Japan Post Bank Co (OTCPK:JPPTY) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Japan Post Bank Co Effective Interest Rate on Debt % Related Terms
Japan Post Bank Co Effective Interest Rate on Debt % Historical Data
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The historical data trend for Japan Post Bank Co'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.
Japan Post Bank Co Effective Interest Rate on Debt % Chart
Japan Post Bank Co Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, Japan Post Bank Co'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.
Japan Post Bank Co Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Japan Post Bank Co's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Japan Post Bank Co'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 (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 36.30% mean?
Japan Post Bank Co (JPPTY) has a Effective Interest Rate on Debt % of 36.30% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Japan Post Bank Co and its competitors.
Is Japan Post Bank Co's Effective Interest Rate on Debt % too high?
Japan Post Bank Co's current Effective Interest Rate on Debt % is 36.30%. Overall, Japan Post Bank Co has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Japan Post Bank Co's Effective Interest Rate on Debt % compare to competitors?
Japan Post Bank Co's Effective Interest Rate on Debt % of 36.30% 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 Japan Post Bank Co and its competitors. Japan Post Bank Co's current Effective Interest Rate on Debt % is 36.30%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Post Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Japan Post Bank Co (JPPTY) is currently considered Significantly Overvalued. The stock's GF Value™ is $10.22, compared to a current price of $20.30 — trading 98.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 36.30%. Japan Post Bank Co's overall GF Score™ is 50/100 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 Japan Post Bank Co (JPPTY), the current Effective Interest Rate on Debt % is 36.30% 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 Japan Post Bank Co (JPPTY) Overvalued in 2026?
Based on GuruFocus' analysis, Japan Post Bank Co stock appears to be overvalued.
The current stock price of $20.30 is trading 98.6% above its estimated GF Value™ of $10.22.
GuruFocus considers Japan Post Bank Co to be Significantly Overvalued.
Key valuation signals for JPPTY:
Effective Interest Rate on Debt %: 36.30%
GF Value™: $10.22 vs. price of $20.30 (98.6% above fair value)
No single metric tells the full story. See the JPPTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Japan Post Bank Co Ltd is the successor of the postal-savings system dating to the Meiji era. It was partially privatized in 2015, when the government sold to the public an 11% stake in parent company Japan Post Holdings, which in turn sold 11% stakes in Japan Post Bank and Japan Post Insurance to the public. Japan Post Bank is now 64% owned by Japan Post Holdings, which is majority owned by the government. The law requires Japan Post Holdings to divest itself of Japan Post Bank eventually. Japan Post Bank has 235 direct branches and also accepts deposits and sells investment products at more than 24,000 post offices across the country through a sales-agency agreement with Japan Post (an unlisted subsidiary of Japan Post Holdings).
50GF Score
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