Taiwan Business Bank (TPE:2834) Effective Interest Rate on Debt %: 68.00% (As of Dec. 2025)

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TPE:2834 Taiwan Business Bank TPE:2834
75 GF Score
Price NT$17.95
GF Value NT$15.31
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Taiwan Business Bank Effective Interest Rate on Debt %?

Taiwan Business Bank TPE:2834 -0.83% 75 Effective Interest Rate on Debt % is 68.00% as of Dec. 2025. GuruFocus rates TPE:2834 with a GF Score™ of 75/100 and a GF Value™ of NT$15.31 (Modestly Overvalued). The stock has 7 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. Taiwan Business Bank's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was NT$36,706 Mil. Taiwan Business Bank's average total debt for the quarter that ended in Dec. 2025 was NT$53,982 Mil. Therefore, Taiwan Business Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 68.00%.


Taiwan Business Bank  (TPE:2834) Effective Interest Rate on Debt % Explanation

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


Taiwan Business Bank Effective Interest Rate on Debt % Related Terms


Taiwan Business Bank Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Taiwan Business 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.

Taiwan Business Bank Effective Interest Rate on Debt % Chart

Taiwan Business Bank 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 11.82 24.46 55.98 66.08 66.51

Taiwan Business Bank Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 68.39 67.48 66.62 67.50 68.00

Taiwan Business Bank Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Taiwan Business 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.


Taiwan Business Bank Effective Interest Rate on Debt % vs Banks Industry

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

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


TPE:2834
75GF Score
Taiwan Business Bank TPE:2834
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Taiwan Business Bank Effective Interest Rate on Debt % Calculation

Taiwan Business Bank'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  *  -36503.882/( (54767.295+55008.882)/ 2 )
=-1  *  -36503.882/54888.0885
=66.51 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=54767.295 + 0
=54767.295

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=55008.882 + 0
=55008.882

Taiwan Business Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -36705.788/( (52954.497+55008.882)/ 2 )
=-1  *  -36705.788/53981.6895
=68.00 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=52954.497 + 0
=52954.497

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=55008.882 + 0
=55008.882

* 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. 2025) 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 68.00% mean?
Taiwan Business Bank (TPE:2834) has a Effective Interest Rate on Debt % of 68.00% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Taiwan Business Bank and its competitors.
Is Taiwan Business Bank's Effective Interest Rate on Debt % too high?
Taiwan Business Bank's current Effective Interest Rate on Debt % is 68.00%. Overall, Taiwan Business Bank has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Taiwan Business Bank's Effective Interest Rate on Debt % compare to competitors?
Taiwan Business Bank's Effective Interest Rate on Debt % of 68.00% 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 Taiwan Business Bank and its competitors. Taiwan Business Bank's current Effective Interest Rate on Debt % is 68.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Taiwan Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Taiwan Business Bank (TPE:2834) is currently considered Modestly Overvalued. The stock's GF Value™ is NT$15.31, compared to a current price of NT$17.95 — trading 17.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 68.00%. Taiwan Business Bank's overall GF Score™ is 75/100 with 7 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 Taiwan Business Bank (TPE:2834), the current Effective Interest Rate on Debt % is 68.00% as of Dec. 2025. 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 Taiwan Business Bank (TPE:2834) Overvalued in 2026?

Based on GuruFocus' analysis, Taiwan Business Bank stock appears to be overvalued. The current stock price of NT$17.95 is trading 17.2% above its estimated GF Value™ of NT$15.31. GuruFocus considers Taiwan Business Bank to be Modestly Overvalued.

Key valuation signals for TPE:2834:

  • Effective Interest Rate on Debt %: 68.00%
  • GF Value™: NT$15.31 vs. price of NT$17.95 (17.2% above fair value)
  • GF Score™: 75/100 with 7 warning signs

No single metric tells the full story. See the TPE:2834 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Taiwan Business Bank Business Description

Address No. 30 Tacheng Street, Datong District, Taipei, TWN, 103
Taiwan Business Bank is a Taiwan-based company that is principally engaged in providing Financial services including deposits, credit lines, foreign exchange, investment, trusts, and personal financial management. The reportable segments of the Bank are Bank segment, Securities segment, Trust segment, Insurance agency segment and Others. The company generates the majority of its revenue from the Banking Segment.
75GF Score

Get the complete analysis for TPE:2834

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

NT$17.95
Price
NT$15.31
GF Value