BNAI (Brand Engagement Network) Effective Interest Rate on Debt %: 12.28% (As of Mar. 2026)

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BNAI Brand Engagement Network Inc BNAI
8 GF Score
Price $13.54
! 3 Warning Signs
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What is Brand Engagement Network Effective Interest Rate on Debt %?

Brand Engagement Network BNAI +11.95% 8 Effective Interest Rate on Debt % is 12.28% as of Mar. 2026. GuruFocus rates BNAI with a GF Score™ of 8/100. 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. Brand Engagement Network's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0.23 Mil. Brand Engagement Network's average total debt for the quarter that ended in Mar. 2026 was $1.89 Mil. Therefore, Brand Engagement Network's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 12.28%.


Brand Engagement Network  (NAS:BNAI) Effective Interest Rate on Debt % Explanation

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


Brand Engagement Network Effective Interest Rate on Debt % Related Terms


Brand Engagement Network Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Brand Engagement Network'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.

Brand Engagement Network Effective Interest Rate on Debt % Chart

Brand Engagement Network Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
0.00 0.00 4.09 8.64 14.34

Brand Engagement Network Quarterly Data
Dec21 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 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 17.25 2.95 4.53 26.99 12.28

BNAI vs RPMT, AGPU, GOAI: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, Brand Engagement Network'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.


Brand Engagement Network Effective Interest Rate on Debt % vs Software Industry

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

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


BNAI
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Brand Engagement Network Inc BNAI
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Brand Engagement Network Effective Interest Rate on Debt % Calculation

Brand Engagement Network's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -0.41/( (3.305+2.412)/ 2 )
=-1  *  -0.41/2.8585
=14.34 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.336 + 2.969
=3.305

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.31 + 2.102
=2.412

Brand Engagement Network'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: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -0.232/( (2.412+1.368)/ 2 )
=-1  *  -0.232/1.89
=12.28 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.31 + 2.102
=2.412

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.289 + 1.079
=1.368

* 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 four times the quarterly (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 12.28% mean?
Brand Engagement Network (BNAI) has a Effective Interest Rate on Debt % of 12.28% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Brand Engagement Network and its competitors.
Is Brand Engagement Network's Effective Interest Rate on Debt % too high?
Brand Engagement Network's current Effective Interest Rate on Debt % is 12.28%. Overall, Brand Engagement Network has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Brand Engagement Network's Effective Interest Rate on Debt % compare to RPMT and AGPU?
Brand Engagement Network's Effective Interest Rate on Debt % of 12.28% 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 Brand Engagement Network and its competitors. Brand Engagement Network's current Effective Interest Rate on Debt % is 12.28%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Brand Engagement Network stock overvalued right now?
Brand Engagement Network (BNAI) has a current Effective Interest Rate on Debt % of 12.28%. The current Effective Interest Rate on Debt % is 12.28%. Brand Engagement Network's overall GF Score™ is 8/100 with 3 warning signs 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 Brand Engagement Network (BNAI), the current Effective Interest Rate on Debt % is 12.28% 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.

Brand Engagement Network Business Description

Address 300 Delaware Avenue, Suite 210, Wilmington, DE, USA, 19801
Brand Engagement Network Inc is a generative AI (GenAI) company specializing in conversational AI solutions. Through its secure, human-like AI agents, available in different modalities, the company seeks to transform consumer engagement and elevate customer experience, productivity, and business performance.
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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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