Bin Dawood Holding (SAU:4161) Effective Interest Rate on Debt %: 4.73% (As of Mar. 2026)

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SAU:4161 Bin Dawood Holding SAU:4161
81 GF Score
Price ﷼4.52
GF Value ﷼7.63
Valuation Significantly Undervalued
! 5 Warning Signs
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What is Bin Dawood Holding Effective Interest Rate on Debt %?

Bin Dawood Holding SAU:4161 -0.22% 81 Effective Interest Rate on Debt % is 4.73% as of Mar. 2026. GuruFocus rates SAU:4161 with a GF Score™ of 81/100 and a GF Value™ of ﷼7.63 (Significantly Undervalued). The stock has 5 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. Bin Dawood Holding's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ﷼140 Mil. Bin Dawood Holding's average total debt for the quarter that ended in Mar. 2026 was ﷼2,961 Mil. Therefore, Bin Dawood Holding's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.73%.


Bin Dawood Holding  (SAU:4161) Effective Interest Rate on Debt % Explanation

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


Bin Dawood Holding Effective Interest Rate on Debt % Related Terms


Bin Dawood Holding Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Bin Dawood Holding'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.

Bin Dawood Holding Effective Interest Rate on Debt % Chart

Bin Dawood Holding Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 3.59 3.64 3.98 4.14 4.89

Bin Dawood Holding Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 4.62 4.44 4.60 4.81 4.73

SAU:4161 vs KR: Effective Interest Rate on Debt % Comparison

For the Grocery Stores subindustry, Bin Dawood Holding'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.


Bin Dawood Holding Effective Interest Rate on Debt % vs Retail - Defensive Industry

For the Retail - Defensive industry and Consumer Defensive sector, Bin Dawood Holding's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Bin Dawood Holding's Effective Interest Rate on Debt % falls into.


SAU:4161
81GF Score
Bin Dawood Holding SAU:4161
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bin Dawood Holding Effective Interest Rate on Debt % Calculation

Bin Dawood Holding's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -125.316/( (2304.921+2825.448)/ 2 )
=-1  *  -125.316/2565.1845
=4.89 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2030.036 + 274.885
=2304.921

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2365.893 + 459.555
=2825.448

Bin Dawood Holding's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -140.144/( (2825.448+3097.174)/ 2 )
=-1  *  -140.144/2961.311
=4.73 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2365.893 + 459.555
=2825.448

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2619.938 + 477.236
=3097.174

* 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 4.73% mean?
Bin Dawood Holding (SAU:4161) has a Effective Interest Rate on Debt % of 4.73% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bin Dawood Holding and its competitors.
Is Bin Dawood Holding's Effective Interest Rate on Debt % too high?
Bin Dawood Holding's current Effective Interest Rate on Debt % is 4.73%. Overall, Bin Dawood Holding has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bin Dawood Holding's Effective Interest Rate on Debt % compare to KR?
Bin Dawood Holding's Effective Interest Rate on Debt % of 4.73% can be compared against companies in the Retail - Defensive 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 Retail - Defensive company?
A good Effective Interest Rate on Debt % depends on the Retail - Defensive 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 Bin Dawood Holding and its competitors. Bin Dawood Holding's current Effective Interest Rate on Debt % is 4.73%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bin Dawood Holding stock overvalued right now?
Based on GuruFocus' analysis, Bin Dawood Holding (SAU:4161) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼7.63, compared to a current price of ﷼4.52 — trading 40.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.73%. Bin Dawood Holding's overall GF Score™ is 81/100 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 Bin Dawood Holding (SAU:4161), the current Effective Interest Rate on Debt % is 4.73% 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 Bin Dawood Holding (SAU:4161) Overvalued in 2026?

Based on GuruFocus' analysis, Bin Dawood Holding stock appears to be undervalued. The current stock price of ﷼4.52 is trading 40.8% below its estimated GF Value™ of ﷼7.63. GuruFocus considers Bin Dawood Holding to be Significantly Undervalued.

Key valuation signals for SAU:4161:

  • Effective Interest Rate on Debt %: 4.73%
  • GF Value™: ﷼7.63 vs. price of ﷼4.52 (40.8% below fair value)
  • GF Score™: 81/100 with 5 warning signs

No single metric tells the full story. See the SAU:4161 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bin Dawood Holding Business Description

Address Al-Madinah Al-Munawarah Road, P.O. Box 51190, Al Naeem, Jeddah, SAU, 21543
Bin Dawood Holding is the grocery retail operator of hypermarkets and supermarkets in Saudi Arabia. The company's Stores comprise trading of FMCG, fresh Food Products, and Non-Food Products, including household consumable items, as well as the ownership and management of in-store bakeries. The company also engaged in the retail trading of foodstuff and household items, operating bakeries and restaurants, pharmacies, providing information technology and communication services, providing delivery, storage, and transportation services, acquiring and managing investments, and providing market influencing and digital marketing services. The company operates its business under the brands of BinDawood, Danube, BinDawood Dash, Danube Dash, IACo, and Ykone.
81GF Score

Get the complete analysis for SAU:4161

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼4.52
Price
﷼7.63
GF Value