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Banca Transilvania (LTS:0DP9) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Banca Transilvania Effective Interest Rate on Debt % Related Terms
Banca Transilvania Effective Interest Rate on Debt % Historical Data
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The historical data trend for Banca Transilvania'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.
Banca Transilvania Effective Interest Rate on Debt % Chart
LTS:0DP9 vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Banca Transilvania'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.
Banca Transilvania Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Transilvania's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Banca Transilvania'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 25.99% mean?
Banca Transilvania (LTS:0DP9) has a Effective Interest Rate on Debt % of 25.99% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banca Transilvania and its competitors.
Is Banca Transilvania's Effective Interest Rate on Debt % too high?
Banca Transilvania's current Effective Interest Rate on Debt % is 25.99%. Overall, Banca Transilvania has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's Effective Interest Rate on Debt % compare to PNC and USB?
Banca Transilvania's Effective Interest Rate on Debt % of 25.99% 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 Banca Transilvania and its competitors. Banca Transilvania's current Effective Interest Rate on Debt % is 25.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Transilvania stock overvalued right now?
Based on GuruFocus' analysis, Banca Transilvania (LTS:0DP9) is currently considered Significantly Overvalued. The stock's GF Value™ is lei1.34, compared to a current price of lei1.86 — trading 38.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 25.99%. Banca Transilvania's overall GF Score™ is 77/100 with 8 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 Banca Transilvania (LTS:0DP9), the current Effective Interest Rate on Debt % is 25.99% 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 Banca Transilvania (LTS:0DP9) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Transilvania stock appears to be overvalued.
The current stock price of lei1.86 is trading 38.6% above its estimated GF Value™ of lei1.34.
GuruFocus considers Banca Transilvania to be Significantly Overvalued.
Key valuation signals for LTS:0DP9:
Effective Interest Rate on Debt %: 25.99%
GF Value™: lei1.34 vs. price of lei1.86 (38.6% above fair value)
No single metric tells the full story. See the LTS:0DP9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Transilvania SA Is a bank for entrepreneurs in Romania. It provides banking products and services to corporate and retail clients and its operation format is broken down into various segments which include Large and medium corporate customers, Small and medium-sized enterprises, Micro business clients, Retail, Treasury, Leasing, and customer finance, and others. The group takes an active role in offering products and services such as lending services, cash management services, asset management, investment, mortgage, deposits, card services, internet banking, tax assistance, and financial services for a medical specialty. Besides, the firm also offers financial investment management, brokerage service, factoring, and real estate services.
77GF Score
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