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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. Seven Bank's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $27 Mil. Seven Bank's average total debt for the quarter that ended in Mar. 2026 was $703 Mil. Therefore, Seven Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.81%.
Seven Bank (OTCPK:SEBNF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Seven Bank Effective Interest Rate on Debt % Related Terms
Seven Bank Effective Interest Rate on Debt % Historical Data
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The historical data trend for Seven 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.
Seven Bank Effective Interest Rate on Debt % Chart
Seven Bank Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, Seven 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.
Seven Bank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Seven Bank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Seven 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 3.81% mean?
Seven Bank (SEBNF) has a Effective Interest Rate on Debt % of 3.81% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Seven Bank and its competitors.
Is Seven Bank's Effective Interest Rate on Debt % too high?
Seven Bank's current Effective Interest Rate on Debt % is 3.81%. Overall, Seven Bank has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Seven Bank's Effective Interest Rate on Debt % compare to competitors?
Seven Bank's Effective Interest Rate on Debt % of 3.81% 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 Seven Bank and its competitors. Seven Bank's current Effective Interest Rate on Debt % is 3.81%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seven Bank stock overvalued right now?
Seven Bank (SEBNF) has a current Effective Interest Rate on Debt % of 3.81%. The stock's GF Value™ is $2.17, compared to a current price of $1.78 — trading 18% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.81%. Seven Bank's overall GF Score™ is 77/100 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 Seven Bank (SEBNF), the current Effective Interest Rate on Debt % is 3.81% 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 Seven Bank (SEBNF) Overvalued in 2026?
Based on GuruFocus' analysis, Seven Bank stock appears to be undervalued.
The current stock price of $1.78 is trading 18% below its estimated GF Value™ of $2.17.
Key valuation signals for SEBNF:
Effective Interest Rate on Debt %: 3.81%
GF Value™: $2.17 vs. price of $1.78 (18% below fair value)
No single metric tells the full story. See the SEBNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Seven Bank Ltd is a Japan-based business bank. It operates a network of ATMs in partnership with financial institutions across Japan. The company's business segments include the ATM Services segment and the Financial Services segment. The ATM Services segment, provides deposits, withdrawals, and bank transfers at more than 22,000 Seven Bank ATMs nationwide using the cards of more than 590 partner institutions. The Financial Services segment provides convenient account-related services, such as ordinary deposits, time deposits, personal loans and international money transfers, which are accessible from not only Seven Bank ATMs but also personal computers and smartphones. Also, the company provides ATM services overseas and back-office support on commission through its subsidiaries.
77GF 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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