Zhongyuan Bank Co (HKSE:01216) Interest Expense: HK$-25,138 Mil (TTM As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

HKSE:01216 Zhongyuan Bank Co Ltd HKSE:01216
43 GF Score
Price HK$0.30
GF Value HK$0.36
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Zhongyuan Bank Co Interest Expense?

Zhongyuan Bank Co HKSE:01216 +1.72% 43 Interest Expense is HK$-25,138 Mil as of Dec. 2025. GuruFocus rates HKSE:01216 with a GF Score™ of 43/100 and a GF Value™ of HK$0.36 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Zhongyuan Bank Co's interest expense for the six months ended in Dec. 2025 was HK$ -12,208 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was HK$-25,138 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Zhongyuan Bank Co's Operating Income for the six months ended in Dec. 2025 was HK$ Mil. Zhongyuan Bank Co's Interest Expense for the six months ended in Dec. 2025 was HK$ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Zhongyuan Bank Co Interest Expense Historical Data

* Premium members only.

The historical data trend for Zhongyuan Bank Co's Interest Expense 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.

Zhongyuan Bank Co Interest Expense Chart

Zhongyuan Bank Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -18,632.31 -25,009.02 -31,145.57 -28,311.19 -25,275.67

Zhongyuan Bank Co Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Interest Expense 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 -15,563.01 -14,754.21 -13,678.57 -12,929.35 -12,208.32
HKSE:01216
43GF Score
Zhongyuan Bank Co Ltd HKSE:01216
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Zhongyuan Bank Co Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was HK$-25,138 Mil.

* 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of HK$-25,138 Mil mean?
Zhongyuan Bank Co (HKSE:01216) has a Interest Expense of HK$-25,138 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Zhongyuan Bank Co and its competitors.
Is Zhongyuan Bank Co's Interest Expense too high?
Zhongyuan Bank Co's current Interest Expense is HK$-25,138 Mil. Overall, Zhongyuan Bank Co has a GF Score™ of 43/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Zhongyuan Bank Co's Interest Expense compare to competitors?
Zhongyuan Bank Co's Interest Expense of HK$-25,138 Mil 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 Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Zhongyuan Bank Co and its competitors. Zhongyuan Bank Co's current Interest Expense is HK$-25,138 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zhongyuan Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Zhongyuan Bank Co (HKSE:01216) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$0.36, compared to a current price of HK$0.30 — trading 18.1% below its estimated fair value. The current Interest Expense is HK$-25,138 Mil. Zhongyuan Bank Co's overall GF Score™ is 43/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Zhongyuan Bank Co (HKSE:01216), the current Interest Expense is HK$-25,138 Mil 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 Zhongyuan Bank Co (HKSE:01216) Overvalued in 2026?

Based on GuruFocus' analysis, Zhongyuan Bank Co stock appears to be undervalued. The current stock price of HK$0.30 is trading 18.1% below its estimated GF Value™ of HK$0.36. GuruFocus considers Zhongyuan Bank Co to be Modestly Undervalued.

Key valuation signals for HKSE:01216:

  • Interest Expense: HK$-25,138 Mil
  • GF Value™: HK$0.36 vs. price of HK$0.30 (18.1% below fair value)
  • GF Score™: 43/100 with 3 warning signs

No single metric tells the full story. See the HKSE:01216 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Zhongyuan Bank Co Business Description

Address No. 9 Waihuan Road, Zhengdong New District, Financial Island, Henan Province, Zhengzhou, CHN
Zhongyuan Bank Co Ltd is engaged in the provision of corporate banking services. The business segments of the company are the Corporate banking segment, which represents the provision of a range of financial products and services to corporations, government agencies and financial institutions; The retail banking segment represents the provision of a range of financial products and services to retail customers; The financial markets business segment covers the Group's financial markets business operations. The financial markets business enters into inter-bank money market transactions, repurchase transactions, and investments; and Other segments. The company generates the majority of its revenue from the Corporate Banking segment.
43GF Score

Get the complete analysis for HKSE:01216

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$0.30
Price
HK$0.36
GF Value