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. Fidelity Bank's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₦690,128 Mil. Fidelity Bank's average total debt for the quarter that ended in Mar. 2026 was ₦1,038,240 Mil. Therefore, Fidelity Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 66.47%.
Fidelity Bank (NSA:FBP) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Fidelity Bank Effective Interest Rate on Debt % Related Terms
Fidelity Bank Effective Interest Rate on Debt % Historical Data
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The historical data trend for Fidelity Bank'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.
Fidelity Bank Effective Interest Rate on Debt % Chart
Fidelity Bank Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, Fidelity Bank'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.
Fidelity Bank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity Bank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Fidelity Bank'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 66.47% mean?
Fidelity Bank (NSA:FBP) has a Effective Interest Rate on Debt % of 66.47% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Fidelity Bank and its competitors.
Is Fidelity Bank's Effective Interest Rate on Debt % too high?
Fidelity Bank's current Effective Interest Rate on Debt % is 66.47%. Overall, Fidelity Bank has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's Effective Interest Rate on Debt % compare to competitors?
Fidelity Bank's Effective Interest Rate on Debt % of 66.47% 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 Fidelity Bank and its competitors. Fidelity Bank's current Effective Interest Rate on Debt % is 66.47%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦14.26, compared to a current price of ₦19.00 — trading 33.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 66.47%. Fidelity Bank's overall GF Score™ is 71/100 with 4 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 Fidelity Bank (NSA:FBP), the current Effective Interest Rate on Debt % is 66.47% 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued.
The current stock price of ₦19.00 is trading 33.2% above its estimated GF Value™ of ₦14.26.
GuruFocus considers Fidelity Bank to be Significantly Overvalued.
Key valuation signals for NSA:FBP:
Effective Interest Rate on Debt %: 66.47%
GF Value™: ₦14.26 vs. price of ₦19.00 (33.2% above fair value)
No single metric tells the full story. See the NSA:FBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
71GF 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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