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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. Northern Trust's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €5,467 Mil. Northern Trust's average total debt for the quarter that ended in Mar. 2026 was €12,059 Mil. Therefore, Northern Trust's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 45.33%.
Northern Trust (FRA:NT4) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Northern Trust Effective Interest Rate on Debt % Related Terms
Northern Trust Effective Interest Rate on Debt % Historical Data
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The historical data trend for Northern Trust'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.
Northern Trust Effective Interest Rate on Debt % Chart
FRA:NT4 vs PFG, TROW, BEN: Effective Interest Rate on Debt % Comparison
For the Asset Management subindustry, Northern Trust'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.
Northern Trust Effective Interest Rate on Debt % vs Asset Management Industry
For the Asset Management industry and Financial Services sector, Northern Trust's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Northern Trust'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 45.33% mean?
Northern Trust (FRA:NT4) has a Effective Interest Rate on Debt % of 45.33% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Northern Trust and its competitors.
Is Northern Trust's Effective Interest Rate on Debt % too high?
Northern Trust's current Effective Interest Rate on Debt % is 45.33%. Overall, Northern Trust has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northern Trust's Effective Interest Rate on Debt % compare to PFG and TROW?
Northern Trust's Effective Interest Rate on Debt % of 45.33% can be compared against companies in the Asset Management 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 an Asset Management company?
A good Effective Interest Rate on Debt % depends on the Asset Management 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 Northern Trust and its competitors. Northern Trust's current Effective Interest Rate on Debt % is 45.33%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northern Trust stock overvalued right now?
Based on GuruFocus' analysis, Northern Trust (FRA:NT4) is currently considered Significantly Overvalued. The stock's GF Value™ is €103.28, compared to a current price of €158.70 — trading 53.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 45.33%. Northern Trust's overall GF Score™ is 76/100 with 6 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 Northern Trust (FRA:NT4), the current Effective Interest Rate on Debt % is 45.33% 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 Northern Trust (FRA:NT4) Overvalued in 2026?
Based on GuruFocus' analysis, Northern Trust stock appears to be overvalued.
The current stock price of €158.70 is trading 53.7% above its estimated GF Value™ of €103.28.
GuruFocus considers Northern Trust to be Significantly Overvalued.
Key valuation signals for FRA:NT4:
Effective Interest Rate on Debt %: 45.33%
GF Value™: €103.28 vs. price of €158.70 (53.7% above fair value)
No single metric tells the full story. See the FRA:NT4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Northern Trust is a leading provider of wealth management, asset servicing, asset management, and banking to corporations, institutions, affluent families, and individuals. Founded in Chicago in 1889, Northern Trust has offices in 20 states and Washington, D.C. as well as 23 locations in Canada, Europe, the Middle East, and Asia-Pacific. As of December 2025, Northern Trust had assets under custody or administration of $18.7 trillion and assets under management of $1.8 trillion.
76GF Score
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