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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
* 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.
Banestes Banco Estado Espirito Effective Interest Rate on Debt % Chart
Banestes Banco Estado Espirito Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, Banestes Banco Estado Espirito'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.
Banestes Banco Estado Espirito Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Banestes Banco Estado Espirito's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Banestes Banco Estado Espirito'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 278.22% mean?
Banestes Banco Estado Espirito (BSP:BEES4) has a Effective Interest Rate on Debt % of 278.22% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banestes Banco Estado Espirito and its competitors.
Is Banestes Banco Estado Espirito's Effective Interest Rate on Debt % too high?
Banestes Banco Estado Espirito's current Effective Interest Rate on Debt % is 278.22%. Overall, Banestes Banco Estado Espirito has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banestes Banco Estado Espirito's Effective Interest Rate on Debt % compare to competitors?
Banestes Banco Estado Espirito's Effective Interest Rate on Debt % of 278.22% 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 Banestes Banco Estado Espirito and its competitors. Banestes Banco Estado Espirito's current Effective Interest Rate on Debt % is 278.22%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banestes Banco Estado Espirito stock overvalued right now?
Based on GuruFocus' analysis, Banestes Banco Estado Espirito (BSP:BEES4) is currently considered Modestly Overvalued. The stock's GF Value™ is R$7.98, compared to a current price of R$9.10 — trading 14% above its estimated fair value. The current Effective Interest Rate on Debt % is 278.22%. Banestes Banco Estado Espirito's overall GF Score™ is 60/100 with 7 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 Banestes Banco Estado Espirito (BSP:BEES4), the current Effective Interest Rate on Debt % is 278.22% 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 Banestes Banco Estado Espirito (BSP:BEES4) Overvalued in 2026?
Based on GuruFocus' analysis, Banestes Banco Estado Espirito stock appears to be overvalued.
The current stock price of R$9.10 is trading 14% above its estimated GF Value™ of R$7.98.
GuruFocus considers Banestes Banco Estado Espirito to be Modestly Overvalued.
Key valuation signals for BSP:BEES4:
Effective Interest Rate on Debt %: 278.22%
GF Value™: R$7.98 vs. price of R$9.10 (14% above fair value)
No single metric tells the full story. See the BSP:BEES4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banestes Banco Estado Espirito Business Description
Banestes SA Banco Estado Espirito operates as a bank. Its activities are focused on the credit operations. It also operates in foreign exchange market, offering products geared mainly to finance imports and exports like letter of credit. The Bank offers credit, securities brokerage services, foreign exchange, and other financial services.
60GF Score
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