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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. OTP Bank's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $4,466 Mil. OTP Bank's average total debt for the quarter that ended in Mar. 2026 was $10,399 Mil. Therefore, OTP Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 42.95%.
OTP Bank (LSE:OTPD) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
OTP Bank Effective Interest Rate on Debt % Related Terms
OTP Bank Effective Interest Rate on Debt % Historical Data
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The historical data trend for OTP 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.
LSE:OTPD vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, OTP 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.
OTP Bank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, OTP Bank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where OTP 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 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 42.95% mean?
OTP Bank (LSE:OTPD) has a Effective Interest Rate on Debt % of 42.95% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on OTP Bank and its competitors.
Is OTP Bank's Effective Interest Rate on Debt % too high?
OTP Bank's current Effective Interest Rate on Debt % is 42.95%. Overall, OTP Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OTP Bank's Effective Interest Rate on Debt % compare to PNC and USB?
OTP Bank's Effective Interest Rate on Debt % of 42.95% 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 OTP Bank and its competitors. OTP Bank's current Effective Interest Rate on Debt % is 42.95%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OTP Bank stock overvalued right now?
Based on GuruFocus' analysis, OTP Bank (LSE:OTPD) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.81, compared to a current price of $17.00 — trading 23.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 42.95%. OTP Bank's overall GF Score™ is 71/100 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 OTP Bank (LSE:OTPD), the current Effective Interest Rate on Debt % is 42.95% 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 OTP Bank (LSE:OTPD) Overvalued in 2026?
Based on GuruFocus' analysis, OTP Bank stock appears to be overvalued.
The current stock price of $17.00 is trading 23.1% above its estimated GF Value™ of $13.81.
GuruFocus considers OTP Bank to be Modestly Overvalued.
Key valuation signals for LSE:OTPD:
Effective Interest Rate on Debt %: 42.95%
GF Value™: $13.81 vs. price of $17.00 (23.1% above fair value)
No single metric tells the full story. See the LSE:OTPD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OTP Bank PLC provides universal financial services through several subsidiaries. It performs banking operations via its bank in Hungary. The Group's operating segments are as follows: OTP Core Hungary, Russia, Ukraine, Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, Slovenia, Uzbekistan, Merkantil Group, Asset Management subsidiaries, other subsidiaries, and Corporate Centre. The Bank provides comprehensive banking & other financial services to both retail & corporate customers: its activities include deposit collection from customers, raising money from the money & capital markets. It also offers mortgage loans, consumer credits, working capital & investment loans to companies and municipalities. A majority of the bank's net revenue is net interest income.
71GF 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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