Russia Commercial Roads Bank PJSC (MIC:RDRB) Effective Interest Rate on Debt %: 19.85% (As of Sep. 2021)

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MIC:RDRB Russia Commercial Roads Bank PJSC MIC:RDRB
17 GF Score
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What is Russia Commercial Roads Bank PJSC Effective Interest Rate on Debt %?

Russia Commercial Roads Bank PJSC MIC:RDRB +0.39% 17 Effective Interest Rate on Debt % is 19.85% as of Sep. 2021. GuruFocus rates MIC:RDRB with a GF Score™ of 17/100.

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. Russia Commercial Roads Bank PJSC's annualized positive value of Interest Expense for the quarter that ended in Sep. 2021 was ₽908 Mil. Russia Commercial Roads Bank PJSC's average total debt for the quarter that ended in Sep. 2021 was ₽4,576 Mil. Therefore, Russia Commercial Roads Bank PJSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2021 was 19.85%.


Russia Commercial Roads Bank PJSC  (MIC:RDRB) Effective Interest Rate on Debt % Explanation

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


Russia Commercial Roads Bank PJSC Effective Interest Rate on Debt % Related Terms


Russia Commercial Roads Bank PJSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Russia Commercial Roads Bank PJSC'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.

Russia Commercial Roads Bank PJSC Effective Interest Rate on Debt % Chart

Russia Commercial Roads Bank PJSC Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 137.70 106.06 55.55 48.91 25.50

Russia Commercial Roads Bank PJSC Quarterly Data
Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21
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 37.86 23.12 11.71 10.92 19.85

MIC:RDRB vs USB, PNC, TFC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Russia Commercial Roads Bank PJSC'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.


Russia Commercial Roads Bank PJSC Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Russia Commercial Roads Bank PJSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Russia Commercial Roads Bank PJSC's Effective Interest Rate on Debt % falls into.


MIC:RDRB
17GF Score
Russia Commercial Roads Bank PJSC MIC:RDRB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Russia Commercial Roads Bank PJSC Effective Interest Rate on Debt % Calculation

Russia Commercial Roads Bank PJSC's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2020 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2019 )+Total Debt  (A: Dec. 2020 ))/ count )
=-1  *  -749.492/( (1370.589+4508.791)/ 2 )
=-1  *  -749.492/2939.69
=25.50 %

where

Total Debt  (A: Dec. 2019 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1370.589 + 0
=1370.589

Total Debt  (A: Dec. 2020 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4508.791 + 0
=4508.791

Russia Commercial Roads Bank PJSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2021 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2021 )+Total Debt  (Q: Sep. 2021 ))/ count )
=-1  *  -908.384/( (7008.404+2143.732)/ 2 )
=-1  *  -908.384/4576.068
=19.85 %

where

Total Debt  (Q: Jun. 2021 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=7008.404 + 0
=7008.404

Total Debt  (Q: Sep. 2021 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2143.732 + 0
=2143.732

* 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 (Sep. 2021) 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 19.85% mean?
Russia Commercial Roads Bank PJSC (MIC:RDRB) has a Effective Interest Rate on Debt % of 19.85% as of Sep. 2021. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Russia Commercial Roads Bank PJSC and its competitors.
Is Russia Commercial Roads Bank PJSC's Effective Interest Rate on Debt % too high?
Russia Commercial Roads Bank PJSC's current Effective Interest Rate on Debt % is 19.85%. Overall, Russia Commercial Roads Bank PJSC has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Russia Commercial Roads Bank PJSC's Effective Interest Rate on Debt % compare to USB and PNC?
Russia Commercial Roads Bank PJSC's Effective Interest Rate on Debt % of 19.85% 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 Russia Commercial Roads Bank PJSC and its competitors. Russia Commercial Roads Bank PJSC's current Effective Interest Rate on Debt % is 19.85%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Russia Commercial Roads Bank PJSC stock overvalued right now?
Russia Commercial Roads Bank PJSC (MIC:RDRB) has a current Effective Interest Rate on Debt % of 19.85%. The current Effective Interest Rate on Debt % is 19.85%. Russia Commercial Roads Bank PJSC's overall GF Score™ is 17/100. 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 Russia Commercial Roads Bank PJSC (MIC:RDRB), the current Effective Interest Rate on Debt % is 19.85% as of Sep. 2021. 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.

Russia Commercial Roads Bank PJSC Business Description

Address 86, Dubininskaya street, Moscow, RUS, 115093
Russia Commercial Roads Bank PJSC, formerly Russian public joint-stock commercial roads Bank provides various financial services in Russia. The bank offers services to its corporate customers, retail customers, and other banks. Its product and services consist of cash management services, deposit banking, loans, trade financing, conversion services, correspondent account and purchase and sale of securities. The bank provides its services to road industry, farming, and transporting, industrial and housing construction, building materials, trade as well as to military industrial complex units. In addition, it is also engaged in small and medium-sized business lending program, mortgage programs for corporate customers, program of work with road enterprises and private banking service.
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