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BSP Financial Group (ASX:BFL) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
BSP Financial Group Effective Interest Rate on Debt % Related Terms
BSP Financial Group Effective Interest Rate on Debt % Historical Data
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The historical data trend for BSP Financial Group'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.
BSP Financial Group Effective Interest Rate on Debt % Chart
ASX:BFL vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, BSP Financial Group'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.
BSP Financial Group Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, BSP Financial Group's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where BSP Financial Group's Effective Interest Rate on Debt % falls into.
* 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 48.65% mean?
BSP Financial Group (ASX:BFL) has a Effective Interest Rate on Debt % of 48.65% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on BSP Financial Group and its competitors.
Is BSP Financial Group's Effective Interest Rate on Debt % too high?
BSP Financial Group's current Effective Interest Rate on Debt % is 48.65%. Overall, BSP Financial Group has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's Effective Interest Rate on Debt % compare to PNC and USB?
BSP Financial Group's Effective Interest Rate on Debt % of 48.65% 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 BSP Financial Group and its competitors. BSP Financial Group's current Effective Interest Rate on Debt % is 48.65%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$8.00, compared to a current price of A$8.17 — trading 2.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 48.65%. BSP Financial Group's overall GF Score™ is 54/100 with 1 warning sign 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 BSP Financial Group (ASX:BFL), the current Effective Interest Rate on Debt % is 48.65% 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?
Based on GuruFocus' analysis, BSP Financial Group stock appears to be overvalued.
The current stock price of A$8.17 is trading 2.1% above its estimated GF Value™ of A$8.00.
GuruFocus considers BSP Financial Group to be Fairly Valued.
Key valuation signals for ASX:BFL:
Effective Interest Rate on Debt %: 48.65%
GF Value™: A$8.00 vs. price of A$8.17 (2.1% above fair value)
No single metric tells the full story. See the ASX:BFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
54GF 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.
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