Alpha Bank (ATH:ALPHA) Effective Interest Rate on Debt %: 70.74% (As of Jun. 2025)

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ATH:ALPHA Alpha Bank SA ATH:ALPHA
2 GF Score
Price €4.57
! 3 Warning Signs
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What is Alpha Bank Effective Interest Rate on Debt %?

Alpha Bank ATH:ALPHA +0.93% 2 Effective Interest Rate on Debt % is 70.74% as of Jun. 2025. GuruFocus rates ATH:ALPHA with a GF Score™ of 2/100. The stock has 3 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. Alpha Bank's annualized positive value of Interest Expense for the quarter that ended in Jun. 2025 was €2,508 Mil. Alpha Bank's average total debt for the quarter that ended in Jun. 2025 was €3,546 Mil. Therefore, Alpha Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2025 was 70.74%.

Alpha Bank  (ATH:ALPHA) Effective Interest Rate on Debt % Explanation

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

Alpha Bank Effective Interest Rate on Debt % Related Terms

Alpha Bank Effective Interest Rate on Debt % Historical Data

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The historical data trend for Alpha 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.

Alpha Bank Effective Interest Rate on Debt % Chart

Alpha Bank Annual Data
Trend Dec23 Dec24
Effective Interest Rate on Debt %
55.41 76.73

Alpha Bank Semi-Annual Data
Dec23 Jun24 Dec24 Jun25
Effective Interest Rate on Debt % 0.00 76.37 77.07 70.74

ATH:ALPHA vs JPM, BAC, WFC: Effective Interest Rate on Debt % Comparison

For the Banks - Diversified subindustry, Alpha 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.

Alpha Bank Effective Interest Rate on Debt % vs Banks Industry

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

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


ATH:ALPHA
2GF Score
Alpha Bank SA ATH:ALPHA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Alpha Bank Effective Interest Rate on Debt % Calculation

Alpha Bank's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -2765/( (3478+3729)/ 2 )
=-1  *  -2765/3603.5
=76.73 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3478 + 0
=3478

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3729 + 0
=3729

Alpha Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Jun. 2025 ))/ count )
=-1  *  -2508/( (3729+3362)/ 2 )
=-1  *  -2508/3545.5
=70.74 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3729 + 0
=3729

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3362 + 0
=3362

* 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 (Jun. 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 70.74% mean?
Alpha Bank (ATH:ALPHA) has a Effective Interest Rate on Debt % of 70.74% as of Jun. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Alpha Bank and its competitors.
Is Alpha Bank's Effective Interest Rate on Debt % too high?
Alpha Bank's current Effective Interest Rate on Debt % is 70.74%. Overall, Alpha Bank has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Alpha Bank's Effective Interest Rate on Debt % compare to JPM and BAC?
Alpha Bank's Effective Interest Rate on Debt % of 70.74% 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 Alpha Bank and its competitors. Alpha Bank's current Effective Interest Rate on Debt % is 70.74%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alpha Bank stock overvalued right now?
Alpha Bank (ATH:ALPHA) has a current Effective Interest Rate on Debt % of 70.74%. The current Effective Interest Rate on Debt % is 70.74%. Alpha Bank's overall GF Score™ is 2/100 with 3 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 Alpha Bank (ATH:ALPHA), the current Effective Interest Rate on Debt % is 70.74% as of Jun. 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.

Alpha Bank Business Description

Other Exchanges UI6:Germany
Address 40 Stadiou Street, Attica P.C. 105 64, Athens, GRC, GR - 102 52
Alpha Bank SA is a private Greek bank that offers a wide range of financial products and services in the domestic and International market.
2GF 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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