Instone Real Estate Group SE (XTER:INS) Effective Interest Rate on Debt %: 9.41% (As of Mar. 2026)


XTER:INS Instone Real Estate Group SE XTER:INS
58 GF Score
Price €7.82
GF Value €7.67
! 9 Warning Signs
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What is Instone Real Estate Group SE Effective Interest Rate on Debt %?

Instone Real Estate Group SE XTER:INS -1.01% 58 Effective Interest Rate on Debt % is 9.41% as of Mar. 2026. GuruFocus rates XTER:INS with a GF Score™ of 58/100 and a GF Value™ of €7.67. The stock has 9 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. Instone Real Estate Group SE's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €23.9 Mil. Instone Real Estate Group SE's average total debt for the quarter that ended in Mar. 2026 was €254.3 Mil. Therefore, Instone Real Estate Group SE's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 9.41%.


Instone Real Estate Group SE  (XTER:INS) Effective Interest Rate on Debt % Explanation

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


Instone Real Estate Group SE Effective Interest Rate on Debt % Related Terms


Instone Real Estate Group SE Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Instone Real Estate Group 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.

Instone Real Estate Group SE Effective Interest Rate on Debt % Chart

Instone Real Estate Group 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 3.75 4.59 6.41 6.38 4.64

Instone Real Estate Group SE 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 11.03 9.28 6.38 8.24 9.41

Instone Real Estate Group SE Effective Interest Rate on Debt % Competitor Comparison

For the Real Estate - Development subindustry, Instone Real Estate Group 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.


Instone Real Estate Group SE Effective Interest Rate on Debt % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Instone Real Estate Group SE's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Instone Real Estate Group SE's Effective Interest Rate on Debt % falls into.


XTER:INS
58GF Score
Instone Real Estate Group SE XTER:INS
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Instone Real Estate Group SE Effective Interest Rate on Debt % Calculation

Instone Real Estate Group 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  *  -23.719/( (522.814+500.566)/ 2 )
=-1  *  -23.719/511.69
=4.64 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=398.667 + 124.147
=522.814

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=335.976 + 164.59
=500.566

Instone Real Estate Group SE'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  *  -23.928/( (500.566+7.965)/ 2 )
=-1  *  -23.928/254.2655
=9.41 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=335.976 + 164.59
=500.566

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.344 + 2.621
=7.965

* 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 9.41% mean?
Instone Real Estate Group SE (XTER:INS) has a Effective Interest Rate on Debt % of 9.41% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Instone Real Estate Group SE and its competitors.
Is Instone Real Estate Group SE's Effective Interest Rate on Debt % too high?
Instone Real Estate Group SE's current Effective Interest Rate on Debt % is 9.41%. Overall, Instone Real Estate Group SE has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Instone Real Estate Group SE's Effective Interest Rate on Debt % compare to competitors?
Instone Real Estate Group SE's Effective Interest Rate on Debt % of 9.41% can be compared against companies in the Real Estate 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 Real Estate company?
A good Effective Interest Rate on Debt % depends on the Real Estate 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 Instone Real Estate Group SE and its competitors. Instone Real Estate Group SE's current Effective Interest Rate on Debt % is 9.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Instone Real Estate Group SE stock overvalued right now?
Instone Real Estate Group SE (XTER:INS) has a current Effective Interest Rate on Debt % of 9.41%. The stock's GF Value™ is €7.67, compared to a current price of €7.82 — trading 2% above its estimated fair value. The current Effective Interest Rate on Debt % is 9.41%. Instone Real Estate Group SE's overall GF Score™ is 58/100 with 9 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 Instone Real Estate Group SE (XTER:INS), the current Effective Interest Rate on Debt % is 9.41% 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 Instone Real Estate Group SE (XTER:INS) Overvalued in 2026?

Based on GuruFocus' analysis, Instone Real Estate Group SE stock appears to be overvalued. The current stock price of €7.82 is trading 2% above its estimated GF Value™ of €7.67.

Key valuation signals for XTER:INS:

  • Effective Interest Rate on Debt %: 9.41%
  • GF Value™: €7.67 vs. price of €7.82 (2% above fair value)
  • GF Score™: 58/100 with 9 warning signs

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


Instone Real Estate Group SE Business Description

Other Exchanges 0ZQ7:UKINS:Austria
Address Grugaplatz 2-4, Essen, NW, DEU, 45131
Instone Real Estate Group SE is a real estate development company. The company is engaged in the development of modern, urban, multi-family homes and the redevelopment of listed buildings for residential use. The company constructs apartment buildings and residential quarters, refurbishment of monument-protected properties, and new buildings of real estate properties and other related activities. The company operates only in one business segment and one geographical segment and generates revenue and holds majority assets in Germany.
58GF Score

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

€7.82
Price
€7.67
GF Value