Bancontander Argentina (XMAD:XBRSB) Effective Interest Rate on Debt %: 384.63% (As of Mar. 2026)

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XMAD:XBRSB Banco Santander Argentina SA XMAD:XBRSB
16 GF Score
Price €0.25
GF Value €0.26
! 4 Warning Signs
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What is Bancontander Argentina Effective Interest Rate on Debt %?

Bancontander Argentina XMAD:XBRSB 16 Effective Interest Rate on Debt % is 384.63% as of Mar. 2026. GuruFocus rates XMAD:XBRSB with a GF Score™ of 16/100 and a GF Value™ of €0.26. The stock has 4 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. Bancontander Argentina's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €1,118 Mil. Bancontander Argentina's average total debt for the quarter that ended in Mar. 2026 was €291 Mil. Therefore, Bancontander Argentina's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 384.63%.


Bancontander Argentina  (XMAD:XBRSB) Effective Interest Rate on Debt % Explanation

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


Bancontander Argentina Effective Interest Rate on Debt % Related Terms


Bancontander Argentina Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Bancontander Argentina'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.

Bancontander Argentina Effective Interest Rate on Debt % Chart

Bancontander Argentina 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 568.65 1,368.46 1,912.71 532.74 476.55

Bancontander Argentina 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 626.93 389.22 390.21 418.01 384.63

XMAD:XBRSB vs USB, PNC, TFC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Bancontander Argentina'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.


Bancontander Argentina Effective Interest Rate on Debt % vs Banks Industry

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

* The bar in red indicates where Bancontander Argentina's Effective Interest Rate on Debt % falls into.


XMAD:XBRSB
16GF Score
Banco Santander Argentina SA XMAD:XBRSB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bancontander Argentina Effective Interest Rate on Debt % Calculation

Bancontander Argentina'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  *  -1310.275/( (223.418+326.479)/ 2 )
=-1  *  -1310.275/274.9485
=476.55 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=223.418 + 0
=223.418

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=326.479 + 0
=326.479

Bancontander Argentina'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  *  -1117.636/( (326.479+254.67)/ 2 )
=-1  *  -1117.636/290.5745
=384.63 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=326.479 + 0
=326.479

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=254.67 + 0
=254.67

* 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 384.63% mean?
Bancontander Argentina (XMAD:XBRSB) has a Effective Interest Rate on Debt % of 384.63% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bancontander Argentina and its competitors.
Is Bancontander Argentina's Effective Interest Rate on Debt % too high?
Bancontander Argentina's current Effective Interest Rate on Debt % is 384.63%. Overall, Bancontander Argentina has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Bancontander Argentina's Effective Interest Rate on Debt % compare to USB and PNC?
Bancontander Argentina's Effective Interest Rate on Debt % of 384.63% 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 Bancontander Argentina and its competitors. Bancontander Argentina's current Effective Interest Rate on Debt % is 384.63%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancontander Argentina stock overvalued right now?
Bancontander Argentina (XMAD:XBRSB) has a current Effective Interest Rate on Debt % of 384.63%. The stock's GF Value™ is €0.26, compared to a current price of €0.25 — trading 4.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 384.63%. Bancontander Argentina's overall GF Score™ is 16/100 with 4 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 Bancontander Argentina (XMAD:XBRSB), the current Effective Interest Rate on Debt % is 384.63% 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 Bancontander Argentina (XMAD:XBRSB) Overvalued in 2026?

Based on GuruFocus' analysis, Bancontander Argentina stock appears to be undervalued. The current stock price of €0.25 is trading 4.6% below its estimated GF Value™ of €0.26.

Key valuation signals for XMAD:XBRSB:

  • Effective Interest Rate on Debt %: 384.63%
  • GF Value™: €0.26 vs. price of €0.25 (4.6% below fair value)
  • GF Score™: 16/100 with 4 warning signs

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


Bancontander Argentina Business Description

Address Bartolome Mitre 480, Buenos Aires, ARG, 1036
Banco Santander Argentina SA Formerly Banco Santander Rio SA is a commercial bank and financial services company. It provides various banking products and services to individual and business customers, and small and medium-sized enterprises. The company offers savings and various accounts; and cards, insurance, and private banking services. It also provides collection and payment, foreign trade, investment, cash management and mutual fund, and transactional services. In addition, the company offers financing, treasury, investment banking, custody, and international and online banking services.
16GF 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.

€0.25
Price
€0.26
GF Value