Sberbank of Russia PJSC (MIC:SBER) Effective Interest Rate on Debt %: 142.25% (As of Jun. 2023)

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MIC:SBER Sberbank of Russia PJSC MIC:SBER
17 GF Score
Price ₽294.56
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What is Sberbank of Russia PJSC Effective Interest Rate on Debt %?

Sberbank of Russia PJSC MIC:SBER +0.20% 17 Effective Interest Rate on Debt % is 142.25% as of Jun. 2023. GuruFocus rates MIC:SBER 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. Sberbank of Russia PJSC's annualized positive value of Interest Expense for the quarter that ended in Jun. 2023 was ₽1,426,823 Mil. Sberbank of Russia PJSC's average total debt for the quarter that ended in Jun. 2023 was ₽1,003,038 Mil. Therefore, Sberbank of Russia PJSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2023 was 142.25%.


Sberbank of Russia PJSC  (MIC:SBER) Effective Interest Rate on Debt % Explanation

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


Sberbank of Russia PJSC Effective Interest Rate on Debt % Related Terms


Sberbank of Russia PJSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Sberbank of Russia 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.

Sberbank of Russia PJSC Effective Interest Rate on Debt % Chart

Sberbank of Russia PJSC Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 40.97 60.03 51.71 58.10 124.59

Sberbank of Russia PJSC Quarterly Data
Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Dec22 Mar23 Jun23
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 55.04 68.45 0.00 107.31 142.25

Sberbank of Russia PJSC Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Sberbank of Russia 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.


Sberbank of Russia PJSC Effective Interest Rate on Debt % vs Banks Industry

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

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


MIC:SBER
17GF Score
Sberbank of Russia PJSC MIC:SBER
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Sberbank of Russia PJSC Effective Interest Rate on Debt % Calculation

Sberbank of Russia PJSC's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2022 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2021 )+Total Debt  (A: Dec. 2022 ))/ count )
=-1  *  -1713600/( (1528800+1221900)/ 2 )
=-1  *  -1713600/1375350
=124.59 %

where

Total Debt  (A: Dec. 2021 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1528800 + 0
=1528800

Total Debt  (A: Dec. 2022 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1221900 + 0
=1221900

Sberbank of Russia PJSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2023 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2023 )+Total Debt  (Q: Jun. 2023 ))/ count )
=-1  *  -1426823.416/( (0+1003038.462)/ 1 )
=-1  *  -1426823.416/1003038.462
=142.25 %

where

Total Debt  (Q: Jun. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1003038.462 + 0
=1003038.462

* 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 (Jun. 2023) 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 142.25% mean?
Sberbank of Russia PJSC (MIC:SBER) has a Effective Interest Rate on Debt % of 142.25% as of Jun. 2023. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sberbank of Russia PJSC and its competitors.
Is Sberbank of Russia PJSC's Effective Interest Rate on Debt % too high?
Sberbank of Russia PJSC's current Effective Interest Rate on Debt % is 142.25%. Overall, Sberbank of Russia PJSC has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Sberbank of Russia PJSC's Effective Interest Rate on Debt % compare to competitors?
Sberbank of Russia PJSC's Effective Interest Rate on Debt % of 142.25% 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 Sberbank of Russia PJSC and its competitors. Sberbank of Russia PJSC's current Effective Interest Rate on Debt % is 142.25%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sberbank of Russia PJSC stock overvalued right now?
Sberbank of Russia PJSC (MIC:SBER) has a current Effective Interest Rate on Debt % of 142.25%. The current Effective Interest Rate on Debt % is 142.25%. Sberbank of Russia 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 Sberbank of Russia PJSC (MIC:SBER), the current Effective Interest Rate on Debt % is 142.25% as of Jun. 2023. 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.

Sberbank of Russia PJSC Business Description

Address 19 Vavilova Street, Moscow, RUS, 117997
Sberbank of Russia PJSC is a full-service bank operating primarily in Russia, but with significant exposure to Central and Eastern European countries. The bank has grown into a universal bank through acquisitions since its historical savings bank origins. Sberbank's principal shareholder is the Central Bank of the Russian Federation, which owns just over half of the bank's outstanding shares. The bank's activities are organized by three main priorities: corporate banking, retail banking, and investment banking. Corporate loans constitute the bulk of the bank's earning assets, mostly to corporations with the largest market capitalizations. The bank's development strategy emphasizes customer service, cost management, and technological modernization.
17GF 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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