Stepchange Holdings (ASX:STH) Effective Interest Rate on Debt %: 5.44% (As of Dec. 2025)


ASX:STH Stepchange Holdings Ltd ASX:STH
24 GF Score
Price A$0.12
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What is Stepchange Holdings Effective Interest Rate on Debt %?

Stepchange Holdings ASX:STH 24 Effective Interest Rate on Debt % is 5.44% as of Dec. 2025. GuruFocus rates ASX:STH with a GF Score™ of 24/100. The stock has 1 warning sign 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. Stepchange Holdings's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$0.00 Mil. Stepchange Holdings's average total debt for the quarter that ended in Dec. 2025 was A$0.07 Mil. Therefore, Stepchange Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 5.44%.

Stepchange Holdings  (ASX:STH) Effective Interest Rate on Debt % Explanation

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

Stepchange Holdings Effective Interest Rate on Debt % Related Terms

Stepchange Holdings Effective Interest Rate on Debt % Historical Data

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The historical data trend for Stepchange Holdings'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.

Stepchange Holdings Effective Interest Rate on Debt % Chart

Stepchange Holdings Annual Data
Trend Jun22 Jun23
Effective Interest Rate on Debt %
0.00 0.00

Stepchange Holdings Semi-Annual Data
Jun22 Jun23 Dec23 Jun24 Dec24 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 5.44

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

For the Software - Application subindustry, Stepchange Holdings'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.

Stepchange Holdings Effective Interest Rate on Debt % vs Software Industry

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

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


ASX:STH
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Stepchange Holdings Ltd ASX:STH
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Stepchange Holdings Effective Interest Rate on Debt % Calculation

Stepchange Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2023 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2022 )+Total Debt  (A: Jun. 2023 ))/ count )
=-1  *  0/( (0.303+0.228)/ 2 )
=-1  *  0/0.2655
=0.00 %

where

Total Debt  (A: Jun. 2022 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.233 + 0.07
=0.303

Total Debt  (A: Jun. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.158 + 0.07
=0.228

Stepchange Holdings'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: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -0.004/( (0.117+0.03)/ 2 )
=-1  *  -0.004/0.0735
=5.44 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.03 + 0.087
=0.117

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0.03
=0.03

* 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 5.44% mean?
Stepchange Holdings (ASX:STH) has a Effective Interest Rate on Debt % of 5.44% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Stepchange Holdings and its competitors.
Is Stepchange Holdings' Effective Interest Rate on Debt % too high?
Stepchange Holdings' current Effective Interest Rate on Debt % is 5.44%. Overall, Stepchange Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Stepchange Holdings' Effective Interest Rate on Debt % compare to UBER and SHOP?
Stepchange Holdings' Effective Interest Rate on Debt % of 5.44% 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 Stepchange Holdings and its competitors. Stepchange Holdings's current Effective Interest Rate on Debt % is 5.44%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stepchange Holdings stock overvalued right now?
Stepchange Holdings (ASX:STH) has a current Effective Interest Rate on Debt % of 5.44%. The current Effective Interest Rate on Debt % is 5.44%. Stepchange Holdings' overall GF Score™ is 24/100 with 1 warning sign to review. 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 Stepchange Holdings (ASX:STH), the current Effective Interest Rate on Debt % is 5.44% 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.

Stepchange Holdings Business Description

Address c/- MPH Lawyers, 580 Hay Street, Suite 183, Level 6, Perth, WA, AUS, 6000
Stepchange Holdings Ltd is engaged in providing software services. It delivers end-to-end SAP ERP and digital transformation service. Its services include: Strategic Alignment and Execution; Program and Project Management; Change Management; and Business Analysis.
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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