Kien Long Commercial JSB (STC:KLB) Effective Interest Rate on Debt %: 37.72% (As of Mar. 2026)


STC:KLB Kien Long Commercial JSB STC:KLB
33 GF Score
Price ₫12,850.00
! 1 Warning Sign
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What is Kien Long Commercial JSB Effective Interest Rate on Debt %?

Kien Long Commercial JSB STC:KLB +0.55% 33 Effective Interest Rate on Debt % is 37.72% as of Mar. 2026. GuruFocus rates STC:KLB with a GF Score™ of 33/100. The stock has 1 warning sign 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. Kien Long Commercial JSB's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₫1,313,659 Mil. Kien Long Commercial JSB's average total debt for the quarter that ended in Mar. 2026 was ₫3,482,881 Mil. Therefore, Kien Long Commercial JSB's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 37.72%.

Kien Long Commercial JSB  (STC:KLB) Effective Interest Rate on Debt % Explanation

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

Kien Long Commercial JSB Effective Interest Rate on Debt % Related Terms

Kien Long Commercial JSB Effective Interest Rate on Debt % Historical Data

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The historical data trend for Kien Long Commercial JSB'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.

Kien Long Commercial JSB Effective Interest Rate on Debt % Chart

Kien Long Commercial JSB Annual Data
Trend
Effective Interest Rate on Debt %

Kien Long Commercial JSB Semi-Annual Data
Mar25 Mar26
Effective Interest Rate on Debt % 0.00 37.72

STC:KLB vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Kien Long Commercial JSB'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.

Kien Long Commercial JSB Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Kien Long Commercial JSB's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Kien Long Commercial JSB's Effective Interest Rate on Debt % falls into.


STC:KLB
33GF Score
Kien Long Commercial JSB STC:KLB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Kien Long Commercial JSB Effective Interest Rate on Debt % Calculation

Kien Long Commercial JSB's annualized Effective Interest Rate on Debt % for the fiscal year that ended in . 20 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: . 20 )+Total Debt  (A: . 20 ))/ count )
=-1  *  /( (+)/ )
=-1  *  /
= %

where

Total Debt  (A: . 20 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
= +
=

Total Debt  (A: . 20 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
= +
=

Kien Long Commercial JSB'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: Mar. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -1313659/( (0+3482881)/ 1 )
=-1  *  -1313659/3482881
=37.72 %

where

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3482881 + 0
=3482881

* 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 one times the annual (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 37.72% mean?
Kien Long Commercial JSB (STC:KLB) has a Effective Interest Rate on Debt % of 37.72% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Kien Long Commercial JSB and its competitors.
Is Kien Long Commercial JSB's Effective Interest Rate on Debt % too high?
Kien Long Commercial JSB's current Effective Interest Rate on Debt % is 37.72%. Overall, Kien Long Commercial JSB has a GF Score™ of 33/100, reflecting its overall financial health beyond just this single metric.
How does Kien Long Commercial JSB's Effective Interest Rate on Debt % compare to PNC and USB?
Kien Long Commercial JSB's Effective Interest Rate on Debt % of 37.72% 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 Kien Long Commercial JSB and its competitors. Kien Long Commercial JSB's current Effective Interest Rate on Debt % is 37.72%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kien Long Commercial JSB stock overvalued right now?
Kien Long Commercial JSB (STC:KLB) has a current Effective Interest Rate on Debt % of 37.72%. The current Effective Interest Rate on Debt % is 37.72%. Kien Long Commercial JSB's overall GF Score™ is 33/100 with 1 warning sign 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 Kien Long Commercial JSB (STC:KLB), the current Effective Interest Rate on Debt % is 37.72% 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.

Kien Long Commercial JSB Business Description

Address 40-42-44 Pham Hong Thai Street, Vinh Thanh Van Ward, Kien Giang Province, Rach Gia, VNM
Kien Long Commercial JSB is engaged in the business activities of the Bank consist of mobilizing short, medium and long-term deposits from organizations and individuals; granting short, medium and long-term loans to organizations and individuals based on the Bank's capital resources; conducting foreign exchange transactions, international trade finance services, and discounting commercial papers, bonds, and other valuable papers; performing capital contributions, share acquisition, bond investment, and other banking services as permitted by the SBV. The Group operates mainly in banking and asset management.
33GF 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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