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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
* 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.
PT Bank Negara Indonesia (Persero) Tbk Effective Interest Rate on Debt % Chart
PT Bank Negara Indonesia (Persero) Tbk Annual Data
PT Bank Negara Indonesia (Persero) Tbk Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Negara Indonesia (Persero) Tbk'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.
PT Bank Negara Indonesia (Persero) Tbk Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Negara Indonesia (Persero) Tbk's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where PT Bank Negara Indonesia (Persero) Tbk'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 47.23% mean?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a Effective Interest Rate on Debt % of 47.23% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT Bank Negara Indonesia (Persero) Tbk and its competitors.
Is PT Bank Negara Indonesia (Persero) Tbk's Effective Interest Rate on Debt % too high?
PT Bank Negara Indonesia (Persero) Tbk's current Effective Interest Rate on Debt % is 47.23%. Overall, PT Bank Negara Indonesia (Persero) Tbk has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Negara Indonesia (Persero) Tbk's Effective Interest Rate on Debt % compare to competitors?
PT Bank Negara Indonesia (Persero) Tbk's Effective Interest Rate on Debt % of 47.23% 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 PT Bank Negara Indonesia (Persero) Tbk and its competitors. PT Bank Negara Indonesia (Persero) Tbk's current Effective Interest Rate on Debt % is 47.23%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Negara Indonesia (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk (PBNNF) is currently considered Modestly Undervalued. The stock's GF Value™ is $0.27, compared to a current price of $0.24 — trading 11.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 47.23%. PT Bank Negara Indonesia (Persero) Tbk's overall GF Score™ is 56/100 with 3 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 PT Bank Negara Indonesia (Persero) Tbk (PBNNF), the current Effective Interest Rate on Debt % is 47.23% 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 PT Bank Negara Indonesia (Persero) Tbk (PBNNF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk stock appears to be undervalued.
The current stock price of $0.24 is trading 11.1% below its estimated GF Value™ of $0.27.
GuruFocus considers PT Bank Negara Indonesia (Persero) Tbk to be Modestly Undervalued.
Key valuation signals for PBNNF:
Effective Interest Rate on Debt %: 47.23%
GF Value™: $0.27 vs. price of $0.24 (11.1% below fair value)
No single metric tells the full story. See the PBNNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Negara Indonesia (Persero) Tbk Business Description
PT Bank Negara Indonesia (Persero) Tbk is an Indonesian state-owned bank, with the government holding just over half of the bank's outstanding shares. Its main banking activities include deposit-taking, providing credit, issuing debt instruments, money transfer services, secondary market services, wholesale banking, custody banking, capital investment, and other services. Its segments include Wholesale & International Banking, Institutional Banking, Enterprises & Commercial Banking, Retail Banking and Treasury. The company generates the majority of its revenue from the Wholesale & International Banking segment which includes loans, customer deposits, and other transactions belonging to corporate customers, both BUMN and private business entities.
56GF 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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