Bahrain Commercial Facilities Co BSC (BAH:BCFC) Effective Interest Rate on Debt %: 6.57% (As of Mar. 2026)


What is Bahrain Commercial Facilities Co BSC Effective Interest Rate on Debt %?

Bahrain Commercial Facilities Co BSC BAH:BCFC Effective Interest Rate on Debt % is 6.57% as of Mar. 2026. 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. Bahrain Commercial Facilities Co BSC's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was BHD6.17 Mil. Bahrain Commercial Facilities Co BSC's average total debt for the quarter that ended in Mar. 2026 was BHD93.90 Mil. Therefore, Bahrain Commercial Facilities Co BSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 6.57%.


Bahrain Commercial Facilities Co BSC  (BAH:BCFC) Effective Interest Rate on Debt % Explanation

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


Bahrain Commercial Facilities Co BSC Effective Interest Rate on Debt % Related Terms


Bahrain Commercial Facilities Co BSC Effective Interest Rate on Debt % Historical Data

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The historical data trend for Bahrain Commercial Facilities Co BSC'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.

Bahrain Commercial Facilities Co BSC Effective Interest Rate on Debt % Chart

Bahrain Commercial Facilities Co BSC 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 4.79 5.28 7.13 7.30 7.11

Bahrain Commercial Facilities Co BSC 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 6.90 7.20 7.37 7.16 6.57

BAH:BCFC vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Bahrain Commercial Facilities Co BSC'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.


Bahrain Commercial Facilities Co BSC Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Bahrain Commercial Facilities Co BSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Bahrain Commercial Facilities Co BSC's Effective Interest Rate on Debt % falls into.



Bahrain Commercial Facilities Co BSC Effective Interest Rate on Debt % Calculation

Bahrain Commercial Facilities Co BSC'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  *  -6.619/( (94.643+91.576)/ 2 )
=-1  *  -6.619/93.1095
=7.11 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=94.643 + 0
=94.643

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=91.576 + 0
=91.576

Bahrain Commercial Facilities Co BSC'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  *  -6.168/( (91.576+96.233)/ 2 )
=-1  *  -6.168/93.9045
=6.57 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=91.576 + 0
=91.576

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=96.233 + 0
=96.233

* 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 6.57% mean?
Bahrain Commercial Facilities Co BSC (BAH:BCFC) has a Effective Interest Rate on Debt % of 6.57% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bahrain Commercial Facilities Co BSC and its competitors.
Is Bahrain Commercial Facilities Co BSC's Effective Interest Rate on Debt % too high?
Bahrain Commercial Facilities Co BSC's current Effective Interest Rate on Debt % is 6.57%.
How does Bahrain Commercial Facilities Co BSC's Effective Interest Rate on Debt % compare to V and MA?
Bahrain Commercial Facilities Co BSC's Effective Interest Rate on Debt % of 6.57% can be compared against companies in the Credit Services 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services 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 Bahrain Commercial Facilities Co BSC and its competitors. Bahrain Commercial Facilities Co BSC's current Effective Interest Rate on Debt % is 6.57%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bahrain Commercial Facilities Co BSC stock overvalued right now?
Based on GuruFocus' analysis, Bahrain Commercial Facilities Co BSC (BAH:BCFC) is currently considered Modestly Undervalued. The stock's GF Value™ is BHD0.26, compared to a current price of BHD0.23 — trading 11.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 6.57%. 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 Bahrain Commercial Facilities Co BSC (BAH:BCFC), the current Effective Interest Rate on Debt % is 6.57% 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.

Bahrain Commercial Facilities Co BSC Business Description

Address Road 111, Bahrain credit Building, Buolding 290, Tubli, BHR, 701
Bahrain Commercial Facilities Co BSC provides term loans and issues credit cards. It has four operating segments, namely Lending, Automotive, Real Estate, and Insurance. The Lending segment provides consumer, Corporate, and small to medium enterprises (CSME) loans and credit card facilities; The automotive segment includes - trading in motor vehicles, spares and the provision of after-sales services and car leasing services; The real estate segment includes buying, selling and renting of properties and providing property evaluation services; and The insurance segment is involved in the provision of insurance brokerage services. The majority of its revenue is generated from the lending segment.