CCEL (Cryo-Cell International) Effective Interest Rate on Debt %: 17.97% (As of May. 2026)

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CCEL Cryo-Cell International Inc CCEL
58 GF Score
Price $3.70
GF Value $5.45
Valuation Possible Value Trap
! 4 Warning Signs
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What is Cryo-Cell International Effective Interest Rate on Debt %?

Cryo-Cell International CCEL +3.93% 58 Effective Interest Rate on Debt % is 17.97% as of May. 2026. GuruFocus rates CCEL with a GF Score™ of 58/100 and a GF Value™ of $5.45 (Possible Value Trap). 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. Cryo-Cell International's annualized positive value of Interest Expense for the quarter that ended in May. 2026 was $1.77 Mil. Cryo-Cell International's average total debt for the quarter that ended in May. 2026 was $9.84 Mil. Therefore, Cryo-Cell International's annualized Effective Interest Rate on Debt % for the quarter that ended in May. 2026 was 17.97%.


Cryo-Cell International  (AMEX:CCEL) Effective Interest Rate on Debt % Explanation

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


Cryo-Cell International Effective Interest Rate on Debt % Related Terms


Cryo-Cell International Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Cryo-Cell International'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.

Cryo-Cell International Effective Interest Rate on Debt % Chart

Cryo-Cell International Annual Data
Trend Nov16 Nov17 Nov18 Nov19 Nov20 Nov21 Nov22 Nov23 Nov24 Nov25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.43 21.09 10.99 15.65 16.87

Cryo-Cell International Quarterly Data
Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
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 Premium Member Only Premium Member Only Premium Member Only 14.88 15.17 15.96 16.63 17.97

CCEL vs EHSI, PIII, CCM: Effective Interest Rate on Debt % Comparison

For the Medical Care Facilities subindustry, Cryo-Cell International'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.


Cryo-Cell International Effective Interest Rate on Debt % vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Cryo-Cell International's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Cryo-Cell International's Effective Interest Rate on Debt % falls into.


CCEL
58GF Score
Cryo-Cell International Inc CCEL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Cryo-Cell International Effective Interest Rate on Debt % Calculation

Cryo-Cell International's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Nov. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Nov. 2024 )+Total Debt  (A: Nov. 2025 ))/ count )
=-1  *  -2.066/( (12.934+11.559)/ 2 )
=-1  *  -2.066/12.2465
=16.87 %

where

Total Debt  (A: Nov. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.815 + 4.119
=12.934

Total Debt  (A: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.645 + 2.914
=11.559

Cryo-Cell International's annualized Effective Interest Rate on Debt % for the quarter that ended in May. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Feb. 2026 )+Total Debt  (Q: May. 2026 ))/ count )
=-1  *  -1.768/( (10.713+8.96)/ 2 )
=-1  *  -1.768/9.8365
=17.97 %

where

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.496 + 2.217
=10.713

Total Debt  (Q: May. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.343 + 0.617
=8.96

* 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 (May. 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 17.97% mean?
Cryo-Cell International (CCEL) has a Effective Interest Rate on Debt % of 17.97% as of May. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Cryo-Cell International and its competitors.
Is Cryo-Cell International's Effective Interest Rate on Debt % too high?
Cryo-Cell International's current Effective Interest Rate on Debt % is 17.97%. Overall, Cryo-Cell International has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Cryo-Cell International's Effective Interest Rate on Debt % compare to EHSI and PIII?
Cryo-Cell International's Effective Interest Rate on Debt % of 17.97% can be compared against companies in the Healthcare Providers & 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 Healthcare Providers & Services company?
A good Effective Interest Rate on Debt % depends on the Healthcare Providers & 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 Cryo-Cell International and its competitors. Cryo-Cell International's current Effective Interest Rate on Debt % is 17.97%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cryo-Cell International stock overvalued right now?
Based on GuruFocus' analysis, Cryo-Cell International (CCEL) is currently considered Possible Value Trap. The stock's GF Value™ is $5.45, compared to a current price of $3.70 — trading 32.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 17.97%. Cryo-Cell International's overall GF Score™ is 58/100 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 Cryo-Cell International (CCEL), the current Effective Interest Rate on Debt % is 17.97% as of May. 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.

Is Cryo-Cell International (CCEL) Overvalued in 2026?

Based on GuruFocus' analysis, Cryo-Cell International stock appears to be undervalued. The current stock price of $3.70 is trading 32.1% below its estimated GF Value™ of $5.45. GuruFocus considers Cryo-Cell International to be Possible Value Trap.

Key valuation signals for CCEL:

  • Effective Interest Rate on Debt %: 17.97%
  • GF Value™: $5.45 vs. price of $3.70 (32.1% below fair value)
  • GF Score™: 58/100 with 4 warning signs

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


Cryo-Cell International Business Description

Other Exchanges ZCY:Germany
Address 700 Brooker Creek Boulevard, Suite 1800, Oldsmar, FL, USA, 34677
Cryo-Cell International Inc is engaged in cellular processing and cryogenic storage. The company is organized into three reportable segments namely cellular processing and cryogenic storage, with a focus on the collection and preservation of umbilical cord blood and tissue stem cells for family use and the manufacturing of PrepaCyte CB units segment, which is a processing technology used to process umbilical cord blood stem cells. The cellular processing and cryogenic storage of umbilical cord blood stem cells for public use. The company generates maximum revenue from Cellular processing and Cryogenic storage and it derives revenue from processing and testing fees and Storage segment.
58GF 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.

$3.70
Price
$5.45
GF Value