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. BDO Unibank's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $1,589 Mil. BDO Unibank's average total debt for the quarter that ended in Mar. 2026 was $6,186 Mil. Therefore, BDO Unibank's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 25.68%.
BDO Unibank (OTCPK:BDOUF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
BDO Unibank Effective Interest Rate on Debt % Related Terms
BDO Unibank Effective Interest Rate on Debt % Historical Data
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The historical data trend for BDO Unibank'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.
BDO Unibank Effective Interest Rate on Debt % Chart
BDO Unibank Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, BDO Unibank'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.
BDO Unibank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, BDO Unibank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where BDO Unibank'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 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 25.68% mean?
BDO Unibank (BDOUF) has a Effective Interest Rate on Debt % of 25.68% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on BDO Unibank and its competitors.
Is BDO Unibank's Effective Interest Rate on Debt % too high?
BDO Unibank's current Effective Interest Rate on Debt % is 25.68%. Overall, BDO Unibank has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BDO Unibank's Effective Interest Rate on Debt % compare to competitors?
BDO Unibank's Effective Interest Rate on Debt % of 25.68% 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 BDO Unibank and its competitors. BDO Unibank's current Effective Interest Rate on Debt % is 25.68%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BDO Unibank stock overvalued right now?
Based on GuruFocus' analysis, BDO Unibank (BDOUF) is currently considered Significantly Undervalued. The stock's GF Value™ is $3.34, compared to a current price of $2.12 — trading 36.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 25.68%. BDO Unibank's overall GF Score™ is 65/100 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 BDO Unibank (BDOUF), the current Effective Interest Rate on Debt % is 25.68% 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.
Is BDO Unibank (BDOUF) Overvalued in 2026?
Based on GuruFocus' analysis, BDO Unibank stock appears to be undervalued.
The current stock price of $2.12 is trading 36.5% below its estimated GF Value™ of $3.34.
GuruFocus considers BDO Unibank to be Significantly Undervalued.
Key valuation signals for BDOUF:
Effective Interest Rate on Debt %: 25.68%
GF Value™: $3.34 vs. price of $2.12 (36.5% below fair value)
No single metric tells the full story. See the BDOUF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BDO Unibank Inc is a full-service universal bank in the Philippines. The company's operating segment consists of Commercial banking, Investment banking, Private banking, Leasing and financing, Insurance, and Others. The company generates the majority of its revenue from the Commercial Banking segment, which handles the entire lending (corporate and consumer), trade financing and cash management services for corporate and retail customers. Geographically, the majority of its revenue is derived from the Philippines.
65GF 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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