Amen Bank (XTUN:AB) Effective Interest Rate on Debt %: 66.83% (As of Jun. 2023)


XTUN:AB Amen Bank SA XTUN:AB
26 GF Score
Price TND87.50
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What is Amen Bank Effective Interest Rate on Debt %?

Amen Bank XTUN:AB 26 Effective Interest Rate on Debt % is 66.83% as of Jun. 2023. GuruFocus rates XTUN:AB with a GF Score™ of 26/100.

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. Amen Bank's annualized positive value of Interest Expense for the quarter that ended in Jun. 2023 was TND561.9 Mil. Amen Bank's average total debt for the quarter that ended in Jun. 2023 was TND840.8 Mil. Therefore, Amen Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2023 was 66.83%.

Amen Bank  (XTUN:AB) Effective Interest Rate on Debt % Explanation

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

Amen Bank Effective Interest Rate on Debt % Related Terms

Amen Bank Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Amen 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.

Amen Bank Effective Interest Rate on Debt % Chart

Amen Bank Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 38.41 47.83 41.52 36.59 47.18

Amen Bank Semi-Annual Data
Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23
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 38.37 40.31 45.46 57.89 66.83

XTUN:AB vs USB, PNC, TFC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Amen 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.

Amen Bank Effective Interest Rate on Debt % vs Banks Industry

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

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


XTUN:AB
26GF Score
Amen Bank SA XTUN:AB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Amen Bank Effective Interest Rate on Debt % Calculation

Amen Bank's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2022 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2021 )+Total Debt  (A: Dec. 2022 ))/ count )
=-1  *  -473.781/( (1093.483+914.816)/ 2 )
=-1  *  -473.781/1004.1495
=47.18 %

where

Total Debt  (A: Dec. 2021 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1093.483 + 0
=1093.483

Total Debt  (A: Dec. 2022 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=914.816 + 0
=914.816

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

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2022 )+Total Debt  (Q: Jun. 2023 ))/ count )
=-1  *  -561.892/( (914.816+766.842)/ 2 )
=-1  *  -561.892/840.829
=66.83 %

where

Total Debt  (Q: Dec. 2022 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=914.816 + 0
=914.816

Total Debt  (Q: Jun. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=766.842 + 0
=766.842

* 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 (Jun. 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 66.83% mean?
Amen Bank (XTUN:AB) has a Effective Interest Rate on Debt % of 66.83% as of Jun. 2023. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Amen Bank and its competitors.
Is Amen Bank's Effective Interest Rate on Debt % too high?
Amen Bank's current Effective Interest Rate on Debt % is 66.83%. Overall, Amen Bank has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Amen Bank's Effective Interest Rate on Debt % compare to USB and PNC?
Amen Bank's Effective Interest Rate on Debt % of 66.83% 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 Amen Bank and its competitors. Amen Bank's current Effective Interest Rate on Debt % is 66.83%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amen Bank stock overvalued right now?
Amen Bank (XTUN:AB) has a current Effective Interest Rate on Debt % of 66.83%. The current Effective Interest Rate on Debt % is 66.83%. Amen Bank's overall GF Score™ is 26/100. 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 Amen Bank (XTUN:AB), the current Effective Interest Rate on Debt % is 66.83% as of Jun. 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.

Amen Bank Business Description

Address Avenue Mohamed V, Tunis, TUN, 1002
Amen Bank SA provides banking services. It provides consulting and wealth management-related assistance, financial management, fund management, and advisory services to individuals and businesses.
26GF Score

Get the complete analysis for XTUN:AB

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

TND87.50
Price