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China Citic Bank (FRA:D7C) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
China Citic Bank Effective Interest Rate on Debt % Related Terms
China Citic Bank Effective Interest Rate on Debt % Historical Data
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The historical data trend for China Citic Bank'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 Citic Bank Effective Interest Rate on Debt % Chart
China Citic Bank Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, China Citic Bank'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 Citic Bank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, China Citic Bank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where China Citic Bank'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 9.53% mean?
China Citic Bank (FRA:D7C) has a Effective Interest Rate on Debt % of 9.53% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on China Citic Bank and its competitors.
Is China Citic Bank's Effective Interest Rate on Debt % too high?
China Citic Bank's current Effective Interest Rate on Debt % is 9.53%. Overall, China Citic Bank has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Citic Bank's Effective Interest Rate on Debt % compare to competitors?
China Citic Bank's Effective Interest Rate on Debt % of 9.53% 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 Citic Bank and its competitors. China Citic Bank's current Effective Interest Rate on Debt % is 9.53%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Citic Bank stock overvalued right now?
Based on GuruFocus' analysis, China Citic Bank (FRA:D7C) is currently considered Fairly Valued. The stock's GF Value™ is €0.75, compared to a current price of €0.81 — trading 7.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 9.53%. China Citic Bank's overall GF Score™ is 60/100 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 Citic Bank (FRA:D7C), the current Effective Interest Rate on Debt % is 9.53% 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 Citic Bank (FRA:D7C) Overvalued in 2026?
Based on GuruFocus' analysis, China Citic Bank stock appears to be overvalued.
The current stock price of €0.81 is trading 7.6% above its estimated GF Value™ of €0.75.
GuruFocus considers China Citic Bank to be Fairly Valued.
Key valuation signals for FRA:D7C:
Effective Interest Rate on Debt %: 9.53%
GF Value™: €0.75 vs. price of €0.81 (7.6% above fair value)
No single metric tells the full story. See the FRA:D7C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Citic Bank, headquartered in Beijing, ranks as China's ninth-largest commercial lender. The bank operates a nationwide network of 1,459 branches across 153 cities, supplemented by offshore presence in Hong Kong, Macao, New York, Los Angeles, and Singapore as of mid-2024. Founded in 1987, it serves as a core subsidiary of Citic Group, a premier state-owned conglomerate.
60GF Score
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