Graubuendner Kantonalbank (LTS:0QLT) Effective Interest Rate on Debt %: 1.18% (As of Dec. 2025)

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LTS:0QLT Graubuendner Kantonalbank LTS:0QLT
65 GF Score
Price CHF2,269.97
GF Value CHF1,856.08
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Graubuendner Kantonalbank Effective Interest Rate on Debt %?

Graubuendner Kantonalbank LTS:0QLT -0.87% 65 Effective Interest Rate on Debt % is 1.18% as of Dec. 2025. GuruFocus rates LTS:0QLT with a GF Score™ of 65/100 and a GF Value™ of CHF1,856.08 (Modestly Overvalued). The stock has 9 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. Graubuendner Kantonalbank's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was CHF82.2 Mil. Graubuendner Kantonalbank's average total debt for the quarter that ended in Dec. 2025 was CHF6,949.6 Mil. Therefore, Graubuendner Kantonalbank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 1.18%.


Graubuendner Kantonalbank  (LTS:0QLT) Effective Interest Rate on Debt % Explanation

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


Graubuendner Kantonalbank Effective Interest Rate on Debt % Related Terms


Graubuendner Kantonalbank Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Graubuendner Kantonalbank'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.

Graubuendner Kantonalbank Effective Interest Rate on Debt % Chart

Graubuendner Kantonalbank 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 -0.75 0.29 3.64 3.78 1.46

Graubuendner Kantonalbank Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 3.77 4.15 3.46 1.79 1.18

Graubuendner Kantonalbank Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Graubuendner Kantonalbank'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.


Graubuendner Kantonalbank Effective Interest Rate on Debt % vs Banks Industry

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

* The bar in red indicates where Graubuendner Kantonalbank's Effective Interest Rate on Debt % falls into.


LTS:0QLT
65GF Score
Graubuendner Kantonalbank LTS:0QLT
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Graubuendner Kantonalbank Effective Interest Rate on Debt % Calculation

Graubuendner Kantonalbank'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  *  -100.859/( (6633.265+7144)/ 2 )
=-1  *  -100.859/6888.6325
=1.46 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6633.265 + 0
=6633.265

Graubuendner Kantonalbank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -82.176/( (6755.21+7144)/ 2 )
=-1  *  -82.176/6949.605
=1.18 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6755.21 + 0
=6755.21

* 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 two times the semi-annual (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 1.18% mean?
Graubuendner Kantonalbank (LTS:0QLT) has a Effective Interest Rate on Debt % of 1.18% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Graubuendner Kantonalbank and its competitors.
Is Graubuendner Kantonalbank's Effective Interest Rate on Debt % too high?
Graubuendner Kantonalbank's current Effective Interest Rate on Debt % is 1.18%. Overall, Graubuendner Kantonalbank has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Graubuendner Kantonalbank's Effective Interest Rate on Debt % compare to competitors?
Graubuendner Kantonalbank's Effective Interest Rate on Debt % of 1.18% 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 Graubuendner Kantonalbank and its competitors. Graubuendner Kantonalbank's current Effective Interest Rate on Debt % is 1.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Graubuendner Kantonalbank stock overvalued right now?
Based on GuruFocus' analysis, Graubuendner Kantonalbank (LTS:0QLT) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF1,856.08, compared to a current price of CHF2,269.97 — trading 22.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 1.18%. Graubuendner Kantonalbank's overall GF Score™ is 65/100 with 9 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 Graubuendner Kantonalbank (LTS:0QLT), the current Effective Interest Rate on Debt % is 1.18% 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 Graubuendner Kantonalbank (LTS:0QLT) Overvalued in 2026?

Based on GuruFocus' analysis, Graubuendner Kantonalbank stock appears to be overvalued. The current stock price of CHF2,269.97 is trading 22.3% above its estimated GF Value™ of CHF1,856.08. GuruFocus considers Graubuendner Kantonalbank to be Modestly Overvalued.

Key valuation signals for LTS:0QLT:

  • Effective Interest Rate on Debt %: 1.18%
  • GF Value™: CHF1,856.08 vs. price of CHF2,269.97 (22.3% above fair value)
  • GF Score™: 65/100 with 9 warning signs

No single metric tells the full story. See the LTS:0QLT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Graubuendner Kantonalbank Business Description

Other Exchanges GRKPz:UKGRKP:Switzerland
Address Postplatz, Chur, CHE, 7001
Graubuendner Kantonalbank is a banking corporation in Switzerland. It is engaged in providing banking products and service to private and corporate customers. The company provides a private account, savings accounts, foreign currency accounts, cards, payment services and others. It also provides mortgage facilities, loans, and advances. The company is also involved in providing financial advice, asset management, investment advice, pension and insurance and others.
65GF Score

Get the complete analysis for LTS:0QLT

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

CHF2,269.97
Price
CHF1,856.08
GF Value