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City Union Bank (NSE:CUB) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
City Union Bank Effective Interest Rate on Debt % Related Terms
City Union Bank Effective Interest Rate on Debt % Historical Data
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The historical data trend for City Union 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.
City Union Bank Effective Interest Rate on Debt % Chart
City Union Bank Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, City Union 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.
City Union Bank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, City Union Bank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where City Union 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 88.65% mean?
City Union Bank (NSE:CUB) has a Effective Interest Rate on Debt % of 88.65% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on City Union Bank and its competitors.
Is City Union Bank's Effective Interest Rate on Debt % too high?
City Union Bank's current Effective Interest Rate on Debt % is 88.65%. Overall, City Union Bank has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does City Union Bank's Effective Interest Rate on Debt % compare to competitors?
City Union Bank's Effective Interest Rate on Debt % of 88.65% 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 City Union Bank and its competitors. City Union Bank's current Effective Interest Rate on Debt % is 88.65%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is City Union Bank stock overvalued right now?
Based on GuruFocus' analysis, City Union Bank (NSE:CUB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹175.11, compared to a current price of ₹219.75 — trading 25.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 88.65%. City Union Bank's overall GF Score™ is 75/100 with 5 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 City Union Bank (NSE:CUB), the current Effective Interest Rate on Debt % is 88.65% 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 City Union Bank (NSE:CUB) Overvalued in 2026?
Based on GuruFocus' analysis, City Union Bank stock appears to be overvalued.
The current stock price of ₹219.75 is trading 25.5% above its estimated GF Value™ of ₹175.11.
GuruFocus considers City Union Bank to be Modestly Overvalued.
Key valuation signals for NSE:CUB:
Effective Interest Rate on Debt %: 88.65%
GF Value™: ₹175.11 vs. price of ₹219.75 (25.5% above fair value)
No single metric tells the full story. See the NSE:CUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
City Union Bank Ltd is a provider of banking products and services to individuals and corporations in India. The company is based in India, and generates the entirety of its revenue domestically. City Union Bank operates through four segments: Corporate banking, Treasury, Retail Banking and Other Banking Operations. Of these, Retail Banking contributes for maximum of the bank's revenues. Services offered to clients include savings and current accounts, deposits, credit, foreign deposits, auto loans, educational loans, consumer and jewel loans, life insurance, general insurance and online banking services.
75GF Score
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