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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. NCBA Group's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was KES23,669 Mil. NCBA Group's average total debt for the quarter that ended in Jun. 2026 was KES6,712 Mil. Therefore, NCBA Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 352.61%.
NCBA Group (NAI:NCBA) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
NCBA Group Effective Interest Rate on Debt % Related Terms
NCBA Group Effective Interest Rate on Debt % Historical Data
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The historical data trend for NCBA Group'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.
NCBA Group Effective Interest Rate on Debt % Chart
NCBA Group Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, NCBA Group'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.
NCBA Group Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, NCBA Group's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where NCBA Group'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 (Jun. 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 352.61% mean?
NCBA Group (NAI:NCBA) has a Effective Interest Rate on Debt % of 352.61% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on NCBA Group and its competitors.
Is NCBA Group's Effective Interest Rate on Debt % too high?
NCBA Group's current Effective Interest Rate on Debt % is 352.61%. Overall, NCBA Group has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCBA Group's Effective Interest Rate on Debt % compare to competitors?
NCBA Group's Effective Interest Rate on Debt % of 352.61% 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 NCBA Group and its competitors. NCBA Group's current Effective Interest Rate on Debt % is 352.61%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCBA Group stock overvalued right now?
Based on GuruFocus' analysis, NCBA Group (NAI:NCBA) is currently considered Significantly Overvalued. The stock's GF Value™ is KES61.96, compared to a current price of KES91.75 — trading 48.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 352.61%. NCBA Group's overall GF Score™ is 68/100 with 2 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 NCBA Group (NAI:NCBA), the current Effective Interest Rate on Debt % is 352.61% as of Jun. 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 NCBA Group (NAI:NCBA) Overvalued in 2026?
Based on GuruFocus' analysis, NCBA Group stock appears to be overvalued.
The current stock price of KES91.75 is trading 48.1% above its estimated GF Value™ of KES61.96.
GuruFocus considers NCBA Group to be Significantly Overvalued.
Key valuation signals for NAI:NCBA:
Effective Interest Rate on Debt %: 352.61%
GF Value™: KES61.96 vs. price of KES91.75 (48.1% above fair value)
No single metric tells the full story. See the NAI:NCBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCBA Group PLC and its subsidiaries provide retail, corporate, and digital banking, brokerage, bancassurance, insurance, and investment banking services. The Group's operating divisions are: Corporate and institutional banking, Retail banking (SME and Consumer banking), Treasury dealing, Digital Bank, Investment banking, and Insurance. Through these divisions, it caters to different segments of customers from medium and large corporates to high net worth and other retail individual clients, offering them various kinds of financial products and services, such as deposit accounts, loans, advisory, digital banking, and wealth management solutions, among others. The Group's geographical segments are: Kenya, Uganda, Tanzania, Rwanda, and Ghana. The majority of its revenue is derived from Kenya.
68GF Score
Get the complete analysis for NAI:NCBA
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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