Jordan Ahli Bank (AMM:AHLI) Effective Interest Rate on Debt %: 54.48% (As of Jun. 2026)

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.

AMM:AHLI Jordan Ahli Bank AMM:AHLI
45 GF Score
Price JOD1.39
GF Value JOD1.36
Valuation Fairly Valued
! 7 Warning Signs
View Full Analysis

What is Jordan Ahli Bank Effective Interest Rate on Debt %?

Jordan Ahli Bank AMM:AHLI +0.72% 45 Effective Interest Rate on Debt % is 54.48% as of Jun. 2026. GuruFocus rates AMM:AHLI with a GF Score™ of 45/100 and a GF Value™ of JOD1.36 (Fairly Valued). The stock has 7 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. Jordan Ahli Bank's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was JOD106.4 Mil. Jordan Ahli Bank's average total debt for the quarter that ended in Jun. 2026 was JOD195.3 Mil. Therefore, Jordan Ahli Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 54.48%.


Jordan Ahli Bank  (AMM:AHLI) Effective Interest Rate on Debt % Explanation

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


Jordan Ahli Bank Effective Interest Rate on Debt % Related Terms


Jordan Ahli Bank Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Jordan Ahli Bank'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.

Jordan Ahli Bank Effective Interest Rate on Debt % Chart

Jordan Ahli Bank 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 42.98 58.82 91.29 75.17 71.00

Jordan Ahli Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 60.24 74.53 65.95 55.66 54.48

Jordan Ahli Bank Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Jordan Ahli Bank'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.


Jordan Ahli Bank Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Jordan Ahli Bank's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Jordan Ahli Bank's Effective Interest Rate on Debt % falls into.


AMM:AHLI
45GF Score
Jordan Ahli Bank AMM:AHLI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jordan Ahli Bank Effective Interest Rate on Debt % Calculation

Jordan Ahli Bank'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  *  -118.641/( (161.458+172.757)/ 2 )
=-1  *  -118.641/167.1075
=71.00 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=161.458 + 0
=161.458

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=172.757 + 0
=172.757

Jordan Ahli Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -106.428/( (225.598+165.09)/ 2 )
=-1  *  -106.428/195.344
=54.48 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=225.598 + 0
=225.598

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=165.09 + 0
=165.09

* 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 (Jun. 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 54.48% mean?
Jordan Ahli Bank (AMM:AHLI) has a Effective Interest Rate on Debt % of 54.48% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Jordan Ahli Bank and its competitors.
Is Jordan Ahli Bank's Effective Interest Rate on Debt % too high?
Jordan Ahli Bank's current Effective Interest Rate on Debt % is 54.48%. Overall, Jordan Ahli Bank has a GF Score™ of 45/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jordan Ahli Bank's Effective Interest Rate on Debt % compare to competitors?
Jordan Ahli Bank's Effective Interest Rate on Debt % of 54.48% can be compared against companies in the Banks 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 Banks company?
A good Effective Interest Rate on Debt % depends on the Banks 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 Jordan Ahli Bank and its competitors. Jordan Ahli Bank's current Effective Interest Rate on Debt % is 54.48%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jordan Ahli Bank stock overvalued right now?
Based on GuruFocus' analysis, Jordan Ahli Bank (AMM:AHLI) is currently considered Fairly Valued. The stock's GF Value™ is JOD1.36, compared to a current price of JOD1.39 — trading 2.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 54.48%. Jordan Ahli Bank's overall GF Score™ is 45/100 with 7 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 Jordan Ahli Bank (AMM:AHLI), the current Effective Interest Rate on Debt % is 54.48% as of Jun. 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 Jordan Ahli Bank (AMM:AHLI) Overvalued in 2026?

Based on GuruFocus' analysis, Jordan Ahli Bank stock appears to be overvalued. The current stock price of JOD1.39 is trading 2.2% above its estimated GF Value™ of JOD1.36. GuruFocus considers Jordan Ahli Bank to be Fairly Valued.

Key valuation signals for AMM:AHLI:

  • Effective Interest Rate on Debt %: 54.48%
  • GF Value™: JOD1.36 vs. price of JOD1.39 (2.2% above fair value)
  • GF Score™: 45/100 with 7 warning signs

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


Jordan Ahli Bank Business Description

Address Queen Noor Street, P.O Box 3103, Amman, JOR, 11181
Jordan Ahli Bank is a Jordan-based company engaged in banking and financial services. It offers savings accounts, call deposit accounts, current/checking accounts, family loans, credit save services, personal loans against salary transfers, and car loans, among others. The bank is organized into segments namely, Retail, Small and Medium entities, Corporate, Treasury and others. It derives maximum revenue from Corporate Segment. Large Companies' Accounts: This item includes following up on the client's deposits and credit facilities. Moreover, these clients are classified based on the volume of the granted deposits and facilities according to the Bank's instructions and principles and in compliance with the regulatory bodies instructions.
45GF Score

Get the complete analysis for AMM:AHLI

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

JOD1.39
Price
JOD1.36
GF Value