PT Bank Pembangunan Daerah Jawa Timur Tbk (FRA:P7T) Effective Interest Rate on Debt %: 50.79% (As of Mar. 2026)

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FRA:P7T PT Bank Pembangunan Daerah Jawa Timur Tbk FRA:P7T
71 GF Score
Price €0.02
GF Value €0.04
! 2 Warning Signs
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What is PT Bank Pembangunan Daerah Jawa Timur Tbk Effective Interest Rate on Debt %?

PT Bank Pembangunan Daerah Jawa Timur Tbk FRA:P7T -2.22% 71 Effective Interest Rate on Debt % is 50.79% as of Mar. 2026. GuruFocus rates FRA:P7T with a GF Score™ of 71/100 and a GF Value™ of €0.04. The stock has 2 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. PT Bank Pembangunan Daerah Jawa Timur Tbk's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €199.6 Mil. PT Bank Pembangunan Daerah Jawa Timur Tbk's average total debt for the quarter that ended in Mar. 2026 was €392.9 Mil. Therefore, PT Bank Pembangunan Daerah Jawa Timur Tbk's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 50.79%.


PT Bank Pembangunan Daerah Jawa Timur Tbk  (FRA:P7T) Effective Interest Rate on Debt % Explanation

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


PT Bank Pembangunan Daerah Jawa Timur Tbk Effective Interest Rate on Debt % Related Terms


PT Bank Pembangunan Daerah Jawa Timur Tbk Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for PT Bank Pembangunan Daerah Jawa Timur Tbk'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.

PT Bank Pembangunan Daerah Jawa Timur Tbk Effective Interest Rate on Debt % Chart

PT Bank Pembangunan Daerah Jawa Timur Tbk 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 278.48 289.86 361.58 231.03 62.07

PT Bank Pembangunan Daerah Jawa Timur Tbk 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 169.95 90.14 66.55 46.73 50.79

PT Bank Pembangunan Daerah Jawa Timur Tbk Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, PT Bank Pembangunan Daerah Jawa Timur Tbk'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.


PT Bank Pembangunan Daerah Jawa Timur Tbk Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Pembangunan Daerah Jawa Timur Tbk's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where PT Bank Pembangunan Daerah Jawa Timur Tbk's Effective Interest Rate on Debt % falls into.


FRA:P7T
71GF Score
PT Bank Pembangunan Daerah Jawa Timur Tbk FRA:P7T
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Pembangunan Daerah Jawa Timur Tbk Effective Interest Rate on Debt % Calculation

PT Bank Pembangunan Daerah Jawa Timur Tbk'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  *  -157.165/( (99.421+406.981)/ 2 )
=-1  *  -157.165/253.201
=62.07 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=99.421 + 0
=99.421

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=406.981 + 0
=406.981

PT Bank Pembangunan Daerah Jawa Timur Tbk'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  *  -199.588/( (406.981+378.896)/ 2 )
=-1  *  -199.588/392.9385
=50.79 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=406.981 + 0
=406.981

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=378.896 + 0
=378.896

* 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 50.79% mean?
PT Bank Pembangunan Daerah Jawa Timur Tbk (FRA:P7T) has a Effective Interest Rate on Debt % of 50.79% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT Bank Pembangunan Daerah Jawa Timur Tbk and its competitors.
Is PT Bank Pembangunan Daerah Jawa Timur Tbk's Effective Interest Rate on Debt % too high?
PT Bank Pembangunan Daerah Jawa Timur Tbk's current Effective Interest Rate on Debt % is 50.79%. Overall, PT Bank Pembangunan Daerah Jawa Timur Tbk has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pembangunan Daerah Jawa Timur Tbk's Effective Interest Rate on Debt % compare to competitors?
PT Bank Pembangunan Daerah Jawa Timur Tbk's Effective Interest Rate on Debt % of 50.79% 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 PT Bank Pembangunan Daerah Jawa Timur Tbk and its competitors. PT Bank Pembangunan Daerah Jawa Timur Tbk's current Effective Interest Rate on Debt % is 50.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Pembangunan Daerah Jawa Timur Tbk stock overvalued right now?
PT Bank Pembangunan Daerah Jawa Timur Tbk (FRA:P7T) has a current Effective Interest Rate on Debt % of 50.79%. The stock's GF Value™ is €0.04, compared to a current price of €0.02 — trading 45% below its estimated fair value. The current Effective Interest Rate on Debt % is 50.79%. PT Bank Pembangunan Daerah Jawa Timur Tbk's overall GF Score™ is 71/100 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 PT Bank Pembangunan Daerah Jawa Timur Tbk (FRA:P7T), the current Effective Interest Rate on Debt % is 50.79% 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 PT Bank Pembangunan Daerah Jawa Timur Tbk (FRA:P7T) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Pembangunan Daerah Jawa Timur Tbk stock appears to be undervalued. The current stock price of €0.02 is trading 45% below its estimated GF Value™ of €0.04.

Key valuation signals for FRA:P7T:

  • Effective Interest Rate on Debt %: 50.79%
  • GF Value™: €0.04 vs. price of €0.02 (45% below fair value)
  • GF Score™: 71/100 with 2 warning signs

No single metric tells the full story. See the FRA:P7T stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Bank Pembangunan Daerah Jawa Timur Tbk Business Description

Other Exchanges BJTM:Indonesia
Address Jalan Basuki Rachmad No. 98 - 104, Surabaya, IDN, 60271
PT Bank Pembangunan Daerah Jawa Timur Tbk is an Indonesian bank. The bank generates all of its revenue domestically. The bank operates under two segments: conventional and Sharia. The conventional segment includes deposits in local and foreign currency, savings accounts, checking accounts, capital loans, property construction loans, working-capital finance, mortgages, small and midsize enterprise loans, personal loans, mobile banking, debit cards, and safety deposit boxes. The Sharia segment provides banking services in accordance with Islamic traditions. The bank generates majority of its revenue from conventional services.
71GF 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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