PT MNC Kapital Indonesia Tbk (ISX:BCAP) Effective Interest Rate on Debt %: 45.49% (As of Mar. 2026)

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ISX:BCAP PT MNC Kapital Indonesia Tbk ISX:BCAP
74 GF Score
Price Rp50.00
GF Value Rp68.82
Valuation Modestly Undervalued
! 5 Warning Signs
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What is PT MNC Kapital Indonesia Tbk Effective Interest Rate on Debt %?

PT MNC Kapital Indonesia Tbk ISX:BCAP 74 Effective Interest Rate on Debt % is 45.49% as of Mar. 2026. GuruFocus rates ISX:BCAP with a GF Score™ of 74/100 and a GF Value™ of Rp68.82 (Modestly Undervalued). The stock has 5 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 MNC Kapital Indonesia Tbk's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was Rp1,326,756 Mil. PT MNC Kapital Indonesia Tbk's average total debt for the quarter that ended in Mar. 2026 was Rp2,916,731 Mil. Therefore, PT MNC Kapital Indonesia Tbk's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 45.49%.


PT MNC Kapital Indonesia Tbk  (ISX:BCAP) Effective Interest Rate on Debt % Explanation

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


PT MNC Kapital Indonesia Tbk Effective Interest Rate on Debt % Related Terms


PT MNC Kapital Indonesia Tbk Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for PT MNC Kapital Indonesia 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 MNC Kapital Indonesia Tbk Effective Interest Rate on Debt % Chart

PT MNC Kapital Indonesia 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 50.04 39.79 45.90 41.36 38.20

PT MNC Kapital Indonesia 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 30.82 28.34 33.55 31.75 45.49

ISX:BCAP vs VOYA, FRHC: Effective Interest Rate on Debt % Comparison

For the Financial Conglomerates subindustry, PT MNC Kapital Indonesia 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 MNC Kapital Indonesia Tbk Effective Interest Rate on Debt % vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, PT MNC Kapital Indonesia Tbk's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where PT MNC Kapital Indonesia Tbk's Effective Interest Rate on Debt % falls into.


ISX:BCAP
74GF Score
PT MNC Kapital Indonesia Tbk ISX:BCAP
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT MNC Kapital Indonesia Tbk Effective Interest Rate on Debt % Calculation

PT MNC Kapital Indonesia 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  *  -1249842/( (3534875+3009409)/ 2 )
=-1  *  -1249842/3272142
=38.20 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=798727 + 2736148
=3534875

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=979786 + 2029623
=3009409

PT MNC Kapital Indonesia 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  *  -1326756/( (3009409+2824052)/ 2 )
=-1  *  -1326756/2916730.5
=45.49 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=979786 + 2029623
=3009409

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=999362 + 1824690
=2824052

* 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 45.49% mean?
PT MNC Kapital Indonesia Tbk (ISX:BCAP) has a Effective Interest Rate on Debt % of 45.49% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT MNC Kapital Indonesia Tbk and its competitors.
Is PT MNC Kapital Indonesia Tbk's Effective Interest Rate on Debt % too high?
PT MNC Kapital Indonesia Tbk's current Effective Interest Rate on Debt % is 45.49%. Overall, PT MNC Kapital Indonesia Tbk has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT MNC Kapital Indonesia Tbk's Effective Interest Rate on Debt % compare to VOYA and FRHC?
PT MNC Kapital Indonesia Tbk's Effective Interest Rate on Debt % of 45.49% can be compared against companies in the Diversified Financial Services 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 Diversified Financial Services company?
A good Effective Interest Rate on Debt % depends on the Diversified Financial Services 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 MNC Kapital Indonesia Tbk and its competitors. PT MNC Kapital Indonesia Tbk's current Effective Interest Rate on Debt % is 45.49%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT MNC Kapital Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT MNC Kapital Indonesia Tbk (ISX:BCAP) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp68.82, compared to a current price of Rp50.00 — trading 27.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 45.49%. PT MNC Kapital Indonesia Tbk's overall GF Score™ is 74/100 with 5 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 MNC Kapital Indonesia Tbk (ISX:BCAP), the current Effective Interest Rate on Debt % is 45.49% 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 MNC Kapital Indonesia Tbk (ISX:BCAP) Overvalued in 2026?

Based on GuruFocus' analysis, PT MNC Kapital Indonesia Tbk stock appears to be undervalued. The current stock price of Rp50.00 is trading 27.3% below its estimated GF Value™ of Rp68.82. GuruFocus considers PT MNC Kapital Indonesia Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BCAP:

  • Effective Interest Rate on Debt %: 45.49%
  • GF Value™: Rp68.82 vs. price of Rp50.00 (27.3% below fair value)
  • GF Score™: 74/100 with 5 warning signs

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


PT MNC Kapital Indonesia Tbk Business Description

Address Jalan Kebon Sirih No. 21-27, MNC Bank Tower, 21st Floor, MNC Center, Central Jakarta, Jakarta, IDN, 10340
PT MNC Kapital Indonesia Tbk is an Indonesia-based integrated financial services company. Along with its subsidiaries, the company operates through several business segments, including Banking, Insurance, Brokerage and Underwriting, Multifinance, Financial Technology, Fund Management, Investment, and Property Leasing. The company provides banking services for individuals, MSMEs, and wholesale customers, as well as insurance, capital market, financing, and digital financial services. The company derives the majority of its revenue from the Banking segment.
74GF Score

Get the complete analysis for ISX:BCAP

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

Rp50.00
Price
Rp68.82
GF Value