Gronlandsbanken AS (CHIX:GRLAC) Effective Interest Rate on Debt %: 7.76% (As of Mar. 2026)


CHIX:GRLAC Gronlandsbanken AS CHIX:GRLAC
54 GF Score
Price kr590.00
GF Value kr367.12
! 9 Warning Signs
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What is Gronlandsbanken AS Effective Interest Rate on Debt %?

Gronlandsbanken AS CHIX:GRLAC 54 Effective Interest Rate on Debt % is 7.76% as of Mar. 2026. GuruFocus rates CHIX:GRLAC with a GF Score™ of 54/100 and a GF Value™ of kr367.12. The stock has 9 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. Gronlandsbanken AS's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was kr38.3 Mil. Gronlandsbanken AS's average total debt for the quarter that ended in Mar. 2026 was kr493.7 Mil. Therefore, Gronlandsbanken AS's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 7.76%.


Gronlandsbanken AS  (CHIX:GRLAc) Effective Interest Rate on Debt % Explanation

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


Gronlandsbanken AS Effective Interest Rate on Debt % Related Terms


Gronlandsbanken AS Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Gronlandsbanken AS'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.

Gronlandsbanken AS Effective Interest Rate on Debt % Chart

Gronlandsbanken AS 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 -92.51 -23.62 50.88 37.60 12.39

Gronlandsbanken AS 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 19.36 13.41 7.84 10.16 7.76

Gronlandsbanken AS Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Gronlandsbanken AS'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.


Gronlandsbanken AS Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Gronlandsbanken AS's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Gronlandsbanken AS's Effective Interest Rate on Debt % falls into.


CHIX:GRLAC
54GF Score
Gronlandsbanken AS CHIX:GRLAC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Gronlandsbanken AS Effective Interest Rate on Debt % Calculation

Gronlandsbanken AS'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  *  -54.25/( (380.724+495.177)/ 2 )
=-1  *  -54.25/437.9505
=12.39 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=380.724 + 0
=380.724

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=495.177 + 0
=495.177

Gronlandsbanken AS'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  *  -38.328/( (495.177+492.292)/ 2 )
=-1  *  -38.328/493.7345
=7.76 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=495.177 + 0
=495.177

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=492.292 + 0
=492.292

* 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 7.76% mean?
Gronlandsbanken AS (CHIX:GRLAC) has a Effective Interest Rate on Debt % of 7.76% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Gronlandsbanken AS and its competitors.
Is Gronlandsbanken AS's Effective Interest Rate on Debt % too high?
Gronlandsbanken AS's current Effective Interest Rate on Debt % is 7.76%. Overall, Gronlandsbanken AS has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Gronlandsbanken AS's Effective Interest Rate on Debt % compare to competitors?
Gronlandsbanken AS's Effective Interest Rate on Debt % of 7.76% 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 Gronlandsbanken AS and its competitors. Gronlandsbanken AS's current Effective Interest Rate on Debt % is 7.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gronlandsbanken AS stock overvalued right now?
Gronlandsbanken AS (CHIX:GRLAC) has a current Effective Interest Rate on Debt % of 7.76%. The stock's GF Value™ is kr367.12, compared to a current price of kr590.00 — trading 60.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 7.76%. Gronlandsbanken AS's overall GF Score™ is 54/100 with 9 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 Gronlandsbanken AS (CHIX:GRLAC), the current Effective Interest Rate on Debt % is 7.76% 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 Gronlandsbanken AS (CHIX:GRLAC) Overvalued in 2026?

Based on GuruFocus' analysis, Gronlandsbanken AS stock appears to be overvalued. The current stock price of kr590.00 is trading 60.7% above its estimated GF Value™ of kr367.12.

Key valuation signals for CHIX:GRLAC:

  • Effective Interest Rate on Debt %: 7.76%
  • GF Value™: kr367.12 vs. price of kr590.00 (60.7% above fair value)
  • GF Score™: 54/100 with 9 warning signs

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


Gronlandsbanken AS Business Description

Other Exchanges 0OGV:UKGRLA:Denmark
Address Imaneq 33, Post Box 1033, Nuuk, GRL, 3900
Gronlandsbanken AS is a Greenland-based bank engaged in consultancy and financial services in Greenland. The bank's products and services are provided to private customers and commercial enterprises. The company offers home banking, mortgage loans, savings accounts, pension funds, insurance, payment transfers, and investment advisory services. It also operates an electronic banking platform, named Netbank, which enables access to a range of facilities, such as payments, transfers, and invoices.
54GF 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.

kr590.00
Price
kr367.12
GF Value