FintechWerx International Software Services (FRA:FCTW) Effective Interest Rate on Debt %: 11.64% (As of Jan. 2026)

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FRA:FCTW FintechWerx International Software Services Inc FRA:FCTW
19 GF Score
Price €0.30
! 3 Warning Signs
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What is FintechWerx International Software Services Effective Interest Rate on Debt %?

FintechWerx International Software Services FRA:FCTW -1.67% 19 Effective Interest Rate on Debt % is 11.64% as of Jan. 2026. GuruFocus rates FRA:FCTW with a GF Score™ of 19/100. The stock has 3 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. FintechWerx International Software Services's annualized positive value of Interest Expense for the quarter that ended in Jan. 2026 was €0.02 Mil. FintechWerx International Software Services's average total debt for the quarter that ended in Jan. 2026 was €0.14 Mil. Therefore, FintechWerx International Software Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 was 11.64%.


FintechWerx International Software Services  (FRA:FCTW) Effective Interest Rate on Debt % Explanation

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


FintechWerx International Software Services Effective Interest Rate on Debt % Related Terms


FintechWerx International Software Services Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for FintechWerx International Software Services'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.

FintechWerx International Software Services Effective Interest Rate on Debt % Chart

FintechWerx International Software Services Annual Data
Trend Apr23 Apr24 Apr25
Effective Interest Rate on Debt %
0.00 0.00 8.00

FintechWerx International Software Services Quarterly Data
Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26
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 15.38 15.69 3.38 7.51 11.64

FRA:FCTW vs MSFT, ORCL, PLTR: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, FintechWerx International Software Services'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.


FintechWerx International Software Services Effective Interest Rate on Debt % vs Software Industry

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

* The bar in red indicates where FintechWerx International Software Services's Effective Interest Rate on Debt % falls into.


FRA:FCTW
19GF Score
FintechWerx International Software Services Inc FRA:FCTW
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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FintechWerx International Software Services Effective Interest Rate on Debt % Calculation

FintechWerx International Software Services's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Apr. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Apr. 2024 )+Total Debt  (A: Apr. 2025 ))/ count )
=-1  *  -0.002/( (0+0.025)/ 1 )
=-1  *  -0.002/0.025
=8.00 %

where

FintechWerx International Software Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Oct. 2025 )+Total Debt  (Q: Jan. 2026 ))/ count )
=-1  *  -0.016/( (0.214+0.061)/ 2 )
=-1  *  -0.016/0.1375
=11.64 %

where

Total Debt  (Q: Oct. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.006 + 0.208
=0.214

* 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 (Jan. 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 11.64% mean?
FintechWerx International Software Services (FRA:FCTW) has a Effective Interest Rate on Debt % of 11.64% as of Jan. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on FintechWerx International Software Services and its competitors.
Is FintechWerx International Software Services' Effective Interest Rate on Debt % too high?
FintechWerx International Software Services' current Effective Interest Rate on Debt % is 11.64%. Overall, FintechWerx International Software Services has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does FintechWerx International Software Services' Effective Interest Rate on Debt % compare to MSFT and ORCL?
FintechWerx International Software Services' Effective Interest Rate on Debt % of 11.64% 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 FintechWerx International Software Services and its competitors. FintechWerx International Software Services's current Effective Interest Rate on Debt % is 11.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FintechWerx International Software Services stock overvalued right now?
FintechWerx International Software Services (FRA:FCTW) has a current Effective Interest Rate on Debt % of 11.64%. The current Effective Interest Rate on Debt % is 11.64%. FintechWerx International Software Services' overall GF Score™ is 19/100 with 3 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 FintechWerx International Software Services (FRA:FCTW), the current Effective Interest Rate on Debt % is 11.64% as of Jan. 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.

FintechWerx International Software Services Business Description

Other Exchanges WERX:Canada
Address 1275 West, 6th Avenue, Suite 315, Vancouver, BC, CAN, V6H 1A6
FintechWerx International Software Services Inc is an e-commerce technology company. The Company is engaged in delivering enrollment, automated identity verification, payment solutions, and data management services. The FintechWerx Platform is a combination of both licensed and proprietary software together the Technology Stack that provides a single comprehensive, suite of services for small to medium sized enterprises.
19GF 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.

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