Liechtensteinische Landesbank AG (XSWX:LLBN) Effective Interest Rate on Debt %: 6.34% (As of Dec. 2025)


XSWX:LLBN Liechtensteinische Landesbank AG XSWX:LLBN
59 GF Score
Price CHF106.00
GF Value CHF79.88
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Liechtensteinische Landesbank AG Effective Interest Rate on Debt %?

Liechtensteinische Landesbank AG XSWX:LLBN +1.92% 59 Effective Interest Rate on Debt % is 6.34% as of Dec. 2025. GuruFocus rates XSWX:LLBN with a GF Score™ of 59/100 and a GF Value™ of CHF79.88 (Significantly Overvalued). The stock has 7 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. Liechtensteinische Landesbank AG's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was CHF222.0 Mil. Liechtensteinische Landesbank AG's average total debt for the quarter that ended in Dec. 2025 was CHF3,500.9 Mil. Therefore, Liechtensteinische Landesbank AG's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 6.34%.


Liechtensteinische Landesbank AG  (XSWX:LLBN) Effective Interest Rate on Debt % Explanation

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


Liechtensteinische Landesbank AG Effective Interest Rate on Debt % Related Terms


Liechtensteinische Landesbank AG Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Liechtensteinische Landesbank AG'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.

Liechtensteinische Landesbank AG Effective Interest Rate on Debt % Chart

Liechtensteinische Landesbank AG 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 2.30 4.26 12.18 12.82 7.31

Liechtensteinische Landesbank AG Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 14.31 14.45 11.68 8.37 6.34

Liechtensteinische Landesbank AG Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Liechtensteinische Landesbank AG'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.


Liechtensteinische Landesbank AG Effective Interest Rate on Debt % vs Banks Industry

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

* The bar in red indicates where Liechtensteinische Landesbank AG's Effective Interest Rate on Debt % falls into.


XSWX:LLBN
59GF Score
Liechtensteinische Landesbank AG XSWX:LLBN
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Liechtensteinische Landesbank AG Effective Interest Rate on Debt % Calculation

Liechtensteinische Landesbank AG'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  *  -244.951/( (3048.2+3650.512)/ 2 )
=-1  *  -244.951/3349.356
=7.31 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3048.2 + 0
=3048.2

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3650.512 + 0
=3650.512

Liechtensteinische Landesbank AG'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: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -221.96/( (3351.265+3650.512)/ 2 )
=-1  *  -221.96/3500.8885
=6.34 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3351.265 + 0
=3351.265

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3650.512 + 0
=3650.512

* 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 6.34% mean?
Liechtensteinische Landesbank AG (XSWX:LLBN) has a Effective Interest Rate on Debt % of 6.34% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Liechtensteinische Landesbank AG and its competitors.
Is Liechtensteinische Landesbank AG's Effective Interest Rate on Debt % too high?
Liechtensteinische Landesbank AG's current Effective Interest Rate on Debt % is 6.34%. Overall, Liechtensteinische Landesbank AG has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Liechtensteinische Landesbank AG's Effective Interest Rate on Debt % compare to competitors?
Liechtensteinische Landesbank AG's Effective Interest Rate on Debt % of 6.34% 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 Liechtensteinische Landesbank AG and its competitors. Liechtensteinische Landesbank AG's current Effective Interest Rate on Debt % is 6.34%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liechtensteinische Landesbank AG stock overvalued right now?
Based on GuruFocus' analysis, Liechtensteinische Landesbank AG (XSWX:LLBN) is currently considered Significantly Overvalued. The stock's GF Value™ is CHF79.88, compared to a current price of CHF106.00 — trading 32.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 6.34%. Liechtensteinische Landesbank AG's overall GF Score™ is 59/100 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 Liechtensteinische Landesbank AG (XSWX:LLBN), the current Effective Interest Rate on Debt % is 6.34% 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 Liechtensteinische Landesbank AG (XSWX:LLBN) Overvalued in 2026?

Based on GuruFocus' analysis, Liechtensteinische Landesbank AG stock appears to be overvalued. The current stock price of CHF106.00 is trading 32.7% above its estimated GF Value™ of CHF79.88. GuruFocus considers Liechtensteinische Landesbank AG to be Significantly Overvalued.

Key valuation signals for XSWX:LLBN:

  • Effective Interest Rate on Debt %: 6.34%
  • GF Value™: CHF79.88 vs. price of CHF106.00 (32.7% above fair value)
  • GF Score™: 59/100 with 7 warning signs

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


Liechtensteinische Landesbank AG Business Description

Other Exchanges LLBNz:UK0RP8:UKLLS1:Germany
Address Stadtle 44, P.O. Box 384, Vaduz, LIE, 9490
Liechtensteinische Landesbank AG is a universal banking and financial services group. The bank business activities are divided into the following segments: Retail & Corporate Banking and International Wealth Management. The companies product and services portfolio includes various financial services, such as payment processing, lending, mortgage, individual pension fund solutions, wealth planning, taxation, asset management, and investment advisory, among others. The company generates a majority of its revenue from the Retail & Corporate Banking segment and more than half of its revenue is earned in Liechtenstein and the rest from Switzerland and Austria.
59GF Score

Get the complete analysis for XSWX:LLBN

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

CHF106.00
Price
CHF79.88
GF Value