Nepal Investment Bank (XNEP:NIB) Effective Interest Rate on Debt %: 154.95% (As of Jul. 2025)

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Director of Data and Quant Analytics at GuruFocus
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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.

XNEP:NIB Nepal Investment Bank Ltd XNEP:NIB
25 GF Score
Price NPR251.00
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What is Nepal Investment Bank Effective Interest Rate on Debt %?

Nepal Investment Bank XNEP:NIB 25 Effective Interest Rate on Debt % is 154.95% as of Jul. 2025. GuruFocus rates XNEP:NIB with a GF Score™ of 25/100.

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 Investment Bank's annualized positive value of Interest Expense for the quarter that ended in Jul. 2025 was NPR21,939 Mil. Nepal Investment Bank's average total debt for the quarter that ended in Jul. 2025 was NPR14,159 Mil. Therefore, Nepal Investment Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jul. 2025 was 154.95%.


Nepal Investment Bank  (XNEP:NIB) Effective Interest Rate on Debt % Explanation

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


Nepal Investment Bank Effective Interest Rate on Debt % Related Terms


Nepal Investment Bank Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Nepal Investment 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 Investment Bank Effective Interest Rate on Debt % Chart

Nepal Investment Bank Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 115.78 100.60 137.35 139.87 142.31

Nepal Investment Bank Quarterly Data
Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25
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 143.47 142.11 0.00 132.97 154.95

Nepal Investment Bank Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Nepal Investment 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 Investment Bank Effective Interest Rate on Debt % vs Banks Industry

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

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


XNEP:NIB
25GF Score
Nepal Investment Bank Ltd XNEP:NIB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Nepal Investment Bank Effective Interest Rate on Debt % Calculation

Nepal Investment Bank's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jul. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jul. 2024 )+Total Debt  (A: Jul. 2025 ))/ count )
=-1  *  -21960.599/( (18079.492+12784)/ 2 )
=-1  *  -21960.599/15431.746
=142.31 %

where

Total Debt  (A: Jul. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18079.492 + 0
=18079.492

Nepal Investment Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jul. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Apr. 2025 )+Total Debt  (Q: Jul. 2025 ))/ count )
=-1  *  -21939.228/( (15534+12784)/ 2 )
=-1  *  -21939.228/14159
=154.95 %

where

* 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 (Jul. 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 154.95% mean?
Nepal Investment Bank (XNEP:NIB) has a Effective Interest Rate on Debt % of 154.95% as of Jul. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Nepal Investment Bank and its competitors.
Is Nepal Investment Bank's Effective Interest Rate on Debt % too high?
Nepal Investment Bank's current Effective Interest Rate on Debt % is 154.95%. Overall, Nepal Investment Bank has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Nepal Investment Bank's Effective Interest Rate on Debt % compare to competitors?
Nepal Investment Bank's Effective Interest Rate on Debt % of 154.95% 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 Investment Bank and its competitors. Nepal Investment Bank's current Effective Interest Rate on Debt % is 154.95%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal Investment Bank stock overvalued right now?
Nepal Investment Bank (XNEP:NIB) has a current Effective Interest Rate on Debt % of 154.95%. The current Effective Interest Rate on Debt % is 154.95%. Nepal Investment Bank's overall GF Score™ is 25/100. 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 Investment Bank (XNEP:NIB), the current Effective Interest Rate on Debt % is 154.95% as of Jul. 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.

Nepal Investment Bank Business Description

Address Durbar Marg, P.O. Box 3412, Kathmandu, NPL
Nepal Investment Bank Ltd is in the business of retail and corporate banking products and services. The bank's business segments are engaged in banking operations, treasury functions, trade finance business, remittance business and card operations. The bank operates in Nepal.
25GF 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.

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