Turkiye Kalkinma Ve Yatirim Bankasi AS (IST:KLNMA) Effective Interest Rate on Debt %: 11.77% (As of Dec. 2025)

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IST:KLNMA Turkiye Kalkinma Ve Yatirim Bankasi AS IST:KLNMA
44 GF Score
Price ₺9.00
GF Value ₺19.37
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Turkiye Kalkinma Ve Yatirim Bankasi AS Effective Interest Rate on Debt %?

Turkiye Kalkinma Ve Yatirim Bankasi AS IST:KLNMA +1.01% 44 Effective Interest Rate on Debt % is 11.77% as of Dec. 2025. GuruFocus rates IST:KLNMA with a GF Score™ of 44/100 and a GF Value™ of ₺19.37 (Significantly Undervalued). The stock has 3 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. Turkiye Kalkinma Ve Yatirim Bankasi AS's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was ₺15,933 Mil. Turkiye Kalkinma Ve Yatirim Bankasi AS's average total debt for the quarter that ended in Dec. 2025 was ₺135,419 Mil. Therefore, Turkiye Kalkinma Ve Yatirim Bankasi AS's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 11.77%.


Turkiye Kalkinma Ve Yatirim Bankasi AS  (IST:KLNMA) Effective Interest Rate on Debt % Explanation

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


Turkiye Kalkinma Ve Yatirim Bankasi AS Effective Interest Rate on Debt % Related Terms


Turkiye Kalkinma Ve Yatirim Bankasi AS Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Turkiye Kalkinma Ve Yatirim Bankasi AS'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.

Turkiye Kalkinma Ve Yatirim Bankasi AS Effective Interest Rate on Debt % Chart

Turkiye Kalkinma Ve Yatirim Bankasi AS 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 2.64 6.21 9.95 11.98 11.74

Turkiye Kalkinma Ve Yatirim Bankasi AS Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 11.72 14.30 10.86 10.20 11.77

Turkiye Kalkinma Ve Yatirim Bankasi AS Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Turkiye Kalkinma Ve Yatirim Bankasi AS'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.


Turkiye Kalkinma Ve Yatirim Bankasi AS Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Turkiye Kalkinma Ve Yatirim Bankasi AS's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Turkiye Kalkinma Ve Yatirim Bankasi AS's Effective Interest Rate on Debt % falls into.


IST:KLNMA
44GF Score
Turkiye Kalkinma Ve Yatirim Bankasi AS IST:KLNMA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Turkiye Kalkinma Ve Yatirim Bankasi AS Effective Interest Rate on Debt % Calculation

Turkiye Kalkinma Ve Yatirim Bankasi AS'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  *  -14455.858/( (106128.697+140039.674)/ 2 )
=-1  *  -14455.858/123084.1855
=11.74 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=106128.697 + 0
=106128.697

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=140039.674 + 0
=140039.674

Turkiye Kalkinma Ve Yatirim Bankasi AS's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -15933.236/( (130797.523+140039.674)/ 2 )
=-1  *  -15933.236/135418.5985
=11.77 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=130797.523 + 0
=130797.523

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=140039.674 + 0
=140039.674

* 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 (Dec. 2025) 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 11.77% mean?
Turkiye Kalkinma Ve Yatirim Bankasi AS (IST:KLNMA) has a Effective Interest Rate on Debt % of 11.77% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Turkiye Kalkinma Ve Yatirim Bankasi AS and its competitors.
Is Turkiye Kalkinma Ve Yatirim Bankasi AS's Effective Interest Rate on Debt % too high?
Turkiye Kalkinma Ve Yatirim Bankasi AS's current Effective Interest Rate on Debt % is 11.77%. Overall, Turkiye Kalkinma Ve Yatirim Bankasi AS has a GF Score™ of 44/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Turkiye Kalkinma Ve Yatirim Bankasi AS's Effective Interest Rate on Debt % compare to competitors?
Turkiye Kalkinma Ve Yatirim Bankasi AS's Effective Interest Rate on Debt % of 11.77% 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 Turkiye Kalkinma Ve Yatirim Bankasi AS and its competitors. Turkiye Kalkinma Ve Yatirim Bankasi AS's current Effective Interest Rate on Debt % is 11.77%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Turkiye Kalkinma Ve Yatirim Bankasi AS stock overvalued right now?
Based on GuruFocus' analysis, Turkiye Kalkinma Ve Yatirim Bankasi AS (IST:KLNMA) is currently considered Significantly Undervalued. The stock's GF Value™ is ₺19.37, compared to a current price of ₺9.00 — trading 53.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 11.77%. Turkiye Kalkinma Ve Yatirim Bankasi AS's overall GF Score™ is 44/100 with 3 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 Turkiye Kalkinma Ve Yatirim Bankasi AS (IST:KLNMA), the current Effective Interest Rate on Debt % is 11.77% as of Dec. 2025. 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 Turkiye Kalkinma Ve Yatirim Bankasi AS (IST:KLNMA) Overvalued in 2026?

Based on GuruFocus' analysis, Turkiye Kalkinma Ve Yatirim Bankasi AS stock appears to be undervalued. The current stock price of ₺9.00 is trading 53.5% below its estimated GF Value™ of ₺19.37. GuruFocus considers Turkiye Kalkinma Ve Yatirim Bankasi AS to be Significantly Undervalued.

Key valuation signals for IST:KLNMA:

  • Effective Interest Rate on Debt %: 11.77%
  • GF Value™: ₺19.37 vs. price of ₺9.00 (53.5% below fair value)
  • GF Score™: 44/100 with 3 warning signs

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


Turkiye Kalkinma Ve Yatirim Bankasi AS Business Description

Address Dr. Adnan Buyukdeniz, Cd. No: 10, Inkilap Mahalles, Umraniye, Istanbul, TUR, 34768
Turkiye Kalkinma Ve Yatirim Bankasi AS provides Development and Investment Banking services in Turkey. The group provides Project Funding and Corporate Loans, Investment Banking, Turkiye Development Fund, Sustainable Finance, and Other.
44GF Score

Get the complete analysis for IST:KLNMA

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₺9.00
Price
₺19.37
GF Value