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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. SAB Finance AS's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was Kč44.90 Mil. SAB Finance AS's average total debt for the quarter that ended in Dec. 2025 was Kč391.29 Mil. Therefore, SAB Finance AS's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 11.48%.
SAB Finance AS (XPRA:SABFG) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
SAB Finance AS Effective Interest Rate on Debt % Related Terms
SAB Finance AS Effective Interest Rate on Debt % Historical Data
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The historical data trend for SAB Finance AS'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.
SAB Finance AS Effective Interest Rate on Debt % Chart
XPRA:SABFG vs MS, GS, SCHW: Effective Interest Rate on Debt % Comparison
For the Capital Markets subindustry, SAB Finance AS'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.
SAB Finance AS Effective Interest Rate on Debt % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, SAB Finance AS's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where SAB Finance AS'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 two times the semi-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 11.48% mean?
SAB Finance AS (XPRA:SABFG) has a Effective Interest Rate on Debt % of 11.48% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on SAB Finance AS and its competitors.
Is SAB Finance AS's Effective Interest Rate on Debt % too high?
SAB Finance AS's current Effective Interest Rate on Debt % is 11.48%. Overall, SAB Finance AS has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SAB Finance AS's Effective Interest Rate on Debt % compare to MS and GS?
SAB Finance AS's Effective Interest Rate on Debt % of 11.48% can be compared against companies in the Capital Markets 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 Capital Markets company?
A good Effective Interest Rate on Debt % depends on the Capital Markets 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 SAB Finance AS and its competitors. SAB Finance AS's current Effective Interest Rate on Debt % is 11.48%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SAB Finance AS stock overvalued right now?
Based on GuruFocus' analysis, SAB Finance AS (XPRA:SABFG) is currently considered Fairly Valued. The stock's GF Value™ is Kč992.44, compared to a current price of Kč1,070.00 — trading 7.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 11.48%. SAB Finance AS's overall GF Score™ is 70/100 with 7 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 SAB Finance AS (XPRA:SABFG), the current Effective Interest Rate on Debt % is 11.48% 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 SAB Finance AS (XPRA:SABFG) Overvalued in 2026?
Based on GuruFocus' analysis, SAB Finance AS stock appears to be overvalued.
The current stock price of Kč1,070.00 is trading 7.8% above its estimated GF Value™ of Kč992.44.
GuruFocus considers SAB Finance AS to be Fairly Valued.
Key valuation signals for XPRA:SABFG:
Effective Interest Rate on Debt %: 11.48%
GF Value™: Kč992.44 vs. price of Kč1,070.00 (7.8% above fair value)
No single metric tells the full story. See the XPRA:SABFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SAB Finance AS is engaged in providing International Payment Solutions considering the foreign exchange fluctuations. Its platform allows to make outgoing payments and receive incoming payments. Some of the services offered by the company include Market Watch, Foreign Currency Analysis, Regular Payments, and Multi-Payments.
70GF Score
Get the complete analysis for XPRA:SABFG
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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