Spectur (ASX:SP3) Effective Interest Rate on Debt %: 5.14% (As of Dec. 2025)


What is Spectur Effective Interest Rate on Debt %?

Spectur ASX:SP3 Effective Interest Rate on Debt % is 5.14% 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. Spectur's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$0.04 Mil. Spectur's average total debt for the quarter that ended in Dec. 2025 was A$0.70 Mil. Therefore, Spectur's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 5.14%.

Spectur  (ASX:SP3) Effective Interest Rate on Debt % Explanation

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

Spectur Effective Interest Rate on Debt % Related Terms

Spectur Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Spectur'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.

Spectur Effective Interest Rate on Debt % Chart

Spectur Annual Data
Trend Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 1.05 10.03 7.94 5.12 3.74

Spectur Semi-Annual Data
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 5.33 5.02 4.60 3.21 5.14

ASX:SP3 vs ALLE, MSA, ADT: Effective Interest Rate on Debt % Comparison

For the Security & Protection Services subindustry, Spectur'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.

Spectur Effective Interest Rate on Debt % vs Business Services Industry

For the Business Services industry and Industrials sector, Spectur's Effective Interest Rate on Debt % distribution charts can be found below:

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


Spectur Effective Interest Rate on Debt % Calculation

Spectur'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  *  -0.03/( (0.837+0.767)/ 2 )
=-1  *  -0.03/0.802
=3.74 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.686 + 0.151
=0.837

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.398 + 0.369
=0.767

Spectur'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  *  -0.036/( (0.767+0.634)/ 2 )
=-1  *  -0.036/0.7005
=5.14 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.398 + 0.369
=0.767

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.259 + 0.375
=0.634

* 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 5.14% mean?
Spectur (ASX:SP3) has a Effective Interest Rate on Debt % of 5.14% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Spectur and its competitors.
Is Spectur's Effective Interest Rate on Debt % too high?
Spectur's current Effective Interest Rate on Debt % is 5.14%.
How does Spectur's Effective Interest Rate on Debt % compare to ALLE and MSA?
Spectur's Effective Interest Rate on Debt % of 5.14% can be compared against companies in the Business Services 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 Business Services company?
A good Effective Interest Rate on Debt % depends on the Business Services 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 Spectur and its competitors. Spectur's current Effective Interest Rate on Debt % is 5.14%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Spectur stock overvalued right now?
Based on GuruFocus' analysis, Spectur (ASX:SP3) is currently considered Significantly Overvalued. The stock's GF Value™ is A$0.01, compared to a current price of A$0.01 — trading 40% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.14%. 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 Spectur (ASX:SP3), the current Effective Interest Rate on Debt % is 5.14% 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.

Spectur Business Description

Address 12 Fargo Way, Welshpool, WA, AUS, 6106
Spectur Ltd provides security, environmental monitoring, and visual AI solutions to create safer, smarter, and more sustainable communities. The company designs and manufactures solar-powered, remotely connected hardware integrated with proprietary firmware, software, cloud, and web applications, delivering reliable service across Australia and New Zealand. Supported by an in-house customer service team, Spectur offers warehousing, installation, repair, and maintenance. Its platforms focus on remote solar sensing, thinking, and acting, complemented by select third-party hardware and software. Key areas include data collection, reporting, emergency warning, and security surveillance.