EDTXF (Spectral Medical) Effective Interest Rate on Debt %: 28.82% (As of Mar. 2026)

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.

EDTXF Spectral Medical Inc EDTXF
9 GF Score
Price $0.98
GF Value $0.65
Valuation Significantly Overvalued
! 9 Warning Signs
View Full Analysis

What is Spectral Medical Effective Interest Rate on Debt %?

Spectral Medical EDTXF +0.81% 9 Effective Interest Rate on Debt % is 28.82% as of Mar. 2026. GuruFocus rates EDTXF with a GF Score™ of 9/100 and a GF Value™ of $0.65 (Significantly Overvalued). 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. Spectral Medical's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $4.66 Mil. Spectral Medical's average total debt for the quarter that ended in Mar. 2026 was $16.19 Mil. Therefore, Spectral Medical's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 28.82%.


Spectral Medical  (OTCPK:EDTXF) Effective Interest Rate on Debt % Explanation

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


Spectral Medical Effective Interest Rate on Debt % Related Terms


Spectral Medical Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Spectral Medical'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.

Spectral Medical Effective Interest Rate on Debt % Chart

Spectral Medical 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 4.51 7.51 21.18 26.46 28.68

Spectral Medical 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 28.56 29.25 28.15 29.06 28.82

EDTXF vs TMO, DHR, IDXX: Effective Interest Rate on Debt % Comparison

For the Diagnostics & Research subindustry, Spectral Medical'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.


Spectral Medical Effective Interest Rate on Debt % vs Medical Diagnostics & Research Industry

For the Medical Diagnostics & Research industry and Healthcare sector, Spectral Medical's Effective Interest Rate on Debt % distribution charts can be found below:

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


EDTXF
9GF Score
Spectral Medical Inc EDTXF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Spectral Medical Effective Interest Rate on Debt % Calculation

Spectral Medical'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  *  -3.743/( (10.475+15.629)/ 2 )
=-1  *  -3.743/13.052
=28.68 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.26 + 10.215
=10.475

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3.617 + 12.012
=15.629

Spectral Medical'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  *  -4.664/( (15.629+16.741)/ 2 )
=-1  *  -4.664/16.185
=28.82 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3.617 + 12.012
=15.629

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3.941 + 12.8
=16.741

* 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 28.82% mean?
Spectral Medical (EDTXF) has a Effective Interest Rate on Debt % of 28.82% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Spectral Medical and its competitors.
Is Spectral Medical's Effective Interest Rate on Debt % too high?
Spectral Medical's current Effective Interest Rate on Debt % is 28.82%. Overall, Spectral Medical has a GF Score™ of 9/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spectral Medical's Effective Interest Rate on Debt % compare to TMO and DHR?
Spectral Medical's Effective Interest Rate on Debt % of 28.82% can be compared against companies in the Medical Diagnostics & Research 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 Medical Diagnostics & Research company?
A good Effective Interest Rate on Debt % depends on the Medical Diagnostics & Research 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 Spectral Medical and its competitors. Spectral Medical's current Effective Interest Rate on Debt % is 28.82%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Spectral Medical stock overvalued right now?
Based on GuruFocus' analysis, Spectral Medical (EDTXF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.65, compared to a current price of $0.98 — trading 50.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 28.82%. Spectral Medical's overall GF Score™ is 9/100 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 Spectral Medical (EDTXF), the current Effective Interest Rate on Debt % is 28.82% 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 Spectral Medical (EDTXF) Overvalued in 2026?

Based on GuruFocus' analysis, Spectral Medical stock appears to be overvalued. The current stock price of $0.98 is trading 50.2% above its estimated GF Value™ of $0.65. GuruFocus considers Spectral Medical to be Significantly Overvalued.

Key valuation signals for EDTXF:

  • Effective Interest Rate on Debt %: 28.82%
  • GF Value™: $0.65 vs. price of $0.98 (50.2% above fair value)
  • GF Score™: 9/100 with 9 warning signs

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


Spectral Medical Business Description

Other Exchanges SD4:GermanyEDT:Canada
Address 135 The West Mall, Unit 2, Finance, Toronto, ON, CAN, M9C 1C2
Spectral Medical Inc is focused on the development and commercialization of a treatment for septic shock utilizing its endotoxin activity assay (EAA) diagnostic and the Toraymyxin therapeutic. The company also manufactures and sells proprietary reagents. The product line of the company consists of proprietary biochemical, EAA, and instrumentation. Its products include an endotoxin activity assay, a rapid in-vitro diagnostic test used to measure endotoxin levels in blood, and a polymyxin B hemoperfusion device designed to remove endotoxin from the bloodstream. The company's proprietary reagents include recombinant proteins, antibodies, and calibrators used in research and diagnostic applications.
9GF Score

Get the complete analysis for EDTXF

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

$0.98
Price
$0.65
GF Value