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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.
BCO Estado do Rio Grande do Sul Effective Interest Rate on Debt % Chart
BCO Estado do Rio Grande do Sul Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, BCO Estado do Rio Grande do Sul'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.
BCO Estado do Rio Grande do Sul Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, BCO Estado do Rio Grande do Sul's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where BCO Estado do Rio Grande do Sul'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 162.51% mean?
BCO Estado do Rio Grande do Sul (BSP:BRSR3) has a Effective Interest Rate on Debt % of 162.51% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on BCO Estado do Rio Grande do Sul and its competitors.
Is BCO Estado do Rio Grande do Sul's Effective Interest Rate on Debt % too high?
BCO Estado do Rio Grande do Sul's current Effective Interest Rate on Debt % is 162.51%. Overall, BCO Estado do Rio Grande do Sul has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BCO Estado do Rio Grande do Sul's Effective Interest Rate on Debt % compare to competitors?
BCO Estado do Rio Grande do Sul's Effective Interest Rate on Debt % of 162.51% 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 BCO Estado do Rio Grande do Sul and its competitors. BCO Estado do Rio Grande do Sul's current Effective Interest Rate on Debt % is 162.51%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Estado do Rio Grande do Sul stock overvalued right now?
Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul (BSP:BRSR3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$14.90, compared to a current price of R$17.54 — trading 17.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 162.51%. BCO Estado do Rio Grande do Sul's overall GF Score™ is 61/100 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 BCO Estado do Rio Grande do Sul (BSP:BRSR3), the current Effective Interest Rate on Debt % is 162.51% 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 BCO Estado do Rio Grande do Sul (BSP:BRSR3) Overvalued in 2026?
Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul stock appears to be overvalued.
The current stock price of R$17.54 is trading 17.7% above its estimated GF Value™ of R$14.90.
GuruFocus considers BCO Estado do Rio Grande do Sul to be Modestly Overvalued.
Key valuation signals for BSP:BRSR3:
Effective Interest Rate on Debt %: 162.51%
GF Value™: R$14.90 vs. price of R$17.54 (17.7% above fair value)
No single metric tells the full story. See the BSP:BRSR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BCO Estado do Rio Grande do Sul SA is a Brazil-based commercial bank that provides personal and corporate banking services. It provides financial services such as multiple banks, providing brokering services, consortia, card management, and warehouses. The company with its subsidiaries and affiliates operates commercial, lending, financing and investment, mortgage loan, development, leasing, and investment portfolios, including foreign exchange transactions, securities brokerage, and credit card and consortium management.
61GF Score
Get the complete analysis for BSP:BRSR3
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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