Avangard Bank JSC (RTD:AVAN) Effective Interest Rate on Debt %: 22.39% (As of Dec. 2020)

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What is Avangard Bank JSC Effective Interest Rate on Debt %?

Avangard Bank JSC RTD:AVAN 17 Effective Interest Rate on Debt % is 22.39% as of Dec. 2020. GuruFocus rates RTD:AVAN with a GF Score™ of 17/100. The stock has 2 warning signs investors should review.

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. Avangard Bank JSC's annualized positive value of Interest Expense for the quarter that ended in Dec. 2020 was ₽1,119.49 Mil. Avangard Bank JSC's average total debt for the quarter that ended in Dec. 2020 was ₽5,000.57 Mil. Therefore, Avangard Bank JSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2020 was 22.39%.

Avangard Bank JSC  (RTD:AVAN) Effective Interest Rate on Debt % Explanation

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

Avangard Bank JSC Effective Interest Rate on Debt % Related Terms

Avangard Bank JSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Avangard Bank JSC'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.

Avangard Bank JSC Effective Interest Rate on Debt % Chart

Avangard Bank JSC Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 31.29 64.16 88.75 61.49 29.64

Avangard Bank JSC Quarterly Data
Dec14 Dec15 Jun16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20
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 39.97 37.36 31.87 27.19 22.39

RTD:AVAN vs USB, TFC, PNC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Avangard Bank JSC'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.

Avangard Bank JSC Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Avangard Bank JSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Avangard Bank JSC's Effective Interest Rate on Debt % falls into.


Avangard Bank JSC Effective Interest Rate on Debt % Calculation

Avangard Bank JSC's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2020 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2019 )+Total Debt  (A: Dec. 2020 ))/ count )
=-1  *  -1369.165/( (4346.151+4891.945)/ 2 )
=-1  *  -1369.165/4619.048
=29.64 %

where

Total Debt  (A: Dec. 2019 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4346.151 + 0
=4346.151

Total Debt  (A: Dec. 2020 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4891.945 + 0
=4891.945

Avangard Bank JSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2020 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2020 )+Total Debt  (Q: Dec. 2020 ))/ count )
=-1  *  -1119.492/( (5109.2+4891.945)/ 2 )
=-1  *  -1119.492/5000.5725
=22.39 %

where

Total Debt  (Q: Sep. 2020 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5109.2 + 0
=5109.2

Total Debt  (Q: Dec. 2020 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4891.945 + 0
=4891.945

* 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 (Dec. 2020) 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 22.39% mean?
Avangard Bank JSC (RTD:AVAN) has a Effective Interest Rate on Debt % of 22.39% as of Dec. 2020. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Avangard Bank JSC and its competitors.
Is Avangard Bank JSC's Effective Interest Rate on Debt % too high?
Avangard Bank JSC's current Effective Interest Rate on Debt % is 22.39%. Overall, Avangard Bank JSC has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Avangard Bank JSC's Effective Interest Rate on Debt % compare to USB and TFC?
Avangard Bank JSC's Effective Interest Rate on Debt % of 22.39% 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 Avangard Bank JSC and its competitors. Avangard Bank JSC's current Effective Interest Rate on Debt % is 22.39%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avangard Bank JSC stock overvalued right now?
Avangard Bank JSC (RTD:AVAN) has a current Effective Interest Rate on Debt % of 22.39%. The current Effective Interest Rate on Debt % is 22.39%. Avangard Bank JSC's overall GF Score™ is 17/100 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 Avangard Bank JSC (RTD:AVAN), the current Effective Interest Rate on Debt % is 22.39% as of Dec. 2020. 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.

Avangard Bank JSC Business Description

Address 12 Sadovnicheskaya Street, Building 1, Moscow, RUS, 115035
Avangard JSB formerly Avangard Bank JSC operates as a regional bank in Russia. It provides commercial banking products and services to its corporate and retail clients in Russia through its branches and affiliates. It is also engaged in lending cash and settlement services rendered to private businesses. The company offers deposits, car loans, bank cards, banknotes, securities transactions, settlement and cash, currency control, and money transfer services, as well as Internet banking and other services.