Nepal Creditmmerce Bank (XNEP:NCCB) Effective Interest Rate on Debt %: 275.07% (As of Jan. 2023)

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XNEP:NCCB Nepal Credit & Commerce Bank Ltd XNEP:NCCB
21 GF Score
Price NPR189.00
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What is Nepal Creditmmerce Bank Effective Interest Rate on Debt %?

Nepal Creditmmerce Bank XNEP:NCCB 21 Effective Interest Rate on Debt % is 275.07% as of Jan. 2023. GuruFocus rates XNEP:NCCB with a GF Score™ of 21/100.

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. Nepal Creditmmerce Bank's annualized positive value of Interest Expense for the quarter that ended in Jan. 2023 was NPR18,398 Mil. Nepal Creditmmerce Bank's average total debt for the quarter that ended in Jan. 2023 was NPR6,688 Mil. Therefore, Nepal Creditmmerce Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2023 was 275.07%.


Nepal Creditmmerce Bank  (XNEP:NCCB) Effective Interest Rate on Debt % Explanation

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


Nepal Creditmmerce Bank Effective Interest Rate on Debt % Related Terms


Nepal Creditmmerce Bank Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Nepal Creditmmerce 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.

Nepal Creditmmerce Bank Effective Interest Rate on Debt % Chart

Nepal Creditmmerce Bank Annual Data
Trend Jul12 Jul13 Jul14 Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15,480.40 25,682.63 15,378.46 10,978.04 331.59

Nepal Creditmmerce Bank Quarterly Data
Jan18 Apr18 Jul18 Oct18 Jan19 Apr19 Jul19 Oct19 Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Oct22 Jan23
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 221.14 361.50 303.53 389.62 275.07

XNEP:NCCB vs USB, PNC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Nepal Creditmmerce 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.


Nepal Creditmmerce Bank Effective Interest Rate on Debt % vs Banks Industry

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

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


XNEP:NCCB
21GF Score
Nepal Credit & Commerce Bank Ltd XNEP:NCCB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Nepal Creditmmerce Bank Effective Interest Rate on Debt % Calculation

Nepal Creditmmerce Bank's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jul. 2021 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jul. 2020 )+Total Debt  (A: Jul. 2021 ))/ count )
=-1  *  -5425.772/( (53.737+3218.86)/ 2 )
=-1  *  -5425.772/1636.2985
=331.59 %

where

Total Debt  (A: Jul. 2020 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=53.737 + 0
=53.737

Total Debt  (A: Jul. 2021 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3218.86 + 0
=3218.86

Nepal Creditmmerce Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2023 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Oct. 2022 )+Total Debt  (Q: Jan. 2023 ))/ count )
=-1  *  -18397.512/( (3066.544+10310.298)/ 2 )
=-1  *  -18397.512/6688.421
=275.07 %

where

Total Debt  (Q: Oct. 2022 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3066.544 + 0
=3066.544

Total Debt  (Q: Jan. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=10310.298 + 0
=10310.298

* 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 (Jan. 2023) 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 275.07% mean?
Nepal Creditmmerce Bank (XNEP:NCCB) has a Effective Interest Rate on Debt % of 275.07% as of Jan. 2023. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Nepal Creditmmerce Bank and its competitors.
Is Nepal Creditmmerce Bank's Effective Interest Rate on Debt % too high?
Nepal Creditmmerce Bank's current Effective Interest Rate on Debt % is 275.07%. Overall, Nepal Creditmmerce Bank has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Nepal Creditmmerce Bank's Effective Interest Rate on Debt % compare to USB and PNC?
Nepal Creditmmerce Bank's Effective Interest Rate on Debt % of 275.07% 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 Nepal Creditmmerce Bank and its competitors. Nepal Creditmmerce Bank's current Effective Interest Rate on Debt % is 275.07%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal Creditmmerce Bank stock overvalued right now?
Nepal Creditmmerce Bank (XNEP:NCCB) has a current Effective Interest Rate on Debt % of 275.07%. The current Effective Interest Rate on Debt % is 275.07%. Nepal Creditmmerce Bank's overall GF Score™ is 21/100. 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 Nepal Creditmmerce Bank (XNEP:NCCB), the current Effective Interest Rate on Debt % is 275.07% as of Jan. 2023. 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.

Nepal Creditmmerce Bank Business Description

Address Bagbazar, PO Box: 12559, Kathmandu, NPL
Nepal Credit & Commerce Bank Ltd provides standard banking products and services. It offers deposit products including saving account and bachat khatas; loans including housing, hire purchase, vehicle, overdraft and term; mobile and internet banking services, and remittance services.
21GF Score

Get the complete analysis for XNEP:NCCB

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

NPR189.00
Price