WAG Payment Solutions (CHIX:EWGL) Effective Interest Rate on Debt %: 5.27% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:EWGL WAG Payment Solutions PLC CHIX:EWGL
61 GF Score
Price £1.00
GF Value £0.47
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is WAG Payment Solutions Effective Interest Rate on Debt %?

WAG Payment Solutions CHIX:EWGL -2.24% 61 Effective Interest Rate on Debt % is 5.27% as of Dec. 2025. GuruFocus rates CHIX:EWGL with a GF Score™ of 61/100 and a GF Value™ of £0.47 (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. WAG Payment Solutions's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was £17 Mil. WAG Payment Solutions's average total debt for the quarter that ended in Dec. 2025 was £321 Mil. Therefore, WAG Payment Solutions's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 5.27%.


WAG Payment Solutions  (CHIX:EWGl) Effective Interest Rate on Debt % Explanation

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


WAG Payment Solutions Effective Interest Rate on Debt % Related Terms


WAG Payment Solutions Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for WAG Payment Solutions'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.

WAG Payment Solutions Effective Interest Rate on Debt % Chart

WAG Payment Solutions Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 2.85 3.59 6.74 5.65 5.53

WAG Payment Solutions Semi-Annual Data
Dec18 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 5.59 6.07 5.29 5.37 5.27

CHIX:EWGL vs MSFT, ORCL, PLTR: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, WAG Payment Solutions'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.


WAG Payment Solutions Effective Interest Rate on Debt % vs Software Industry

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

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


CHIX:EWGL
61GF Score
WAG Payment Solutions PLC CHIX:EWGL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

WAG Payment Solutions Effective Interest Rate on Debt % Calculation

WAG Payment Solutions'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  *  -17.691/( (333.136+306.776)/ 2 )
=-1  *  -17.691/319.956
=5.53 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=233.413 + 99.723
=333.136

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=214.687 + 92.089
=306.776

WAG Payment Solutions'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  *  -16.928/( (335.363+306.776)/ 2 )
=-1  *  -16.928/321.0695
=5.27 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=224.706 + 110.657
=335.363

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=214.687 + 92.089
=306.776

* 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 5.27% mean?
WAG Payment Solutions (CHIX:EWGL) has a Effective Interest Rate on Debt % of 5.27% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on WAG Payment Solutions and its competitors.
Is WAG Payment Solutions' Effective Interest Rate on Debt % too high?
WAG Payment Solutions' current Effective Interest Rate on Debt % is 5.27%. Overall, WAG Payment Solutions has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WAG Payment Solutions' Effective Interest Rate on Debt % compare to MSFT and ORCL?
WAG Payment Solutions' Effective Interest Rate on Debt % of 5.27% 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 WAG Payment Solutions and its competitors. WAG Payment Solutions's current Effective Interest Rate on Debt % is 5.27%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WAG Payment Solutions stock overvalued right now?
Based on GuruFocus' analysis, WAG Payment Solutions (CHIX:EWGL) is currently considered Significantly Overvalued. The stock's GF Value™ is £0.47, compared to a current price of £1.00 — trading 113.4% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.27%. WAG Payment Solutions' overall GF Score™ is 61/100 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 WAG Payment Solutions (CHIX:EWGL), the current Effective Interest Rate on Debt % is 5.27% 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 WAG Payment Solutions (CHIX:EWGL) Overvalued in 2026?

Based on GuruFocus' analysis, WAG Payment Solutions stock appears to be overvalued. The current stock price of £1.00 is trading 113.4% above its estimated GF Value™ of £0.47. GuruFocus considers WAG Payment Solutions to be Significantly Overvalued.

Key valuation signals for CHIX:EWGL:

  • Effective Interest Rate on Debt %: 5.27%
  • GF Value™: £0.47 vs. price of £1.00 (113.4% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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


WAG Payment Solutions Business Description

Address 1 Albemarle Street, Third Floor (East), Albemarle House, London, GBR, W1S 4HA
WAG Payment Solutions PLC operates as a pan-European payments and mobility platform focused on the commercial road transport sector. Its offerings include payment solutions and services designed to support operations in the transport industry. The company is organised into two operating segments: Payment solutions and Mobility solutions. Payment solutions represent the company's revenues, which are based on recurring and frequent transactional payments. The segment includes Energy and Toll payments. Mobility solutions represent a number of services, which are either subscription based or subsequently sold to customers using Payment solutions products. The majority of revenue is derived from the Payment solutions segment. Geographically, it generates the maximum revenue from Poland.
61GF Score

Get the complete analysis for CHIX:EWGL

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£1.00
Price
£0.47
GF Value