Commonwealth Bank of Australia (ASX:STWIYA) Effective Interest Rate on Debt %: 18.57% (As of Dec. 2025)


What is Commonwealth Bank of Australia Effective Interest Rate on Debt %?

Commonwealth Bank of Australia ASX:STWIYA 66 Effective Interest Rate on Debt % is 18.57% as of Dec. 2025. GuruFocus rates ASX:STWIYA with a GF Score™ of 66/100. 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. Commonwealth Bank of Australia's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$39,342.00 Mil. Commonwealth Bank of Australia's average total debt for the quarter that ended in Dec. 2025 was A$211,835.00 Mil. Therefore, Commonwealth Bank of Australia's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 18.57%.

Commonwealth Bank of Australia  (ASX:STWIYA) Effective Interest Rate on Debt % Explanation

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

Commonwealth Bank of Australia Effective Interest Rate on Debt % Related Terms

Commonwealth Bank of Australia Effective Interest Rate on Debt % Historical Data

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The historical data trend for Commonwealth Bank of Australia'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.

Commonwealth Bank of Australia Effective Interest Rate on Debt % Chart

Commonwealth Bank of Australia Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.72 3.30 13.68 21.95 20.39

Commonwealth Bank of Australia 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 21.75 22.22 21.25 19.37 18.57

ASX:STWIYA vs JPM, BAC, WFC: Effective Interest Rate on Debt % Comparison

For the Banks - Diversified subindustry, Commonwealth Bank of Australia'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.

Commonwealth Bank of Australia Effective Interest Rate on Debt % vs Banks Industry

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

* The bar in red indicates where Commonwealth Bank of Australia's Effective Interest Rate on Debt % falls into.


Commonwealth Bank of Australia Effective Interest Rate on Debt % Calculation

Commonwealth Bank of Australia's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -41087/( (186685+216232)/ 2 )
=-1  *  -41087/201458.5
=20.39 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=186685 + 0
=186685

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=216232 + 0
=216232

Commonwealth Bank of Australia'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  *  -39342/( (216232+207438)/ 2 )
=-1  *  -39342/211835
=18.57 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=216232 + 0
=216232

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=207438 + 0
=207438

* 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 18.57% mean?
Commonwealth Bank of Australia (ASX:STWIYA) has a Effective Interest Rate on Debt % of 18.57% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Commonwealth Bank of Australia and its competitors.
Is Commonwealth Bank of Australia's Effective Interest Rate on Debt % too high?
Commonwealth Bank of Australia's current Effective Interest Rate on Debt % is 18.57%. Overall, Commonwealth Bank of Australia has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Commonwealth Bank of Australia's Effective Interest Rate on Debt % compare to JPM and BAC?
Commonwealth Bank of Australia's Effective Interest Rate on Debt % of 18.57% 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 Commonwealth Bank of Australia and its competitors. Commonwealth Bank of Australia's current Effective Interest Rate on Debt % is 18.57%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commonwealth Bank of Australia stock overvalued right now?
Commonwealth Bank of Australia (ASX:STWIYA) has a current Effective Interest Rate on Debt % of 18.57%. The current Effective Interest Rate on Debt % is 18.57%. Commonwealth Bank of Australia's overall GF Score™ is 66/100 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 Commonwealth Bank of Australia (ASX:STWIYA), the current Effective Interest Rate on Debt % is 18.57% 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.

Commonwealth Bank of Australia Business Description

Address 11 Harbour Street, Commonwealth Bank Place South, Level 1, Sydney, NSW, AUS, 2000
Commonwealth Bank is Australia's largest bank with operations spanning Australia, New Zealand, and Asia. Its core business is the provision of retail, business, and institutional banking services. The bank has emphasized its focus on banking in recent years with a numbers of asset divestments in wealth management and insurance.