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. Norion Bank AB's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was kr1,528 Mil. Norion Bank AB's average total debt for the quarter that ended in Mar. 2026 was kr2,891 Mil. Therefore, Norion Bank AB's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 52.86%.
Norion Bank AB (CHIX:NORIOs) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Norion Bank AB Effective Interest Rate on Debt % Related Terms
Norion Bank AB Effective Interest Rate on Debt % Historical Data
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The historical data trend for Norion Bank AB'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.
Norion Bank AB Effective Interest Rate on Debt % Chart
CHIX:NORIOS vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Norion Bank AB'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.
Norion Bank AB Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Norion Bank AB's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Norion Bank AB'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 52.86% mean?
Norion Bank AB (CHIX:NORIOS) has a Effective Interest Rate on Debt % of 52.86% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Norion Bank AB and its competitors.
Is Norion Bank AB's Effective Interest Rate on Debt % too high?
Norion Bank AB's current Effective Interest Rate on Debt % is 52.86%. Overall, Norion Bank AB has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Norion Bank AB's Effective Interest Rate on Debt % compare to PNC and USB?
Norion Bank AB's Effective Interest Rate on Debt % of 52.86% 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 Norion Bank AB and its competitors. Norion Bank AB's current Effective Interest Rate on Debt % is 52.86%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Norion Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Norion Bank AB (CHIX:NORIOS) is currently considered Modestly Overvalued. The stock's GF Value™ is kr46.57, compared to a current price of kr58.30 — trading 25.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 52.86%. Norion Bank AB's overall GF Score™ is 59/100 with 3 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 Norion Bank AB (CHIX:NORIOS), the current Effective Interest Rate on Debt % is 52.86% 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 Norion Bank AB (CHIX:NORIOS) Overvalued in 2026?
Based on GuruFocus' analysis, Norion Bank AB stock appears to be overvalued.
The current stock price of kr58.30 is trading 25.2% above its estimated GF Value™ of kr46.57.
GuruFocus considers Norion Bank AB to be Modestly Overvalued.
Key valuation signals for CHIX:NORIOS:
Effective Interest Rate on Debt %: 52.86%
GF Value™: kr46.57 vs. price of kr58.30 (25.2% above fair value)
No single metric tells the full story. See the CHIX:NORIOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Norion Bank AB specializes in financing solutions for corporate and private individuals, with particular focus on small and medium-sized companies. The main business is conducted through four segments namely Corporate, Real estate, Consumer and Payments. The Corporate segment includes corporate loans and factoring directed mainly at small and medium-sized companies in a wide range of industries in Sweden, Norway and Finland. The Real estate segment comprises real estate loans focusing on metropolitan areas and university cities in the Nordic region and the Consumer segment offers unsecured loans to private individuals The Payments segment offers payment and checkout solutions for e-commerce and retail chains.
59GF Score
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