Qatar International Islamic Bank QSC (DSMD:QIIK) Effective Interest Rate on Debt %: 6.34% (As of Mar. 2026)

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DSMD:QIIK Qatar International Islamic Bank QSC DSMD:QIIK
60 GF Score
Price ر.ق10.95
GF Value ر.ق12.75
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Qatar International Islamic Bank QSC Effective Interest Rate on Debt %?

Qatar International Islamic Bank QSC DSMD:QIIK -0.36% 60 Effective Interest Rate on Debt % is 6.34% as of Mar. 2026. GuruFocus rates DSMD:QIIK with a GF Score™ of 60/100 and a GF Value™ of ر.ق12.75 (Modestly Undervalued). The stock has 3 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. Qatar International Islamic Bank QSC's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ر.ق325 Mil. Qatar International Islamic Bank QSC's average total debt for the quarter that ended in Mar. 2026 was ر.ق5,124 Mil. Therefore, Qatar International Islamic Bank QSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 6.34%.


Qatar International Islamic Bank QSC  (DSMD:QIIK) Effective Interest Rate on Debt % Explanation

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


Qatar International Islamic Bank QSC Effective Interest Rate on Debt % Related Terms


Qatar International Islamic Bank QSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Qatar International Islamic Bank QSC'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.

Qatar International Islamic Bank QSC Effective Interest Rate on Debt % Chart

Qatar International Islamic Bank QSC 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 5.13 7.49 17.91 16.41 7.54

Qatar International Islamic Bank QSC 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 11.49 10.32 9.84 8.01 6.34

DSMD:QIIK vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Qatar International Islamic Bank QSC'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.


Qatar International Islamic Bank QSC Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Qatar International Islamic Bank QSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Qatar International Islamic Bank QSC's Effective Interest Rate on Debt % falls into.


DSMD:QIIK
60GF Score
Qatar International Islamic Bank QSC DSMD:QIIK
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Qatar International Islamic Bank QSC Effective Interest Rate on Debt % Calculation

Qatar International Islamic Bank QSC'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  *  -298.917/( (2797.713+5129.317)/ 2 )
=-1  *  -298.917/3963.515
=7.54 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2797.713 + 0
=2797.713

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5129.317 + 0
=5129.317

Qatar International Islamic Bank QSC'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  *  -324.948/( (5129.317+5119.212)/ 2 )
=-1  *  -324.948/5124.2645
=6.34 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5129.317 + 0
=5129.317

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5119.212 + 0
=5119.212

* 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 6.34% mean?
Qatar International Islamic Bank QSC (DSMD:QIIK) has a Effective Interest Rate on Debt % of 6.34% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Qatar International Islamic Bank QSC and its competitors.
Is Qatar International Islamic Bank QSC's Effective Interest Rate on Debt % too high?
Qatar International Islamic Bank QSC's current Effective Interest Rate on Debt % is 6.34%. Overall, Qatar International Islamic Bank QSC has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qatar International Islamic Bank QSC's Effective Interest Rate on Debt % compare to PNC and USB?
Qatar International Islamic Bank QSC's Effective Interest Rate on Debt % of 6.34% 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 Qatar International Islamic Bank QSC and its competitors. Qatar International Islamic Bank QSC's current Effective Interest Rate on Debt % is 6.34%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qatar International Islamic Bank QSC stock overvalued right now?
Based on GuruFocus' analysis, Qatar International Islamic Bank QSC (DSMD:QIIK) is currently considered Modestly Undervalued. The stock's GF Value™ is ر.ق12.75, compared to a current price of ر.ق10.95 — trading 14.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 6.34%. Qatar International Islamic Bank QSC's overall GF Score™ is 60/100 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 Qatar International Islamic Bank QSC (DSMD:QIIK), the current Effective Interest Rate on Debt % is 6.34% 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 Qatar International Islamic Bank QSC (DSMD:QIIK) Overvalued in 2026?

Based on GuruFocus' analysis, Qatar International Islamic Bank QSC stock appears to be undervalued. The current stock price of ر.ق10.95 is trading 14.1% below its estimated GF Value™ of ر.ق12.75. GuruFocus considers Qatar International Islamic Bank QSC to be Modestly Undervalued.

Key valuation signals for DSMD:QIIK:

  • Effective Interest Rate on Debt %: 6.34%
  • GF Value™: ر.ق12.75 vs. price of ر.ق10.95 (14.1% below fair value)
  • GF Score™: 60/100 with 3 warning signs

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


Qatar International Islamic Bank QSC Business Description

Address Grand Hamad Street 2, P.O. Box 664, Doha, QAT
Qatar International Islamic Bank QSC is engaged in banking, financing, and investing activities. It operates in three segments. The Corporate Banking segment, which is the key revenue driver, includes financing, deposits and other transactions and balances with corporate customers, government and semi-government institutions, and SME customers. The Personal Banking segment includes financing, deposits, and other transactions and balances with retail customers. The Treasury and Investments segment undertake the group's funding and centralized risk management activities through borrowings, issue of Sukuk, use of risk management instruments for risk management purposes, and investing in liquid assets such as short-term deposits and corporate and government Sukuk.
60GF Score

Get the complete analysis for DSMD:QIIK

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ر.ق10.95
Price
ر.ق12.75
GF Value