The Bank of Khyber (KAR:BOK) Effective Interest Rate on Debt %: 246.78% (As of Mar. 2026)

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KAR:BOK The Bank of Khyber KAR:BOK
55 GF Score
Price ₨32.52
GF Value ₨19.48
Valuation Significantly Overvalued
! 3 Warning Signs
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What is The Bank of Khyber Effective Interest Rate on Debt %?

The Bank of Khyber KAR:BOK 55 Effective Interest Rate on Debt % is 246.78% as of Mar. 2026. GuruFocus rates KAR:BOK with a GF Score™ of 55/100 and a GF Value™ of ₨19.48 (Significantly Overvalued). 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. The Bank of Khyber's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₨28,583 Mil. The Bank of Khyber's average total debt for the quarter that ended in Mar. 2026 was ₨11,582 Mil. Therefore, The Bank of Khyber's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 246.78%.


The Bank of Khyber  (KAR:BOK) Effective Interest Rate on Debt % Explanation

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


The Bank of Khyber Effective Interest Rate on Debt % Related Terms


The Bank of Khyber Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for The Bank of Khyber'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.

The Bank of Khyber Effective Interest Rate on Debt % Chart

The Bank of Khyber 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 42.85 230.52 1,609.79 725.70 236.08

The Bank of Khyber 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 442.37 586.99 679.04 252.67 246.78

The Bank of Khyber Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, The Bank of Khyber'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.


The Bank of Khyber Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, The Bank of Khyber's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where The Bank of Khyber's Effective Interest Rate on Debt % falls into.


KAR:BOK
55GF Score
The Bank of Khyber KAR:BOK
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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The Bank of Khyber Effective Interest Rate on Debt % Calculation

The Bank of Khyber'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  *  -33233.259/( (10147.629+18006.132)/ 2 )
=-1  *  -33233.259/14076.8805
=236.08 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=10147.629 + 0
=10147.629

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18006.132 + 0
=18006.132

The Bank of Khyber'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  *  -28582.52/( (18006.132+5157.774)/ 2 )
=-1  *  -28582.52/11581.953
=246.78 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18006.132 + 0
=18006.132

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5157.774 + 0
=5157.774

* 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 246.78% mean?
The Bank of Khyber (KAR:BOK) has a Effective Interest Rate on Debt % of 246.78% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on The Bank of Khyber and its competitors.
Is The Bank of Khyber's Effective Interest Rate on Debt % too high?
The Bank of Khyber's current Effective Interest Rate on Debt % is 246.78%. Overall, The Bank of Khyber has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Bank of Khyber's Effective Interest Rate on Debt % compare to competitors?
The Bank of Khyber's Effective Interest Rate on Debt % of 246.78% 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 The Bank of Khyber and its competitors. The Bank of Khyber's current Effective Interest Rate on Debt % is 246.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Bank of Khyber stock overvalued right now?
Based on GuruFocus' analysis, The Bank of Khyber (KAR:BOK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨19.48, compared to a current price of ₨32.52 — trading 66.9% above its estimated fair value. The current Effective Interest Rate on Debt % is 246.78%. The Bank of Khyber's overall GF Score™ is 55/100 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 The Bank of Khyber (KAR:BOK), the current Effective Interest Rate on Debt % is 246.78% 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 The Bank of Khyber (KAR:BOK) Overvalued in 2026?

Based on GuruFocus' analysis, The Bank of Khyber stock appears to be overvalued. The current stock price of ₨32.52 is trading 66.9% above its estimated GF Value™ of ₨19.48. GuruFocus considers The Bank of Khyber to be Significantly Overvalued.

Key valuation signals for KAR:BOK:

  • Effective Interest Rate on Debt %: 246.78%
  • GF Value™: ₨19.48 vs. price of ₨32.52 (66.9% above fair value)
  • GF Score™: 55/100 with 3 warning signs

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


The Bank of Khyber Business Description

Address 24 - The Mall, Peshawar Cantt, Peshawar, KP, PAK, 25000
The Bank of Khyber is engaged in the business of commercial banking and related services. It operates through various business segments that are Corporate Finance, which includes mergers and acquisition, underwriting, privatization, securitization, research, and others; Trading and Sales, which includes fixed income, equity, foreign exchanges, commodities, credit, funding, own position securities, and others; Retail Banking, which includes retail lending and deposits, banking services, trust and estates, and others; and Commercial Banking, which includes project finance, real estate, export finance, and others. Geographically, the company operates only in Pakistan.
55GF Score

Get the complete analysis for KAR:BOK

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

₨32.52
Price
₨19.48
GF Value