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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. VP Bank AG's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was CHF119.9 Mil. VP Bank AG's average total debt for the quarter that ended in Dec. 2025 was CHF224.5 Mil. Therefore, VP Bank AG's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 53.40%.
VP Bank AG (XSWX:VPBN) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
VP Bank AG Effective Interest Rate on Debt % Related Terms
VP Bank AG Effective Interest Rate on Debt % Historical Data
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The historical data trend for VP Bank 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.
VP Bank AG Effective Interest Rate on Debt % Chart
XSWX:VPBN vs JPM, BAC, WFC: Effective Interest Rate on Debt % Comparison
For the Banks - Diversified subindustry, VP Bank 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.
VP Bank AG Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, VP Bank AG's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where VP Bank AG'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 53.40% mean?
VP Bank AG (XSWX:VPBN) has a Effective Interest Rate on Debt % of 53.40% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on VP Bank AG and its competitors.
Is VP Bank AG's Effective Interest Rate on Debt % too high?
VP Bank AG's current Effective Interest Rate on Debt % is 53.40%. Overall, VP Bank AG has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VP Bank AG's Effective Interest Rate on Debt % compare to JPM and BAC?
VP Bank AG's Effective Interest Rate on Debt % of 53.40% 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 VP Bank AG and its competitors. VP Bank AG's current Effective Interest Rate on Debt % is 53.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VP Bank AG stock overvalued right now?
Based on GuruFocus' analysis, VP Bank AG (XSWX:VPBN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF81.76, compared to a current price of CHF94.60 — trading 15.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 53.40%. VP Bank AG's overall GF Score™ is 63/100 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 VP Bank AG (XSWX:VPBN), the current Effective Interest Rate on Debt % is 53.40% 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 VP Bank AG (XSWX:VPBN) Overvalued in 2026?
Based on GuruFocus' analysis, VP Bank AG stock appears to be overvalued.
The current stock price of CHF94.60 is trading 15.7% above its estimated GF Value™ of CHF81.76.
GuruFocus considers VP Bank AG to be Modestly Overvalued.
Key valuation signals for XSWX:VPBN:
Effective Interest Rate on Debt %: 53.40%
GF Value™: CHF81.76 vs. price of CHF94.60 (15.7% above fair value)
No single metric tells the full story. See the XSWX:VPBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VP Bank AG is a private bank. It is in the business of asset management and investment advisory services for private individuals and intermediaries and is also involved in the lending business, money market, and interbank activities and trading activities. The segments in which the company operates are Liechtenstein & BVI, International, Asset Servicing, and Corporate Center. Its geographical segments are Liechtenstein, the Rest of Europe, and Other countries, of which Liechtenstein derives maximum revenue.
63GF Score
Get the complete analysis for XSWX:VPBN
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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