Banco de la Produccion PRODUBANCO (XGUA:PRE) Effective Interest Rate on Debt %: 133.64% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XGUA:PRE Banco de la Produccion SA PRODUBANCO XGUA:PRE
69 GF Score
Price $2.11
GF Value $1.09
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Banco de la Produccion PRODUBANCO Effective Interest Rate on Debt %?

Banco de la Produccion PRODUBANCO XGUA:PRE 69 Effective Interest Rate on Debt % is 133.64% as of Dec. 2025. GuruFocus rates XGUA:PRE with a GF Score™ of 69/100 and a GF Value™ of $1.09 (Significantly Overvalued). The stock has 6 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. Banco de la Produccion PRODUBANCO's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $291.7 Mil. Banco de la Produccion PRODUBANCO's average total debt for the quarter that ended in Dec. 2025 was $218.3 Mil. Therefore, Banco de la Produccion PRODUBANCO's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 133.64%.


Banco de la Produccion PRODUBANCO  (XGUA:PRE) Effective Interest Rate on Debt % Explanation

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


Banco de la Produccion PRODUBANCO Effective Interest Rate on Debt % Related Terms


Banco de la Produccion PRODUBANCO Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Banco de la Produccion PRODUBANCO'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.

Banco de la Produccion PRODUBANCO Effective Interest Rate on Debt % Chart

Banco de la Produccion PRODUBANCO Annual Data
Trend Dec14 Dec15 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 85.53 79.39 116.35 144.05 133.64

Banco de la Produccion PRODUBANCO Semi-Annual Data
Dec14 Dec15 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 85.53 79.39 116.35 144.05 133.64

XGUA:PRE vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Banco de la Produccion PRODUBANCO'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.


Banco de la Produccion PRODUBANCO Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Banco de la Produccion PRODUBANCO's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Banco de la Produccion PRODUBANCO's Effective Interest Rate on Debt % falls into.


XGUA:PRE
69GF Score
Banco de la Produccion SA PRODUBANCO XGUA:PRE
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco de la Produccion PRODUBANCO Effective Interest Rate on Debt % Calculation

Banco de la Produccion PRODUBANCO'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  *  -291.699/( (234.724+201.836)/ 2 )
=-1  *  -291.699/218.28
=133.64 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=234.724 + 0
=234.724

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=201.836 + 0
=201.836

Banco de la Produccion PRODUBANCO'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: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -291.699/( (234.724+201.836)/ 2 )
=-1  *  -291.699/218.28
=133.64 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=234.724 + 0
=234.724

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=201.836 + 0
=201.836

* 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 (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 133.64% mean?
Banco de la Produccion PRODUBANCO (XGUA:PRE) has a Effective Interest Rate on Debt % of 133.64% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banco de la Produccion PRODUBANCO and its competitors.
Is Banco de la Produccion PRODUBANCO's Effective Interest Rate on Debt % too high?
Banco de la Produccion PRODUBANCO's current Effective Interest Rate on Debt % is 133.64%. Overall, Banco de la Produccion PRODUBANCO has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco de la Produccion PRODUBANCO's Effective Interest Rate on Debt % compare to PNC and USB?
Banco de la Produccion PRODUBANCO's Effective Interest Rate on Debt % of 133.64% 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 Banco de la Produccion PRODUBANCO and its competitors. Banco de la Produccion PRODUBANCO's current Effective Interest Rate on Debt % is 133.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco de la Produccion PRODUBANCO stock overvalued right now?
Based on GuruFocus' analysis, Banco de la Produccion PRODUBANCO (XGUA:PRE) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.09, compared to a current price of $2.11 — trading 93.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 133.64%. Banco de la Produccion PRODUBANCO's overall GF Score™ is 69/100 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 Banco de la Produccion PRODUBANCO (XGUA:PRE), the current Effective Interest Rate on Debt % is 133.64% 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 Banco de la Produccion PRODUBANCO (XGUA:PRE) Overvalued in 2026?

Based on GuruFocus' analysis, Banco de la Produccion PRODUBANCO stock appears to be overvalued. The current stock price of $2.11 is trading 93.6% above its estimated GF Value™ of $1.09. GuruFocus considers Banco de la Produccion PRODUBANCO to be Significantly Overvalued.

Key valuation signals for XGUA:PRE:

  • Effective Interest Rate on Debt %: 133.64%
  • GF Value™: $1.09 vs. price of $2.11 (93.6% above fair value)
  • GF Score™: 69/100 with 6 warning signs

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


Banco de la Produccion PRODUBANCO Business Description

Other Exchanges PRE:Ecuador
Address Simon Bolivar and Via a Nayon, Ekopark Corporate Complex, Tower 1, Quito, ECU
Banco de la Produccion SA PRODUBANCO is a banking company. Its services include current accounts in dollars, savings accounts in dollars, capital integration accounts, payment of import levies, payment of taxes, accumulation policies, and ATMs among others.
69GF Score

Get the complete analysis for XGUA:PRE

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

$2.11
Price
$1.09
GF Value