CABPF (CAB Payments Holdings) Effective Interest Rate on Debt %: 177.79% (As of Dec. 2025)

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CABPF CAB Payments Holdings PLC CABPF
34 GF Score
Price $1.06
GF Value $0.56
Valuation Significantly Overvalued
! 4 Warning Signs
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What is CAB Payments Holdings Effective Interest Rate on Debt %?

CAB Payments Holdings CABPF 34 Effective Interest Rate on Debt % is 177.79% as of Dec. 2025. GuruFocus rates CABPF with a GF Score™ of 34/100 and a GF Value™ of $0.56 (Significantly Overvalued). The stock has 4 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. CAB Payments Holdings's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $45.0 Mil. CAB Payments Holdings's average total debt for the quarter that ended in Dec. 2025 was $25.3 Mil. Therefore, CAB Payments Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 177.79%.


CAB Payments Holdings  (OTCPK:CABPF) Effective Interest Rate on Debt % Explanation

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


CAB Payments Holdings Effective Interest Rate on Debt % Related Terms


CAB Payments Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for CAB Payments 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.

CAB Payments Holdings Effective Interest Rate on Debt % Chart

CAB Payments Holdings Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 149.88 956.21 2,915.71 417.29 181.37

CAB Payments Holdings Semi-Annual Data
Dec20 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 3,636.93 437.41 226.17 180.52 177.79

CABPF vs JPM, BAC, WFC: Effective Interest Rate on Debt % Comparison

For the Banks - Diversified subindustry, CAB Payments 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.


CAB Payments Holdings Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, CAB Payments Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


CABPF
34GF Score
CAB Payments Holdings PLC CABPF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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CAB Payments Holdings Effective Interest Rate on Debt % Calculation

CAB Payments Holdings'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  *  -43.827/( (22.843+25.485)/ 2 )
=-1  *  -43.827/24.164
=181.37 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=22.843 + 0
=22.843

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=25.485 + 0
=25.485

CAB Payments 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: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -44.964/( (25.095+25.485)/ 2 )
=-1  *  -44.964/25.29
=177.79 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=25.095 + 0
=25.095

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=25.485 + 0
=25.485

* 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 177.79% mean?
CAB Payments Holdings (CABPF) has a Effective Interest Rate on Debt % of 177.79% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CAB Payments Holdings and its competitors.
Is CAB Payments Holdings' Effective Interest Rate on Debt % too high?
CAB Payments Holdings' current Effective Interest Rate on Debt % is 177.79%. Overall, CAB Payments Holdings has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CAB Payments Holdings' Effective Interest Rate on Debt % compare to JPM and BAC?
CAB Payments Holdings' Effective Interest Rate on Debt % of 177.79% can be compared against companies in the Banks 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 Banks company?
A good Effective Interest Rate on Debt % depends on the Banks 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 CAB Payments Holdings and its competitors. CAB Payments Holdings's current Effective Interest Rate on Debt % is 177.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAB Payments Holdings stock overvalued right now?
Based on GuruFocus' analysis, CAB Payments Holdings (CABPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.56, compared to a current price of $1.06 — trading 89.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 177.79%. CAB Payments Holdings' overall GF Score™ is 34/100 with 4 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 CAB Payments Holdings (CABPF), the current Effective Interest Rate on Debt % is 177.79% 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.

Is CAB Payments Holdings (CABPF) Overvalued in 2026?

Based on GuruFocus' analysis, CAB Payments Holdings stock appears to be overvalued. The current stock price of $1.06 is trading 89.3% above its estimated GF Value™ of $0.56. GuruFocus considers CAB Payments Holdings to be Significantly Overvalued.

Key valuation signals for CABPF:

  • Effective Interest Rate on Debt %: 177.79%
  • GF Value™: $0.56 vs. price of $1.06 (89.3% above fair value)
  • GF Score™: 34/100 with 4 warning signs

No single metric tells the full story. See the CABPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CAB Payments Holdings Business Description

Other Exchanges CABPl:UKCABP:UK2SY:Germany
Address 3 London Bridge Street, London, GBR, SE1 9SG
CAB Payments Holdings PLC offers cross-border payments and banking services for hard-to-reach markets around the world. Along with its subsidiaries, the company operates in three principal business lines, addressing various combinations of client groups, distribution networks, and services: Foreign Exchange (FX), which derives maximum revenue, Payments, and Banking Services. Foreign Exchange (FX) business provides access to clients to various markets and currencies, and enables them to trade in a way that suits their business needs, via web app, GUI, or FIX API; Payments business provides international payment solutions; and Banking Services engages in wholesale banking, providing transaction and deposit accounts, in addition to trade finance solutions.
34GF Score

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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.

$1.06
Price
$0.56
GF Value