CMHSF (Comprehensive Healthcare Systems) Effective Interest Rate on Debt %: 7.16% (As of Mar. 2026)


CMHSF Comprehensive Healthcare Systems Inc CMHSF
24 GF Score
Price $0.35
GF Value $0.08
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Comprehensive Healthcare Systems Effective Interest Rate on Debt %?

Comprehensive Healthcare Systems CMHSF 24 Effective Interest Rate on Debt % is 7.16% as of Mar. 2026. GuruFocus rates CMHSF with a GF Score™ of 24/100 and a GF Value™ of $0.08 (Significantly Overvalued). The stock has 5 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. Comprehensive Healthcare Systems's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0.18 Mil. Comprehensive Healthcare Systems's average total debt for the quarter that ended in Mar. 2026 was $2.57 Mil. Therefore, Comprehensive Healthcare Systems's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 7.16%.


Comprehensive Healthcare Systems  (OTCPK:CMHSF) Effective Interest Rate on Debt % Explanation

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


Comprehensive Healthcare Systems Effective Interest Rate on Debt % Related Terms


Comprehensive Healthcare Systems Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Comprehensive Healthcare Systems'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.

Comprehensive Healthcare Systems Effective Interest Rate on Debt % Chart

Comprehensive Healthcare Systems Annual Data
Trend Jan19 Jan20 Jan21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.00 13.29 12.36 13.26 15.19

Comprehensive Healthcare Systems Quarterly Data
Apr21 Jul21 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 27.76 13.28 10.72 9.78 7.16

CMHSF vs VEEV, BTSG, TEM: Effective Interest Rate on Debt % Comparison

For the Health Information Services subindustry, Comprehensive Healthcare Systems'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.


Comprehensive Healthcare Systems Effective Interest Rate on Debt % vs Healthcare Providers & Services Industry

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

* The bar in red indicates where Comprehensive Healthcare Systems's Effective Interest Rate on Debt % falls into.


CMHSF
24GF Score
Comprehensive Healthcare Systems Inc CMHSF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Comprehensive Healthcare Systems Effective Interest Rate on Debt % Calculation

Comprehensive Healthcare Systems'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  *  -0.393/( (2.5+2.675)/ 2 )
=-1  *  -0.393/2.5875
=15.19 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.565 + 1.935
=2.5

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.279 + 2.396
=2.675

Comprehensive Healthcare Systems'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  *  -0.184/( (2.675+2.462)/ 2 )
=-1  *  -0.184/2.5685
=7.16 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.279 + 2.396
=2.675

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.438 + 1.024
=2.462

* 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 7.16% mean?
Comprehensive Healthcare Systems (CMHSF) has a Effective Interest Rate on Debt % of 7.16% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Comprehensive Healthcare Systems and its competitors.
Is Comprehensive Healthcare Systems' Effective Interest Rate on Debt % too high?
Comprehensive Healthcare Systems' current Effective Interest Rate on Debt % is 7.16%. Overall, Comprehensive Healthcare Systems has a GF Score™ of 24/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Comprehensive Healthcare Systems' Effective Interest Rate on Debt % compare to VEEV and BTSG?
Comprehensive Healthcare Systems' Effective Interest Rate on Debt % of 7.16% 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 Comprehensive Healthcare Systems and its competitors. Comprehensive Healthcare Systems's current Effective Interest Rate on Debt % is 7.16%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Comprehensive Healthcare Systems stock overvalued right now?
Based on GuruFocus' analysis, Comprehensive Healthcare Systems (CMHSF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.08, compared to a current price of $0.35 — trading 331.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 7.16%. Comprehensive Healthcare Systems' overall GF Score™ is 24/100 with 5 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 Comprehensive Healthcare Systems (CMHSF), the current Effective Interest Rate on Debt % is 7.16% 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.

Is Comprehensive Healthcare Systems (CMHSF) Overvalued in 2026?

Based on GuruFocus' analysis, Comprehensive Healthcare Systems stock appears to be overvalued. The current stock price of $0.35 is trading 331.3% above its estimated GF Value™ of $0.08. GuruFocus considers Comprehensive Healthcare Systems to be Significantly Overvalued.

Key valuation signals for CMHSF:

  • Effective Interest Rate on Debt %: 7.16%
  • GF Value™: $0.08 vs. price of $0.35 (331.3% above fair value)
  • GF Score™: 24/100 with 5 warning signs

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


Comprehensive Healthcare Systems Business Description

Other Exchanges CHS:Canada
Address 515 Plainfield Avenue, Suite 103, Edison, NJ, USA, 08817
Comprehensive Healthcare Systems Inc is a vertically integrated software as a services (SaaS) company focused on digitizing healthcare with Healthcare Benefits Administration solutions, providing reliable and high-volume transaction-capable systems. The company's Novus 360 Healthcare Welfare and Benefits Administration (HWBA) SaaS platform is used by clients for all aspects of healthcare benefits administration (including self-funded employers, providers, and labor unions), providing healthcare administrative software and technology-enabled services. It provides healthcare administrative software, licensing and maintenance services to various interests in the healthcare industry, including insurance companies, hospitals, doctors and labor unions. It operates in single segment.
24GF Score

Get the complete analysis for CMHSF

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

$0.35
Price
$0.08
GF Value