CLOQ (Cyberloq Technologies) Effective Interest Rate on Debt %: 5.76% (As of Mar. 2026)

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CLOQ Cyberloq Technologies Inc CLOQ
20 GF Score
Price $0.18
! 4 Warning Signs
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What is Cyberloq Technologies Effective Interest Rate on Debt %?

Cyberloq Technologies CLOQ +4.72% 20 Effective Interest Rate on Debt % is 5.76% as of Mar. 2026. GuruFocus rates CLOQ with a GF Score™ of 20/100. 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. Cyberloq Technologies's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0.20 Mil. Cyberloq Technologies's average total debt for the quarter that ended in Mar. 2026 was $3.40 Mil. Therefore, Cyberloq Technologies's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.76%.


Cyberloq Technologies  (OTCPK:CLOQ) Effective Interest Rate on Debt % Explanation

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


Cyberloq Technologies Effective Interest Rate on Debt % Related Terms


Cyberloq Technologies Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Cyberloq Technologies'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.

Cyberloq Technologies Effective Interest Rate on Debt % Chart

Cyberloq Technologies Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.31 36.89 130.24 14.60 12.98

Cyberloq Technologies Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.06 12.28 13.02 16.29 5.76

CLOQ vs YQAI, SDCH, CISO: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, Cyberloq Technologies'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.


Cyberloq Technologies Effective Interest Rate on Debt % vs Software Industry

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

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


CLOQ
20GF Score
Cyberloq Technologies Inc CLOQ
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Cyberloq Technologies Effective Interest Rate on Debt % Calculation

Cyberloq Technologies'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  *  -0.38/( (2.454+3.402)/ 2 )
=-1  *  -0.38/2.928
=12.98 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.03 + 2.424
=2.454

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.03 + 3.372
=3.402

Cyberloq Technologies'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  *  -0.196/( (3.402+3.402)/ 2 )
=-1  *  -0.196/3.402
=5.76 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.03 + 3.372
=3.402

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.03 + 3.372
=3.402

* 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 5.76% mean?
Cyberloq Technologies (CLOQ) has a Effective Interest Rate on Debt % of 5.76% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Cyberloq Technologies and its competitors.
Is Cyberloq Technologies' Effective Interest Rate on Debt % too high?
Cyberloq Technologies' current Effective Interest Rate on Debt % is 5.76%. Overall, Cyberloq Technologies has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.
How does Cyberloq Technologies' Effective Interest Rate on Debt % compare to YQAI and SDCH?
Cyberloq Technologies' Effective Interest Rate on Debt % of 5.76% 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 Cyberloq Technologies and its competitors. Cyberloq Technologies's current Effective Interest Rate on Debt % is 5.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cyberloq Technologies stock overvalued right now?
Cyberloq Technologies (CLOQ) has a current Effective Interest Rate on Debt % of 5.76%. The current Effective Interest Rate on Debt % is 5.76%. Cyberloq Technologies' overall GF Score™ is 20/100 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 Cyberloq Technologies (CLOQ), the current Effective Interest Rate on Debt % is 5.76% 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.

Cyberloq Technologies Business Description

Address 4837 Swift Road, Suite 210-1, Sarasota, FL, USA, 34231
Cyberloq Technologies Inc is a development-stage technology company engaged in fraud prevention and credit management. The Company offers a proprietary software platform branded as CyberloQ which is a banking fraud prevention technology that is offered to institutional clients in order to combat fraudulent transactions and unauthorized access to customer accounts. The Company also offers a web-based proprietary software platform under the brand name TurnScor which allows customers to monitor and manage their credit from the privacy of their own homes. The Company derives its revenue from development, customization and user fees for the CyberloQ banking fraud technology products, including CyberloQ Vault, and from licensing fees for the TurnScor product.
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