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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. Howa Bank's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was 円1,228 Mil. Howa Bank's average total debt for the quarter that ended in Mar. 2026 was 円124 Mil. Therefore, Howa Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 990.32%.
Howa Bank (FSE:8559) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Howa Bank Effective Interest Rate on Debt % Related Terms
Howa Bank Effective Interest Rate on Debt % Historical Data
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The historical data trend for Howa 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.
Howa Bank Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, Howa 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.
Howa Bank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Howa Bank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Howa 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 two times the semi-annual (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 990.32% mean?
Howa Bank (FSE:8559) has a Effective Interest Rate on Debt % of 990.32% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Howa Bank and its competitors.
Is Howa Bank's Effective Interest Rate on Debt % too high?
Howa Bank's current Effective Interest Rate on Debt % is 990.32%. Overall, Howa Bank has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's Effective Interest Rate on Debt % compare to competitors?
Howa Bank's Effective Interest Rate on Debt % of 990.32% 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 Howa Bank and its competitors. Howa Bank's current Effective Interest Rate on Debt % is 990.32%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Modestly Undervalued. The stock's GF Value™ is 円532.05, compared to a current price of 円472.00 — trading 11.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 990.32%. Howa Bank's overall GF Score™ is 55/100 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 Howa Bank (FSE:8559), the current Effective Interest Rate on Debt % is 990.32% 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 Howa Bank (FSE:8559) Overvalued in 2026?
Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued.
The current stock price of 円472.00 is trading 11.3% below its estimated GF Value™ of 円532.05.
GuruFocus considers Howa Bank to be Modestly Undervalued.
Key valuation signals for FSE:8559:
Effective Interest Rate on Debt %: 990.32%
GF Value™: 円532.05 vs. price of 円472.00 (11.3% below fair value)
No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
55GF 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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