JCurve Solutions (ASX:JCS) Effective Interest Rate on Debt %: 27.78% (As of Dec. 2025)


What is JCurve Solutions Effective Interest Rate on Debt %?

JCurve Solutions ASX:JCS Effective Interest Rate on Debt % is 27.78% as of Dec. 2025. The stock has 3 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. JCurve Solutions's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$0.02 Mil. JCurve Solutions's average total debt for the quarter that ended in Dec. 2025 was A$0.07 Mil. Therefore, JCurve Solutions's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 27.78%.

JCurve Solutions  (ASX:JCS) Effective Interest Rate on Debt % Explanation

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

JCurve Solutions Effective Interest Rate on Debt % Related Terms

JCurve Solutions Effective Interest Rate on Debt % Historical Data

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The historical data trend for JCurve Solutions'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.

JCurve Solutions Effective Interest Rate on Debt % Chart

JCurve Solutions Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.34 5.90 4.35 6.10 7.99

JCurve Solutions 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 6.00 6.57 7.08 9.58 27.78

ASX:JCS vs UBER, SHOP, CRM: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, JCurve Solutions'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.

JCurve Solutions Effective Interest Rate on Debt % vs Software Industry

For the Software industry and Technology sector, JCurve Solutions's Effective Interest Rate on Debt % distribution charts can be found below:

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


JCurve Solutions Effective Interest Rate on Debt % Calculation

JCurve Solutions's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -0.032/( (0.666+0.135)/ 2 )
=-1  *  -0.032/0.4005
=7.99 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.132 + 0.534
=0.666

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0.135
=0.135

JCurve Solutions'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  *  -0.02/( (0.135+0.009)/ 2 )
=-1  *  -0.02/0.072
=27.78 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0.135
=0.135

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0.009
=0.009

* 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 27.78% mean?
JCurve Solutions (ASX:JCS) has a Effective Interest Rate on Debt % of 27.78% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on JCurve Solutions and its competitors.
Is JCurve Solutions' Effective Interest Rate on Debt % too high?
JCurve Solutions' current Effective Interest Rate on Debt % is 27.78%.
How does JCurve Solutions' Effective Interest Rate on Debt % compare to UBER and SHOP?
JCurve Solutions' Effective Interest Rate on Debt % of 27.78% can be compared against companies in the Software 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 Software company?
A good Effective Interest Rate on Debt % depends on the Software 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 JCurve Solutions and its competitors. JCurve Solutions's current Effective Interest Rate on Debt % is 27.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JCurve Solutions stock overvalued right now?
Based on GuruFocus' analysis, JCurve Solutions (ASX:JCS) is currently considered Significantly Overvalued. The stock's GF Value™ is A$0.02, compared to a current price of A$0.03 — trading 45% above its estimated fair value. The current Effective Interest Rate on Debt % is 27.78%. 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 JCurve Solutions (ASX:JCS), the current Effective Interest Rate on Debt % is 27.78% 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.

JCurve Solutions Business Description

Address c/- Automic Pty Ltd, 126 Phillip Street, Level 5, Deutsche Bank Building, Sydney, NSW, AUS, 2000
JCurve Solutions Ltd provides cloud-based performance software to meet the business management needs of growing small and medium businesses in Australia, New Zealand, and internationally. The company's operating segments include Enterprise resource planning (ERP) solutions, Telecommunications Expense Management, Quicta Solutions, and others. The company generates maximum revenue from the Enterprise resource planning (ERP) solutions segment.