Union Nacional De Empresas (XPTY:UNEM) Effective Interest Rate on Debt %: 1.78% (As of Mar. 2026)

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XPTY:UNEM Union Nacional De Empresas SA XPTY:UNEM
93 GF Score
Price $26.99
GF Value $23.04
Valuation Modestly Overvalued
! 10 Warning Signs
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What is Union Nacional De Empresas Effective Interest Rate on Debt %?

Union Nacional De Empresas XPTY:UNEM 93 Effective Interest Rate on Debt % is 1.78% as of Mar. 2026. GuruFocus rates XPTY:UNEM with a GF Score™ of 93/100 and a GF Value™ of $23.04 (Modestly Overvalued). The stock has 10 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. Union Nacional De Empresas's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $1.93 Mil. Union Nacional De Empresas's average total debt for the quarter that ended in Mar. 2026 was $108.08 Mil. Therefore, Union Nacional De Empresas's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 1.78%.


Union Nacional De Empresas  (XPTY:UNEM) Effective Interest Rate on Debt % Explanation

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


Union Nacional De Empresas Effective Interest Rate on Debt % Related Terms


Union Nacional De Empresas Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Union Nacional De Empresas'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.

Union Nacional De Empresas Effective Interest Rate on Debt % Chart

Union Nacional De Empresas 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 2.53 1.79 1.93 2.19 2.10

Union Nacional De Empresas Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 2.25 2.19 2.32 1.98 1.78

XPTY:UNEM vs HON, MMM: Effective Interest Rate on Debt % Comparison

For the Conglomerates subindustry, Union Nacional De Empresas'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.


Union Nacional De Empresas Effective Interest Rate on Debt % vs Conglomerates Industry

For the Conglomerates industry and Industrials sector, Union Nacional De Empresas's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Union Nacional De Empresas's Effective Interest Rate on Debt % falls into.


XPTY:UNEM
93GF Score
Union Nacional De Empresas SA XPTY:UNEM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Nacional De Empresas Effective Interest Rate on Debt % Calculation

Union Nacional De Empresas'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  *  -2.094/( (91.82+107.865)/ 2 )
=-1  *  -2.094/99.8425
=2.10 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=62.538 + 29.282
=91.82

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=75.339 + 32.526
=107.865

Union Nacional De Empresas's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -1.928/( (107.865+108.301)/ 2 )
=-1  *  -1.928/108.083
=1.78 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=75.339 + 32.526
=107.865

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=73.078 + 35.223
=108.301

* 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 (Mar. 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 1.78% mean?
Union Nacional De Empresas (XPTY:UNEM) has a Effective Interest Rate on Debt % of 1.78% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Union Nacional De Empresas and its competitors.
Is Union Nacional De Empresas' Effective Interest Rate on Debt % too high?
Union Nacional De Empresas' current Effective Interest Rate on Debt % is 1.78%. Overall, Union Nacional De Empresas has a GF Score™ of 93/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Nacional De Empresas' Effective Interest Rate on Debt % compare to HON and MMM?
Union Nacional De Empresas' Effective Interest Rate on Debt % of 1.78% can be compared against companies in the Conglomerates 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 Conglomerates company?
A good Effective Interest Rate on Debt % depends on the Conglomerates 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 Union Nacional De Empresas and its competitors. Union Nacional De Empresas's current Effective Interest Rate on Debt % is 1.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Nacional De Empresas stock overvalued right now?
Based on GuruFocus' analysis, Union Nacional De Empresas (XPTY:UNEM) is currently considered Modestly Overvalued. The stock's GF Value™ is $23.04, compared to a current price of $26.99 — trading 17.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 1.78%. Union Nacional De Empresas' overall GF Score™ is 93/100 with 10 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 Union Nacional De Empresas (XPTY:UNEM), the current Effective Interest Rate on Debt % is 1.78% as of Mar. 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 Union Nacional De Empresas (XPTY:UNEM) Overvalued in 2026?

Based on GuruFocus' analysis, Union Nacional De Empresas stock appears to be overvalued. The current stock price of $26.99 is trading 17.1% above its estimated GF Value™ of $23.04. GuruFocus considers Union Nacional De Empresas to be Modestly Overvalued.

Key valuation signals for XPTY:UNEM:

  • Effective Interest Rate on Debt %: 1.78%
  • GF Value™: $23.04 vs. price of $26.99 (17.1% above fair value)
  • GF Score™: 93/100 with 10 warning signs

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


Union Nacional De Empresas Business Description

Other Exchanges UNEMB:Panama
Address Spain Corner Road and Calle 50, No. 50, Building Sucasa, Apartado, PAN, 8001
Union Nacional De Empresas SA is a public company engaged in the construction and housing, hospitality, financial services, equipment rental and sales, shopping centers and industrial areas.
93GF Score

Get the complete analysis for XPTY:UNEM

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

$26.99
Price
$23.04
GF Value