CREX (Creative Realities) Effective Interest Rate on Debt %: 8.49% (As of Mar. 2026)


CREX Creative Realities Inc CREX
55 GF Score
Price $3.71
GF Value $4.59
Valuation Modestly Undervalued
! 9 Warning Signs
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What is Creative Realities Effective Interest Rate on Debt %?

Creative Realities CREX -3.64% 55 Effective Interest Rate on Debt % is 8.49% as of Mar. 2026. GuruFocus rates CREX with a GF Score™ of 55/100 and a GF Value™ of $4.59 (Modestly Undervalued). The stock has 9 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. Creative Realities's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $5.86 Mil. Creative Realities's average total debt for the quarter that ended in Mar. 2026 was $68.99 Mil. Therefore, Creative Realities's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 8.49%.


Creative Realities  (NAS:CREX) Effective Interest Rate on Debt % Explanation

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


Creative Realities Effective Interest Rate on Debt % Related Terms


Creative Realities Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Creative Realities'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.

Creative Realities Effective Interest Rate on Debt % Chart

Creative Realities 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 8.77 20.56 17.75 12.44 6.06

Creative Realities 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 6.78 8.93 9.22 9.71 8.49

CREX vs MAPS, VIDA, INVU: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, Creative Realities'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.


Creative Realities Effective Interest Rate on Debt % vs Software Industry

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

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


CREX
55GF Score
Creative Realities Inc CREX
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Creative Realities Effective Interest Rate on Debt % Calculation

Creative Realities'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  *  -2.479/( (13.966+67.865)/ 2 )
=-1  *  -2.479/40.9155
=6.06 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=13.454 + 0.512
=13.966

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=59.04 + 8.825
=67.865

Creative Realities'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  *  -5.86/( (67.865+70.124)/ 2 )
=-1  *  -5.86/68.9945
=8.49 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=59.04 + 8.825
=67.865

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=59.3 + 10.824
=70.124

* 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 8.49% mean?
Creative Realities (CREX) has a Effective Interest Rate on Debt % of 8.49% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Creative Realities and its competitors.
Is Creative Realities' Effective Interest Rate on Debt % too high?
Creative Realities' current Effective Interest Rate on Debt % is 8.49%. Overall, Creative Realities has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Creative Realities' Effective Interest Rate on Debt % compare to MAPS and VIDA?
Creative Realities' Effective Interest Rate on Debt % of 8.49% 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 Creative Realities and its competitors. Creative Realities's current Effective Interest Rate on Debt % is 8.49%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creative Realities stock overvalued right now?
Based on GuruFocus' analysis, Creative Realities (CREX) is currently considered Modestly Undervalued. The stock's GF Value™ is $4.59, compared to a current price of $3.71 — trading 19.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 8.49%. Creative Realities' overall GF Score™ is 55/100 with 9 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 Creative Realities (CREX), the current Effective Interest Rate on Debt % is 8.49% 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 Creative Realities (CREX) Overvalued in 2026?

Based on GuruFocus' analysis, Creative Realities stock appears to be undervalued. The current stock price of $3.71 is trading 19.1% below its estimated GF Value™ of $4.59. GuruFocus considers Creative Realities to be Modestly Undervalued.

Key valuation signals for CREX:

  • Effective Interest Rate on Debt %: 8.49%
  • GF Value™: $4.59 vs. price of $3.71 (19.1% below fair value)
  • GF Score™: 55/100 with 9 warning signs

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


Creative Realities Business Description

Address 13100 Magisterial Drive, Suite 201, Louisville, KY, USA, 40223
Creative Realities Inc, along with its subsidiaries, is engaged in providing digital marketing technology & solutions to world-wide retail companies, luxury and other individual retail brands, advertising networks, outdoor clients, enterprises, and other organizations. The company operates in one reportable segment, marketing technology solutions. It offers solutions related to digital merchandising systems, omnichannel customer engagement systems, interactive digital shopping assistants, advisors and kiosks, and high-end audio-visual networks, along with marketing technologies such as mobile, social media, point-of-sale transactions, beaconing, and web-based media. Geographically, the company generates maximum revenue from the United States, and the rest from Canada.
55GF 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.

$3.71
Price
$4.59
GF Value