L agence Automobiliere (XPAR:MLAA) Effective Interest Rate on Debt %: 2.96% (As of Dec. 2024)

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XPAR:MLAA L agence Automobiliere SA XPAR:MLAA
36 GF Score
Price €2.00
GF Value €5.07
Valuation Possible Value Trap
! 3 Warning Signs
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What is L agence Automobiliere Effective Interest Rate on Debt %?

L agence Automobiliere XPAR:MLAA 36 Effective Interest Rate on Debt % is 2.96% as of Dec. 2024. GuruFocus rates XPAR:MLAA with a GF Score™ of 36/100 and a GF Value™ of €5.07 (Possible Value Trap). 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. L agence Automobiliere's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was €0.02 Mil. L agence Automobiliere's average total debt for the quarter that ended in Dec. 2024 was €0.81 Mil. Therefore, L agence Automobiliere's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 2.96%.


L agence Automobiliere  (XPAR:MLAA) Effective Interest Rate on Debt % Explanation

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


L agence Automobiliere Effective Interest Rate on Debt % Related Terms


L agence Automobiliere Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for L agence Automobiliere'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.

L agence Automobiliere Effective Interest Rate on Debt % Chart

L agence Automobiliere Annual Data
Trend Dec19 Dec20 Dec23 Dec24
Effective Interest Rate on Debt %
6.06 1.24 4.35 2.96

L agence Automobiliere Semi-Annual Data
Dec19 Dec20 Dec23 Dec24
Effective Interest Rate on Debt % 6.06 1.24 4.35 2.96

XPAR:MLAA vs CVNA, PAG, KMX: Effective Interest Rate on Debt % Comparison

For the Auto & Truck Dealerships subindustry, L agence Automobiliere'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.


L agence Automobiliere Effective Interest Rate on Debt % vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, L agence Automobiliere's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where L agence Automobiliere's Effective Interest Rate on Debt % falls into.


XPAR:MLAA
36GF Score
L agence Automobiliere SA XPAR:MLAA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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L agence Automobiliere Effective Interest Rate on Debt % Calculation

L agence Automobiliere's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -0.024/( (0.813+0.806)/ 2 )
=-1  *  -0.024/0.8095
=2.96 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.686 + 0.12
=0.806

L agence Automobiliere's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2023 )+Total Debt  (Q: Dec. 2024 ))/ count )
=-1  *  -0.024/( (0.813+0.806)/ 2 )
=-1  *  -0.024/0.8095
=2.96 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.686 + 0.12
=0.806

* 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 one times the annual (Dec. 2024) 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 2.96% mean?
L agence Automobiliere (XPAR:MLAA) has a Effective Interest Rate on Debt % of 2.96% as of Dec. 2024. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on L agence Automobiliere and its competitors.
Is L agence Automobiliere's Effective Interest Rate on Debt % too high?
L agence Automobiliere's current Effective Interest Rate on Debt % is 2.96%. Overall, L agence Automobiliere has a GF Score™ of 36/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does L agence Automobiliere's Effective Interest Rate on Debt % compare to CVNA and PAG?
L agence Automobiliere's Effective Interest Rate on Debt % of 2.96% can be compared against companies in the Vehicles & Parts 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 Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts 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 L agence Automobiliere and its competitors. L agence Automobiliere's current Effective Interest Rate on Debt % is 2.96%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is L agence Automobiliere stock overvalued right now?
Based on GuruFocus' analysis, L agence Automobiliere (XPAR:MLAA) is currently considered Possible Value Trap. The stock's GF Value™ is €5.07, compared to a current price of €2.00 — trading 60.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 2.96%. L agence Automobiliere's overall GF Score™ is 36/100 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 L agence Automobiliere (XPAR:MLAA), the current Effective Interest Rate on Debt % is 2.96% as of Dec. 2024. 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 L agence Automobiliere (XPAR:MLAA) Overvalued in 2026?

Based on GuruFocus' analysis, L agence Automobiliere stock appears to be undervalued. The current stock price of €2.00 is trading 60.6% below its estimated GF Value™ of €5.07. GuruFocus considers L agence Automobiliere to be Possible Value Trap.

Key valuation signals for XPAR:MLAA:

  • Effective Interest Rate on Debt %: 2.96%
  • GF Value™: €5.07 vs. price of €2.00 (60.6% below fair value)
  • GF Score™: 36/100 with 3 warning signs

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


L agence Automobiliere Business Description

Address Zone Actipolis 1, 24A Route Departementale 201, Sausheim, FRA, FR-68390
L agence Automobiliere SA is specialized in the purchase and sale of used vehicles. The company also offers services in financing, insurance, assistance and other. It has over 90 branches located in Europe.
36GF Score

Get the complete analysis for XPAR:MLAA

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

€2.00
Price
€5.07
GF Value