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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. Banco De Chile's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was €920 Mil. Banco De Chile's average total debt for the quarter that ended in Jun. 2026 was €12,819 Mil. Therefore, Banco De Chile's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 7.18%.
Banco De Chile (FRA:G4RA) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Banco De Chile Effective Interest Rate on Debt % Related Terms
Banco De Chile Effective Interest Rate on Debt % Historical Data
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The historical data trend for Banco De Chile'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.
Banco De Chile Effective Interest Rate on Debt % Chart
FRA:G4RA vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Banco De Chile'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.
Banco De Chile Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Banco De Chile's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Banco De Chile'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 (Jun. 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 7.18% mean?
Banco De Chile (FRA:G4RA) has a Effective Interest Rate on Debt % of 7.18% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banco De Chile and its competitors.
Is Banco De Chile's Effective Interest Rate on Debt % too high?
Banco De Chile's current Effective Interest Rate on Debt % is 7.18%. Overall, Banco De Chile has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco De Chile's Effective Interest Rate on Debt % compare to PNC and USB?
Banco De Chile's Effective Interest Rate on Debt % of 7.18% 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 Banco De Chile and its competitors. Banco De Chile's current Effective Interest Rate on Debt % is 7.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco De Chile stock overvalued right now?
Based on GuruFocus' analysis, Banco De Chile (FRA:G4RA) is currently considered Significantly Overvalued. The stock's GF Value™ is €23.94, compared to a current price of €36.20 — trading 51.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 7.18%. Banco De Chile's overall GF Score™ is 72/100 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 Banco De Chile (FRA:G4RA), the current Effective Interest Rate on Debt % is 7.18% as of Jun. 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 Banco De Chile (FRA:G4RA) Overvalued in 2026?
Based on GuruFocus' analysis, Banco De Chile stock appears to be overvalued.
The current stock price of €36.20 is trading 51.2% above its estimated GF Value™ of €23.94.
GuruFocus considers Banco De Chile to be Significantly Overvalued.
Key valuation signals for FRA:G4RA:
Effective Interest Rate on Debt %: 7.18%
GF Value™: €23.94 vs. price of €36.20 (51.2% above fair value)
No single metric tells the full story. See the FRA:G4RA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Operating under three separate brand names (Banco de Chile, Banco Edwards-Citi, and Banco CrediChile), Banco de Chile is the second largest in the country by loans and third largest by deposits. Banco de Chile generates most of its net interest income (roughly 60% of total revenue) from its mortgage, unsecured consumer credit lines, and commercial loans, with 25% of its outstanding loans being made to firms with more than 10,000 million CLP in revenue. Outside of its banking business, Banco de Chile is the largest asset manager in the country and one of the largest security brokerages, supporting its substantial fee-based revenue.
72GF 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.
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