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China Merchants Bank Co (OTCPK:CIHHF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
China Merchants Bank Co Effective Interest Rate on Debt % Related Terms
China Merchants Bank Co Effective Interest Rate on Debt % Historical Data
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The historical data trend for China Merchants Bank Co'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.
China Merchants Bank Co Effective Interest Rate on Debt % Chart
China Merchants Bank Co Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, China Merchants Bank Co'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.
China Merchants Bank Co Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, China Merchants Bank Co's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where China Merchants Bank Co'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 29.29% mean?
China Merchants Bank Co (CIHHF) has a Effective Interest Rate on Debt % of 29.29% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on China Merchants Bank Co and its competitors.
Is China Merchants Bank Co's Effective Interest Rate on Debt % too high?
China Merchants Bank Co's current Effective Interest Rate on Debt % is 29.29%. Overall, China Merchants Bank Co has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Merchants Bank Co's Effective Interest Rate on Debt % compare to competitors?
China Merchants Bank Co's Effective Interest Rate on Debt % of 29.29% 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 China Merchants Bank Co and its competitors. China Merchants Bank Co's current Effective Interest Rate on Debt % is 29.29%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Merchants Bank Co stock overvalued right now?
Based on GuruFocus' analysis, China Merchants Bank Co (CIHHF) is currently considered Fairly Valued. The stock's GF Value™ is $6.07, compared to a current price of $6.25 — trading 3% above its estimated fair value. The current Effective Interest Rate on Debt % is 29.29%. China Merchants Bank Co's overall GF Score™ is 69/100 with 2 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 China Merchants Bank Co (CIHHF), the current Effective Interest Rate on Debt % is 29.29% 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 China Merchants Bank Co (CIHHF) Overvalued in 2026?
Based on GuruFocus' analysis, China Merchants Bank Co stock appears to be overvalued.
The current stock price of $6.25 is trading 3% above its estimated GF Value™ of $6.07.
GuruFocus considers China Merchants Bank Co to be Fairly Valued.
Key valuation signals for CIHHF:
Effective Interest Rate on Debt %: 29.29%
GF Value™: $6.07 vs. price of $6.25 (3% above fair value)
No single metric tells the full story. See the CIHHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Merchants Bank was founded in 1987 and is headquartered in Shenzhen. The bank is China's seventh-largest listed bank by assets, with the largest distribution network among China's joint-stock banks. CMB's network has been expanding rapidly. Its outlets are located mainly in China's more developed areas, including the Pearl River and Yangtze River deltas. The firm has 18% and 82% of its shares listed on the Hong Kong and Shanghai exchanges, respectively. It has no foreign strategic investors. China Merchants Group is its largest shareholder, with a 30% stake. Retail banking, corporate banking, and wholesale banking accounted for 49%, 51%, and 0% of total profit before tax, respectively, and 40%, 58%, and 2% of total revenue in 2024.
69GF Score
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