Bangkok Union Insurance PCL (BKK:BUI) Effective Interest Rate on Debt %: 4.69% (As of Mar. 2026)

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BKK:BUI Bangkok Union Insurance PCL BKK:BUI
67 GF Score
Price ฿11.00
GF Value ฿11.17
Valuation Fairly Valued
! 4 Warning Signs
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What is Bangkok Union Insurance PCL Effective Interest Rate on Debt %?

Bangkok Union Insurance PCL BKK:BUI 67 Effective Interest Rate on Debt % is 4.69% as of Mar. 2026. GuruFocus rates BKK:BUI with a GF Score™ of 67/100 and a GF Value™ of ฿11.17 (Fairly Valued). The stock has 4 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. Bangkok Union Insurance PCL's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ฿2 Mil. Bangkok Union Insurance PCL's average total debt for the quarter that ended in Mar. 2026 was ฿47 Mil. Therefore, Bangkok Union Insurance PCL's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.69%.


Bangkok Union Insurance PCL  (BKK:BUI) Effective Interest Rate on Debt % Explanation

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


Bangkok Union Insurance PCL Effective Interest Rate on Debt % Related Terms


Bangkok Union Insurance PCL Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Bangkok Union Insurance PCL'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.

Bangkok Union Insurance PCL Effective Interest Rate on Debt % Chart

Bangkok Union Insurance PCL 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 0.00 0.00 0.00 4.42 5.33

Bangkok Union Insurance PCL 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 4.41 60.86 55.14 54.14 4.69

BKK:BUI vs CB, PGR, TRV: Effective Interest Rate on Debt % Comparison

For the Insurance - Property & Casualty subindustry, Bangkok Union Insurance PCL'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.


Bangkok Union Insurance PCL Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Bangkok Union Insurance PCL's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Bangkok Union Insurance PCL's Effective Interest Rate on Debt % falls into.


BKK:BUI
67GF Score
Bangkok Union Insurance PCL BKK:BUI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bangkok Union Insurance PCL Effective Interest Rate on Debt % Calculation

Bangkok Union Insurance PCL'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  *  -2.615/( (50.367+47.831)/ 2 )
=-1  *  -2.615/49.099
=5.33 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=48.99 + 1.377
=50.367

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=46.468 + 1.363
=47.831

Bangkok Union Insurance PCL'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  *  -2.216/( (47.831+46.713)/ 2 )
=-1  *  -2.216/47.272
=4.69 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=46.468 + 1.363
=47.831

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=45.325 + 1.388
=46.713

* 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 4.69% mean?
Bangkok Union Insurance PCL (BKK:BUI) has a Effective Interest Rate on Debt % of 4.69% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bangkok Union Insurance PCL and its competitors.
Is Bangkok Union Insurance PCL's Effective Interest Rate on Debt % too high?
Bangkok Union Insurance PCL's current Effective Interest Rate on Debt % is 4.69%. Overall, Bangkok Union Insurance PCL has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bangkok Union Insurance PCL's Effective Interest Rate on Debt % compare to CB and PGR?
Bangkok Union Insurance PCL's Effective Interest Rate on Debt % of 4.69% can be compared against companies in the Insurance 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 an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 Bangkok Union Insurance PCL and its competitors. Bangkok Union Insurance PCL's current Effective Interest Rate on Debt % is 4.69%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bangkok Union Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Bangkok Union Insurance PCL (BKK:BUI) is currently considered Fairly Valued. The stock's GF Value™ is ฿11.17, compared to a current price of ฿11.00 — trading 1.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.69%. Bangkok Union Insurance PCL's overall GF Score™ is 67/100 with 4 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 Bangkok Union Insurance PCL (BKK:BUI), the current Effective Interest Rate on Debt % is 4.69% 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 Bangkok Union Insurance PCL (BKK:BUI) Overvalued in 2026?

Based on GuruFocus' analysis, Bangkok Union Insurance PCL stock appears to be undervalued. The current stock price of ฿11.00 is trading 1.5% below its estimated GF Value™ of ฿11.17. GuruFocus considers Bangkok Union Insurance PCL to be Fairly Valued.

Key valuation signals for BKK:BUI:

  • Effective Interest Rate on Debt %: 4.69%
  • GF Value™: ฿11.17 vs. price of ฿11.00 (1.5% below fair value)
  • GF Score™: 67/100 with 4 warning signs

No single metric tells the full story. See the BKK:BUI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bangkok Union Insurance PCL Business Description

Address 175-177 Surawong Road, Suriyawong Subdistrict, Bangrak District, Bangkok, THA, 10500
Bangkok Union Insurance PCL is a Thailand-based company engaged in the insurance sector. Its two operating segments are non-life insurance business and rental of office space. The company operates principally in Thailand and generates the majority of the revenue from the non-insurance segment where it provides non-life insurance services like fire insurance, motor insurance, marine and transportation insurance, and miscellaneous insurance.
67GF Score

Get the complete analysis for BKK:BUI

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

฿11.00
Price
฿11.17
GF Value