ReadCloud (ASX:RCL) Effective Interest Rate on Debt %: 5.01% (As of Mar. 2026)


What is ReadCloud Effective Interest Rate on Debt %?

ReadCloud ASX:RCL Effective Interest Rate on Debt % is 5.01% as of Mar. 2026. 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. ReadCloud's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was A$0.01 Mil. ReadCloud's average total debt for the quarter that ended in Mar. 2026 was A$0.20 Mil. Therefore, ReadCloud's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.01%.

ReadCloud  (ASX:RCL) Effective Interest Rate on Debt % Explanation

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

ReadCloud Effective Interest Rate on Debt % Related Terms

ReadCloud Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for ReadCloud'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.

ReadCloud Effective Interest Rate on Debt % Chart

ReadCloud Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Sep22 Sep23 Sep24 Sep25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only 2.53 1.19 0.00 20.00 5.88

ReadCloud Semi-Annual Data
Jun17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
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 31.41 4.51 2.25 6.65 5.01

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

For the Software - Application subindustry, ReadCloud'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.

ReadCloud Effective Interest Rate on Debt % vs Software Industry

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

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


ReadCloud Effective Interest Rate on Debt % Calculation

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

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Sep. 2024 )+Total Debt  (A: Sep. 2025 ))/ count )
=-1  *  -0.01/( (0.107+0.233)/ 2 )
=-1  *  -0.01/0.17
=5.88 %

where

Total Debt  (A: Sep. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.015 + 0.092
=0.107

Total Debt  (A: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.095 + 0.138
=0.233

ReadCloud's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -0.01/( (0.233+0.166)/ 2 )
=-1  *  -0.01/0.1995
=5.01 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.095 + 0.138
=0.233

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.022 + 0.144
=0.166

* 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 (Mar. 2026) 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 5.01% mean?
ReadCloud (ASX:RCL) has a Effective Interest Rate on Debt % of 5.01% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ReadCloud and its competitors.
Is ReadCloud's Effective Interest Rate on Debt % too high?
ReadCloud's current Effective Interest Rate on Debt % is 5.01%.
How does ReadCloud's Effective Interest Rate on Debt % compare to UBER and SHOP?
ReadCloud's Effective Interest Rate on Debt % of 5.01% 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 ReadCloud and its competitors. ReadCloud's current Effective Interest Rate on Debt % is 5.01%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ReadCloud stock overvalued right now?
Based on GuruFocus' analysis, ReadCloud (ASX:RCL) is currently considered Significantly Undervalued. The stock's GF Value™ is A$0.10, compared to a current price of A$0.07 — trading 34% below its estimated fair value. The current Effective Interest Rate on Debt % is 5.01%. 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 ReadCloud (ASX:RCL), the current Effective Interest Rate on Debt % is 5.01% as of Mar. 2026. 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.

ReadCloud Business Description

Address 126 Church Street, Level 1, Brighton, VIC, AUS, 3186
ReadCloud Ltd is an education technology company that offers digital e-learning solutions to secondary schools. The firm operates in two segments: eBook solutions, which is the key revenue driver, and Vocational Education and Training (VET). It provides software solutions, including eBooks, to schools within Australia. In addition, it also provides digital VET course materials and services to schools through its subsidiary Australian Institute of Education and Training Unit Trust, PKY Media Pty Ltd and Ripponlea Institute Pty Ltd, which offers over 40 VET courses and services to schools across Australia.