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. Unicaja Banco's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $916 Mil. Unicaja Banco's average total debt for the quarter that ended in Mar. 2026 was $4,684 Mil. Therefore, Unicaja Banco's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 19.55%.
Unicaja Banco (OTCPK:UNJCF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Unicaja Banco Effective Interest Rate on Debt % Related Terms
Unicaja Banco Effective Interest Rate on Debt % Historical Data
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The historical data trend for Unicaja Banco'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.
Unicaja Banco Effective Interest Rate on Debt % Chart
UNJCF vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Unicaja Banco'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.
Unicaja Banco Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Unicaja Banco's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Unicaja Banco'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 19.55% mean?
Unicaja Banco (UNJCF) has a Effective Interest Rate on Debt % of 19.55% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Unicaja Banco and its competitors.
Is Unicaja Banco's Effective Interest Rate on Debt % too high?
Unicaja Banco's current Effective Interest Rate on Debt % is 19.55%. Overall, Unicaja Banco has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Unicaja Banco's Effective Interest Rate on Debt % compare to PNC and USB?
Unicaja Banco's Effective Interest Rate on Debt % of 19.55% 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 Unicaja Banco and its competitors. Unicaja Banco's current Effective Interest Rate on Debt % is 19.55%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unicaja Banco stock overvalued right now?
Unicaja Banco (UNJCF) has a current Effective Interest Rate on Debt % of 19.55%. The stock's GF Value™ is $1.33, compared to a current price of $3.05 — trading 129.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 19.55%. Unicaja Banco's overall GF Score™ is 56/100 with 6 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 Unicaja Banco (UNJCF), the current Effective Interest Rate on Debt % is 19.55% 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 Unicaja Banco (UNJCF) Overvalued in 2026?
Based on GuruFocus' analysis, Unicaja Banco stock appears to be overvalued.
The current stock price of $3.05 is trading 129.3% above its estimated GF Value™ of $1.33.
Key valuation signals for UNJCF:
Effective Interest Rate on Debt %: 19.55%
GF Value™: $1.33 vs. price of $3.05 (129.3% above fair value)
No single metric tells the full story. See the UNJCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unicaja Banco SA is a credit institution; its main activity is retail banking. The group's object includes the provision of investment services and other auxiliary services, as well as the performance of insurance agent activities, as an exclusive or related operator, without the simultaneous exercise of both. Its segments are Credit institutions and insurance companies; these are the activities of the Bank and other Group companies engaged in financial services, as well as other ancillary activities carried out by the Group and of immaterial amounts, and central or general services that have not been allocated to any segment, and Other entities, which include the activities carried out by the other Group companies not included in the previous section. The Group operates in Spain.
56GF Score
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