dec. 2025 was €1.02 Mil. Therefore, Mon Courtier Energie Groupe's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 3.14%.


Mon Courtier Energie Groupe  (XPAR:ALMCE) Effective Interest Rate on Debt % Explanation

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


Mon Courtier Energie Groupe Effective Interest Rate on Debt % Related Terms


Mon Courtier Energie Groupe Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Mon Courtier Energie Groupe'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.

Mon Courtier Energie Groupe Effective Interest Rate on Debt % Chart

Mon Courtier Energie Groupe Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
0.00 1.64 1.59 1.83 3.40

Mon Courtier Energie Groupe Semi-Annual Data
Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only 1.63 1.48 2.46 4.93 3.14

XPAR:ALMCE vs CTAS, CPRT, GPN: Effective Interest Rate on Debt % Comparison

For the Specialty Business Services subindustry, Mon Courtier Energie Groupe'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.


Mon Courtier Energie Groupe Effective Interest Rate on Debt % vs Business Services Industry

For the Business Services industry and Industrials sector, Mon Courtier Energie Groupe's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Mon Courtier Energie Groupe's Effective Interest Rate on Debt % falls into.


XPAR:ALMCE
67GF Score
Mon Courtier Energie Groupe SA XPAR:ALMCE
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mon Courtier Energie Groupe Effective Interest Rate on Debt % Calculation

Mon Courtier Energie Groupe'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  *  -0.036/( (0.849+1.266)/ 2 )
=-1  *  -0.036/1.0575
=3.40 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.702 + 0.147
=0.849

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.001 + 0.265
=1.266

Mon Courtier Energie Groupe'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  *  -0.032/( (0.774+1.266)/ 2 )
=-1  *  -0.032/1.02
=3.14 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.001 + 0.265
=1.266

* 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 3.14% mean?
Mon Courtier Energie Groupe (XPAR:ALMCE) has a Effective Interest Rate on Debt % of 3.14% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Mon Courtier Energie Groupe and its competitors.
Is Mon Courtier Energie Groupe's Effective Interest Rate on Debt % too high?
Mon Courtier Energie Groupe's current Effective Interest Rate on Debt % is 3.14%. Overall, Mon Courtier Energie Groupe has a GF Score™ of 67/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mon Courtier Energie Groupe's Effective Interest Rate on Debt % compare to CTAS and CPRT?
Mon Courtier Energie Groupe's Effective Interest Rate on Debt % of 3.14% can be compared against companies in the Business 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 Business Services company?
A good Effective Interest Rate on Debt % depends on the Business 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 Mon Courtier Energie Groupe and its competitors. Mon Courtier Energie Groupe's current Effective Interest Rate on Debt % is 3.14%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mon Courtier Energie Groupe stock overvalued right now?
Based on GuruFocus' analysis, Mon Courtier Energie Groupe (XPAR:ALMCE) is currently considered Significantly Undervalued. The stock's GF Value™ is €8.63, compared to a current price of €5.50 — trading 36.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.14%. Mon Courtier Energie Groupe's overall GF Score™ is 67/100 with 3 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 Mon Courtier Energie Groupe (XPAR:ALMCE), the current Effective Interest Rate on Debt % is 3.14% 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 Mon Courtier Energie Groupe (XPAR:ALMCE) Overvalued in 2026?

Based on GuruFocus' analysis, Mon Courtier Energie Groupe stock appears to be undervalued. The current stock price of €5.50 is trading 36.3% below its estimated GF Value™ of €8.63. GuruFocus considers Mon Courtier Energie Groupe to be Significantly Undervalued.

Key valuation signals for XPAR:ALMCE:

  • Effective Interest Rate on Debt %: 3.14%
  • GF Value™: €8.63 vs. price of €5.50 (36.3% below fair value)
  • GF Score™: 67/100 with 3 warning signs

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


Mon Courtier Energie Groupe Business Description

Other Exchanges O4Z:Germany
Address 22-26 Quai de Bacalan, Bordeaux, FRA, 33000
Mon Courtier Energie Groupe SA provides energy expertise and brokerage services in France with its 23 agencies distributed on the national territory. It supports companies of all sizes in various sectors such as health, real estate, catering, hotels, shops or industry.
67GF Score

Get the complete analysis for XPAR:ALMCE

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

€5.50
Price
€8.63
GF Value