TMBBY (TMBThanachart Bank PCL) Effective Interest Rate on Debt %: 15.59% (As of Mar. 2026)


TMBBY TMBThanachart Bank PCL TMBBY
52 GF Score
Price $9.05
GF Value $6.12
! 8 Warning Signs
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What is TMBThanachart Bank PCL Effective Interest Rate on Debt %?

TMBThanachart Bank PCL TMBBY 52 Effective Interest Rate on Debt % is 15.59% as of Mar. 2026. GuruFocus rates TMBBY with a GF Score™ of 52/100 and a GF Value™ of $6.12. The stock has 8 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. TMBThanachart Bank PCL's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $548 Mil. TMBThanachart Bank PCL's average total debt for the quarter that ended in Mar. 2026 was $3,514 Mil. Therefore, TMBThanachart Bank PCL's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 15.59%.


TMBThanachart Bank PCL  (OTCPK:TMBBY) Effective Interest Rate on Debt % Explanation

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


TMBThanachart Bank PCL Effective Interest Rate on Debt % Related Terms


TMBThanachart Bank PCL Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for TMBThanachart Bank PCL'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.

TMBThanachart Bank PCL Effective Interest Rate on Debt % Chart

TMBThanachart Bank PCL Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.33 7.43 11.15 16.65 14.42

TMBThanachart Bank PCL 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 20.47 19.46 18.68 -3.83 15.59

TMBThanachart Bank PCL Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, TMBThanachart Bank PCL'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.


TMBThanachart Bank PCL Effective Interest Rate on Debt % vs Banks Industry

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

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


TMBBY
52GF Score
TMBThanachart Bank PCL TMBBY
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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TMBThanachart Bank PCL Effective Interest Rate on Debt % Calculation

TMBThanachart Bank PCL'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  *  -489.47/( (3239.328+3547.679)/ 2 )
=-1  *  -489.47/3393.5035
=14.42 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3239.328 + 0
=3239.328

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3547.679 + 0
=3547.679

TMBThanachart Bank PCL'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  *  -547.924/( (3547.679+3480.899)/ 2 )
=-1  *  -547.924/3514.289
=15.59 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3547.679 + 0
=3547.679

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3480.899 + 0
=3480.899

* 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 15.59% mean?
TMBThanachart Bank PCL (TMBBY) has a Effective Interest Rate on Debt % of 15.59% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on TMBThanachart Bank PCL and its competitors.
Is TMBThanachart Bank PCL's Effective Interest Rate on Debt % too high?
TMBThanachart Bank PCL's current Effective Interest Rate on Debt % is 15.59%. Overall, TMBThanachart Bank PCL has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does TMBThanachart Bank PCL's Effective Interest Rate on Debt % compare to competitors?
TMBThanachart Bank PCL's Effective Interest Rate on Debt % of 15.59% 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 TMBThanachart Bank PCL and its competitors. TMBThanachart Bank PCL's current Effective Interest Rate on Debt % is 15.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TMBThanachart Bank PCL stock overvalued right now?
TMBThanachart Bank PCL (TMBBY) has a current Effective Interest Rate on Debt % of 15.59%. The stock's GF Value™ is $6.12, compared to a current price of $9.05 — trading 47.9% above its estimated fair value. The current Effective Interest Rate on Debt % is 15.59%. TMBThanachart Bank PCL's overall GF Score™ is 52/100 with 8 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 TMBThanachart Bank PCL (TMBBY), the current Effective Interest Rate on Debt % is 15.59% 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 TMBThanachart Bank PCL (TMBBY) Overvalued in 2026?

Based on GuruFocus' analysis, TMBThanachart Bank PCL stock appears to be overvalued. The current stock price of $9.05 is trading 47.9% above its estimated GF Value™ of $6.12.

Key valuation signals for TMBBY:

  • Effective Interest Rate on Debt %: 15.59%
  • GF Value™: $6.12 vs. price of $9.05 (47.9% above fair value)
  • GF Score™: 52/100 with 8 warning signs

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


TMBThanachart Bank PCL Business Description

Address 3000 Phahonyothin Road, Khwang Chomphon, Khet Chatuchak, Bangkok, THA, 10900
TMBThanachart Bank PCL is a Thailand-based company that is principally engaged in banking. The company operates in two reportable segments retail and commercial banking. Retail banking provides customers with services such as deposits, loans, and credit cards. Commercial banking provides lending, deposit, and management services to wholesale, small, and midsize businesses. The company has maximum revenue from Retail Banking. The company's business operations are concentrated in Thailand.
52GF 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.

$9.05
Price
$6.12
GF Value