BLMIF (Bank Leumi Le-Israel BM) Effective Interest Rate on Debt %: 44.02% (As of Mar. 2026)

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BLMIF Bank Leumi Le-Israel BM BLMIF
71 GF Score
Price $21.80
GF Value $14.34
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Bank Leumi Le-Israel BM Effective Interest Rate on Debt %?

Bank Leumi Le-Israel BM BLMIF 71 Effective Interest Rate on Debt % is 44.02% as of Mar. 2026. GuruFocus rates BLMIF with a GF Score™ of 71/100 and a GF Value™ of $14.34 (Significantly Overvalued). The stock has 1 warning sign 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. Bank Leumi Le-Israel BM's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $7,136 Mil. Bank Leumi Le-Israel BM's average total debt for the quarter that ended in Mar. 2026 was $16,213 Mil. Therefore, Bank Leumi Le-Israel BM's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 44.02%.


Bank Leumi Le-Israel BM  (OTCPK:BLMIF) Effective Interest Rate on Debt % Explanation

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


Bank Leumi Le-Israel BM Effective Interest Rate on Debt % Related Terms


Bank Leumi Le-Israel BM Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Bank Leumi Le-Israel BM'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.

Bank Leumi Le-Israel BM Effective Interest Rate on Debt % Chart

Bank Leumi Le-Israel BM 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 7.92 25.04 57.77 64.17 57.51

Bank Leumi Le-Israel BM 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 60.45 60.80 57.70 47.93 44.02

BLMIF vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Bank Leumi Le-Israel BM'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.


Bank Leumi Le-Israel BM Effective Interest Rate on Debt % vs Banks Industry

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

* The bar in red indicates where Bank Leumi Le-Israel BM's Effective Interest Rate on Debt % falls into.


BLMIF
71GF Score
Bank Leumi Le-Israel BM BLMIF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Leumi Le-Israel BM Effective Interest Rate on Debt % Calculation

Bank Leumi Le-Israel BM'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  *  -7416.209/( (10851.362+14938.463)/ 2 )
=-1  *  -7416.209/12894.9125
=57.51 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=10851.362 + 0
=10851.362

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=14938.463 + 0
=14938.463

Bank Leumi Le-Israel BM'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  *  -7136.42/( (14938.463+17487.566)/ 2 )
=-1  *  -7136.42/16213.0145
=44.02 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=14938.463 + 0
=14938.463

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=17487.566 + 0
=17487.566

* 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 44.02% mean?
Bank Leumi Le-Israel BM (BLMIF) has a Effective Interest Rate on Debt % of 44.02% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bank Leumi Le-Israel BM and its competitors.
Is Bank Leumi Le-Israel BM's Effective Interest Rate on Debt % too high?
Bank Leumi Le-Israel BM's current Effective Interest Rate on Debt % is 44.02%. Overall, Bank Leumi Le-Israel BM has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Leumi Le-Israel BM's Effective Interest Rate on Debt % compare to PNC and USB?
Bank Leumi Le-Israel BM's Effective Interest Rate on Debt % of 44.02% 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 Bank Leumi Le-Israel BM and its competitors. Bank Leumi Le-Israel BM's current Effective Interest Rate on Debt % is 44.02%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Leumi Le-Israel BM stock overvalued right now?
Based on GuruFocus' analysis, Bank Leumi Le-Israel BM (BLMIF) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.34, compared to a current price of $21.80 — trading 52% above its estimated fair value. The current Effective Interest Rate on Debt % is 44.02%. Bank Leumi Le-Israel BM's overall GF Score™ is 71/100 with 1 warning sign 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 Bank Leumi Le-Israel BM (BLMIF), the current Effective Interest Rate on Debt % is 44.02% 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 Bank Leumi Le-Israel BM (BLMIF) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Leumi Le-Israel BM stock appears to be overvalued. The current stock price of $21.80 is trading 52% above its estimated GF Value™ of $14.34. GuruFocus considers Bank Leumi Le-Israel BM to be Significantly Overvalued.

Key valuation signals for BLMIF:

  • Effective Interest Rate on Debt %: 44.02%
  • GF Value™: $14.34 vs. price of $21.80 (52% above fair value)
  • GF Score™: 71/100 with 1 warning sign

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


Bank Leumi Le-Israel BM Business Description

Other Exchanges LUMI:Israel
Address 34 Yehuda Halevi Street, Tel Aviv, ISR, 651316
Bank Leumi Le-Israel BM is an Israeli banking and financial services company. The products and services offered by the company include consumer loans, mortgages, commercial banking services, and capital market services, among others. The company organizes itself into the following operating segments: Banking, Mortgages, Commercial, Corporate banking, Real estate, Capital markets, and Others. The company generates the majority of its revenue through the provision of banking and services to private customers and small businesses, and a vast majority of its revenue is earned in Israel.
71GF 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.

$21.80
Price
$14.34
GF Value