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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. Banco Patagonia's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ARS1,077,205 Mil. Banco Patagonia's average total debt for the quarter that ended in Mar. 2026 was ARS731,033 Mil. Therefore, Banco Patagonia's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 147.35%.
Banco Patagonia (BUE:BPAT) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Banco Patagonia Effective Interest Rate on Debt % Related Terms
Banco Patagonia Effective Interest Rate on Debt % Historical Data
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The historical data trend for Banco Patagonia'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.
Banco Patagonia Effective Interest Rate on Debt % Chart
BUE:BPAT vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Banco Patagonia'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.
Banco Patagonia Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Patagonia's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Banco Patagonia'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 147.35% mean?
Banco Patagonia (BUE:BPAT) has a Effective Interest Rate on Debt % of 147.35% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banco Patagonia and its competitors.
Is Banco Patagonia's Effective Interest Rate on Debt % too high?
Banco Patagonia's current Effective Interest Rate on Debt % is 147.35%. Overall, Banco Patagonia has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Patagonia's Effective Interest Rate on Debt % compare to PNC and USB?
Banco Patagonia's Effective Interest Rate on Debt % of 147.35% 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 Banco Patagonia and its competitors. Banco Patagonia's current Effective Interest Rate on Debt % is 147.35%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Patagonia stock overvalued right now?
Based on GuruFocus' analysis, Banco Patagonia (BUE:BPAT) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS1,484.96, compared to a current price of ARS2,015.00 — trading 35.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 147.35%. Banco Patagonia's overall GF Score™ is 55/100 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 Banco Patagonia (BUE:BPAT), the current Effective Interest Rate on Debt % is 147.35% 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 Banco Patagonia (BUE:BPAT) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Patagonia stock appears to be overvalued.
The current stock price of ARS2,015.00 is trading 35.7% above its estimated GF Value™ of ARS1,484.96.
GuruFocus considers Banco Patagonia to be Significantly Overvalued.
Key valuation signals for BUE:BPAT:
Effective Interest Rate on Debt %: 147.35%
GF Value™: ARS1,484.96 vs. price of ARS2,015.00 (35.7% above fair value)
No single metric tells the full story. See the BUE:BPAT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Patagonia SA is a commercial bank based in Argentina. It provides products and services including savings accounts, checking accounts. It also provides mortgage loans, debit and credit cards, fixed-term deposits, consumer and commercial loans personal loans and other banking services. The company serves individuals, foreign residents, corporate customers, large companies, medium and small enterprises as well as agribusiness, private, financial, non-financial and government sector.
55GF 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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