GBUX (Givbux) Effective Interest Rate on Debt %: 23.01% (As of Mar. 2026)

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What is Givbux Effective Interest Rate on Debt %?

Givbux GBUX +40.00% Effective Interest Rate on Debt % is 23.01% as of Mar. 2026. 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. Givbux's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0.64 Mil. Givbux's average total debt for the quarter that ended in Mar. 2026 was $2.78 Mil. Therefore, Givbux's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 23.01%.


Givbux  (OTCPK:GBUX) Effective Interest Rate on Debt % Explanation

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


Givbux Effective Interest Rate on Debt % Related Terms


Givbux Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Givbux'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.

Givbux Effective Interest Rate on Debt % Chart

Givbux Annual Data
Trend May04 May05 May06 May07 Dec08 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only 7.62 0.06 4.11 17.92 52.45

Givbux Quarterly Data
May07 Aug07 Nov07 Mar08 Jun08 Sep08 Dec08 Mar09 Dec22 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 23.50 53.11 73.46 58.79 23.01

GBUX vs WDDD, QH, SHOP: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, Givbux'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.


Givbux Effective Interest Rate on Debt % vs Software Industry

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

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



Givbux Effective Interest Rate on Debt % Calculation

Givbux'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  *  -1.237/( (1.861+2.856)/ 2 )
=-1  *  -1.237/2.3585
=52.45 %

where

Givbux'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  *  -0.64/( (2.856+2.706)/ 2 )
=-1  *  -0.64/2.781
=23.01 %

where

* 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 23.01% mean?
Givbux (GBUX) has a Effective Interest Rate on Debt % of 23.01% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Givbux and its competitors.
Is Givbux's Effective Interest Rate on Debt % too high?
Givbux's current Effective Interest Rate on Debt % is 23.01%.
How does Givbux's Effective Interest Rate on Debt % compare to WDDD and QH?
Givbux's Effective Interest Rate on Debt % of 23.01% 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 Givbux and its competitors. Givbux's current Effective Interest Rate on Debt % is 23.01%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Givbux stock overvalued right now?
Based on GuruFocus' analysis, Givbux (GBUX) is currently considered Possible Value Trap. The stock's GF Value™ is $1.10, compared to a current price of $0.00 — trading 100% below its estimated fair value. The current Effective Interest Rate on Debt % is 23.01%. 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 Givbux (GBUX), the current Effective Interest Rate on Debt % is 23.01% 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.

Givbux Business Description

Address 2751 West Coast Highway, Suite 200, Newport Beach, CA, USA, 92663
Givbux Inc is engaged in the Fintech mobile wallet sector. The "GivBux Super App" includes a point-of-sale payment system by means of a consumer's Mobile Wallet. The company uses smartphone technology to bridge consumers and merchants together without the need to use traditional plastic Visa/Mastercard or paper cash. Its mobile application has been designed to store, send, receive funds, donate, and make real-time purchases at top retail brands, restaurantds, and other venues.