Access Bank Ghana (XGHA:ACCESS) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Access Bank Ghana Effective Interest Rate on Debt % Related Terms
Access Bank Ghana Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for Access Bank Ghana'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.
Access Bank Ghana Effective Interest Rate on Debt % Chart
XGHA:ACCESS vs PNC: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Access Bank Ghana'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.
Access Bank Ghana Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Access Bank Ghana's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Access Bank Ghana'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 83.42% mean?
Access Bank Ghana (XGHA:ACCESS) has a Effective Interest Rate on Debt % of 83.42% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Access Bank Ghana and its competitors.
Is Access Bank Ghana's Effective Interest Rate on Debt % too high?
Access Bank Ghana's current Effective Interest Rate on Debt % is 83.42%. Overall, Access Bank Ghana has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Access Bank Ghana's Effective Interest Rate on Debt % compare to PNC?
Access Bank Ghana's Effective Interest Rate on Debt % of 83.42% 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 Access Bank Ghana and its competitors. Access Bank Ghana's current Effective Interest Rate on Debt % is 83.42%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Access Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Access Bank Ghana (XGHA:ACCESS) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS13.78, compared to a current price of GHS31.90 — trading 131.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 83.42%. Access Bank Ghana's overall GF Score™ is 48/100 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 Access Bank Ghana (XGHA:ACCESS), the current Effective Interest Rate on Debt % is 83.42% 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 Access Bank Ghana (XGHA:ACCESS) Overvalued in 2026?
Based on GuruFocus' analysis, Access Bank Ghana stock appears to be overvalued.
The current stock price of GHS31.90 is trading 131.5% above its estimated GF Value™ of GHS13.78.
GuruFocus considers Access Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:ACCESS:
Effective Interest Rate on Debt %: 83.42%
GF Value™: GHS13.78 vs. price of GHS31.90 (131.5% above fair value)
No single metric tells the full story. See the XGHA:ACCESS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Access Bank Ghana PLC is a Ghana-based commercial bank. The bank provides universal banking services including Retail Banking, Commercial Banking, Business Banking, Personal Banking, and Exclusive Banking. It also provides support for financing landmark projects in the private and public sectors. It provides services to Corporate, Commercial, Retail customers, and Financial Institutions across Ghana. The company's segments include Institutional Banking, Commercial Banking, Personal, and Business Banking, and Treasury.
48GF Score
Get the complete analysis for XGHA:ACCESS
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XGHA:ACCESS has been successfully added to your 
