Crypto Flow Technology (FRA:3IYA) Effective Interest Rate on Debt %: 6.10% (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.

FRA:3IYA Crypto Flow Technology Ltd FRA:3IYA
37 GF Score
Price €0.12
GF Value €0.04
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Crypto Flow Technology Effective Interest Rate on Debt %?

Crypto Flow Technology FRA:3IYA -12.86% 37 Effective Interest Rate on Debt % is 6.10% as of Dec. 2025. GuruFocus rates FRA:3IYA with a GF Score™ of 37/100 and a GF Value™ of €0.04 (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. Crypto Flow Technology's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.05 Mil. Crypto Flow Technology's average total debt for the quarter that ended in Dec. 2025 was €0.85 Mil. Therefore, Crypto Flow Technology's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 6.10%.


Crypto Flow Technology  (FRA:3IYA) Effective Interest Rate on Debt % Explanation

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


Crypto Flow Technology Effective Interest Rate on Debt % Related Terms


Crypto Flow Technology Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Crypto Flow Technology'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.

Crypto Flow Technology Effective Interest Rate on Debt % Chart

Crypto Flow Technology 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 2.03 5.90 12.41 8.88 5.97

Crypto Flow Technology Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.43 6.81 7.13 6.49 6.10

FRA:3IYA vs IBM, ACN, FISV: Effective Interest Rate on Debt % Comparison

For the Information Technology Services subindustry, Crypto Flow Technology'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.


Crypto Flow Technology Effective Interest Rate on Debt % vs Software Industry

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

* The bar in red indicates where Crypto Flow Technology's Effective Interest Rate on Debt % falls into.


FRA:3IYA
37GF Score
Crypto Flow Technology Ltd FRA:3IYA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Crypto Flow Technology Effective Interest Rate on Debt % Calculation

Crypto Flow Technology'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  *  -0.061/( (1.247+0.795)/ 2 )
=-1  *  -0.061/1.021
=5.97 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.461 + 0.786
=1.247

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.317 + 0.478
=0.795

Crypto Flow Technology'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  *  -0.052/( (0.91+0.795)/ 2 )
=-1  *  -0.052/0.8525
=6.10 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.317 + 0.478
=0.795

* 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 6.10% mean?
Crypto Flow Technology (FRA:3IYA) has a Effective Interest Rate on Debt % of 6.10% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Crypto Flow Technology and its competitors.
Is Crypto Flow Technology's Effective Interest Rate on Debt % too high?
Crypto Flow Technology's current Effective Interest Rate on Debt % is 6.10%. Overall, Crypto Flow Technology has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crypto Flow Technology's Effective Interest Rate on Debt % compare to IBM and ACN?
Crypto Flow Technology's Effective Interest Rate on Debt % of 6.10% 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 Crypto Flow Technology and its competitors. Crypto Flow Technology's current Effective Interest Rate on Debt % is 6.10%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crypto Flow Technology stock overvalued right now?
Based on GuruFocus' analysis, Crypto Flow Technology (FRA:3IYA) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.04, compared to a current price of €0.12 — trading 205% above its estimated fair value. The current Effective Interest Rate on Debt % is 6.10%. Crypto Flow Technology's overall GF Score™ is 37/100 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 Crypto Flow Technology (FRA:3IYA), the current Effective Interest Rate on Debt % is 6.10% 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 Crypto Flow Technology (FRA:3IYA) Overvalued in 2026?

Based on GuruFocus' analysis, Crypto Flow Technology stock appears to be overvalued. The current stock price of €0.12 is trading 205% above its estimated GF Value™ of €0.04. GuruFocus considers Crypto Flow Technology to be Significantly Overvalued.

Key valuation signals for FRA:3IYA:

  • Effective Interest Rate on Debt %: 6.10%
  • GF Value™: €0.04 vs. price of €0.12 (205% above fair value)
  • GF Score™: 37/100 with 4 warning signs

No single metric tells the full story. See the FRA:3IYA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Crypto Flow Technology Business Description

Other Exchanges 08198:Hong Kong
Address 89 Queensway, Unit 1905, 19th Floor, Tower Two Lippo Centre, Hong Kong, HKG
Crypto Flow Technology Ltd is engaged in the provision of data analysis and storage services, Data Centre Services providing storage, electricity, and related services, the Analysis Platform, the Exchange and OTC Services in Australia, and the Money Lending Business in Hong Kong. It operates in four segments: Provision of Big Data Centre services, Money lending business, Analysis Platform, and Exchange and OTC Services. It generates maximum revenue from Big Data Centre Services. It operates in the USA, Australia, and Hong Kong, and the majority of its revenue comes from the USA.
37GF Score

Get the complete analysis for FRA:3IYA

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

€0.12
Price
€0.04
GF Value