Flatexdegiro SE (XSWX:FTK) Effective Interest Rate on Debt %: 1.72% (As of Dec. 2025)


XSWX:FTK Flatexdegiro SE XSWX:FTK
83 GF Score
Price CHF33.98
GF Value CHF18.70
! 2 Warning Signs
View Full Analysis

What is Flatexdegiro SE Effective Interest Rate on Debt %?

Flatexdegiro SE XSWX:FTK 83 Effective Interest Rate on Debt % is 1.72% as of Dec. 2025. GuruFocus rates XSWX:FTK with a GF Score™ of 83/100 and a GF Value™ of CHF18.70. The stock has 2 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. Flatexdegiro SE's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was CHF2.2 Mil. Flatexdegiro SE's average total debt for the quarter that ended in Dec. 2025 was CHF125.9 Mil. Therefore, Flatexdegiro SE's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 1.72%.


Flatexdegiro SE  (XSWX:FTK) Effective Interest Rate on Debt % Explanation

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


Flatexdegiro SE Effective Interest Rate on Debt % Related Terms


Flatexdegiro SE Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Flatexdegiro SE'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.

Flatexdegiro SE Effective Interest Rate on Debt % Chart

Flatexdegiro SE 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 5.04 2.65 1.85 2.77 2.18

Flatexdegiro SE Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 7.54 7.80 5.68 4.26 1.72

XSWX:FTK vs MS, GS, SCHW: Effective Interest Rate on Debt % Comparison

For the Capital Markets subindustry, Flatexdegiro SE'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.


Flatexdegiro SE Effective Interest Rate on Debt % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Flatexdegiro SE's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Flatexdegiro SE's Effective Interest Rate on Debt % falls into.


XSWX:FTK
83GF Score
Flatexdegiro SE XSWX:FTK
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Flatexdegiro SE Effective Interest Rate on Debt % Calculation

Flatexdegiro SE'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  *  -2.893/( (149.378+115.522)/ 2 )
=-1  *  -2.893/132.45
=2.18 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=33.797 + 115.581
=149.378

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=29.767 + 85.755
=115.522

Flatexdegiro SE'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  *  -2.16/( (136.287+115.522)/ 2 )
=-1  *  -2.16/125.9045
=1.72 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=30.783 + 105.504
=136.287

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=29.767 + 85.755
=115.522

* 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 1.72% mean?
Flatexdegiro SE (XSWX:FTK) has a Effective Interest Rate on Debt % of 1.72% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Flatexdegiro SE and its competitors.
Is Flatexdegiro SE's Effective Interest Rate on Debt % too high?
Flatexdegiro SE's current Effective Interest Rate on Debt % is 1.72%. Overall, Flatexdegiro SE has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Flatexdegiro SE's Effective Interest Rate on Debt % compare to MS and GS?
Flatexdegiro SE's Effective Interest Rate on Debt % of 1.72% can be compared against companies in the Capital Markets 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 Capital Markets company?
A good Effective Interest Rate on Debt % depends on the Capital Markets 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 Flatexdegiro SE and its competitors. Flatexdegiro SE's current Effective Interest Rate on Debt % is 1.72%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Flatexdegiro SE stock overvalued right now?
Flatexdegiro SE (XSWX:FTK) has a current Effective Interest Rate on Debt % of 1.72%. The stock's GF Value™ is CHF18.70, compared to a current price of CHF33.98 — trading 81.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 1.72%. Flatexdegiro SE's overall GF Score™ is 83/100 with 2 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 Flatexdegiro SE (XSWX:FTK), the current Effective Interest Rate on Debt % is 1.72% 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 Flatexdegiro SE (XSWX:FTK) Overvalued in 2026?

Based on GuruFocus' analysis, Flatexdegiro SE stock appears to be overvalued. The current stock price of CHF33.98 is trading 81.7% above its estimated GF Value™ of CHF18.70.

Key valuation signals for XSWX:FTK:

  • Effective Interest Rate on Debt %: 1.72%
  • GF Value™: CHF18.70 vs. price of CHF33.98 (81.7% above fair value)
  • GF Score™: 83/100 with 2 warning signs

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


Flatexdegiro SE Business Description

Address Omniturm, Grosse Gallusstrasse 16-18, Frankfurt, HE, DEU, 60312
Flatexdegiro SE is an independent online broker. The firm operates a proprietary securities trading platform under the brands flatex and DEGIRO and services more than a million European retail customers in European countries. The company also offers brokerage services and administration to corporate and institutional clients. The segments of the company are flatex and Degiro. It derives maximum revenue from Degiro segment.
83GF Score

Get the complete analysis for XSWX:FTK

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

CHF33.98
Price
CHF18.70
GF Value