HMELF (Hold Me) Effective Interest Rate on Debt %: 6.69% (As of Dec. 2025)

Hold Me HMELF 19 Effective Interest Rate on Debt % is 6.69% as of Dec. 2025. GuruFocus rates HMELF with a GF Score™ of 19/100. The stock has 2 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. Hold Me's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $0.06 Mil. Hold Me's average total debt for the quarter that ended in Dec. 2025 was $0.93 Mil. Therefore, Hold Me's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 6.69%.

Hold Me (OTCPK:HMELF) Effective Interest Rate on Debt % Explanation

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

Hold Me Effective Interest Rate on Debt % Related Terms

Hold Me Effective Interest Rate on Debt % Historical Data

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The historical data trend for Hold Me'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.

Hold Me Effective Interest Rate on Debt % Chart

Hold Me Annual Data

Trend

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Effective Interest Rate on Debt %

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50.67

62.75

6.30

5.13

6.69

Hold Me Semi-Annual Data
	Dec20	Dec21	Dec22	Dec23	Dec24	Dec25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial			50.67	62.75	6.30	5.13	6.69

HMELF vs : Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, Hold Me'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.

Hold Me Effective Interest Rate on Debt % vs Software Industry

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

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

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19GF Score

Hold Me Ltd HMELF

Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.

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Hold Me Effective Interest Rate on Debt % Calculation

Hold Me'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 * -0.062	/	( (0.787	+	1.067)	/ 2 )
=	-1 * -0.062	/	0.927
=	6.69 %

where

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0.787
=	0.787

	Total Debt (A: Dec. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	1.067
=	1.067

Hold Me'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: Dec. 2024 )	+	Total Debt (Q: Dec. 2025 ))	/ count )
=	-1 * -0.062	/	( (0.787	+	1.067)	/ 2 )
=	-1 * -0.062	/	0.927
=	6.69 %

where

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0.787
=	0.787

	Total Debt (Q: Dec. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	1.067
=	1.067

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 one times the annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about Effective Interest Rate on Debt % →

What does a Effective Interest Rate on Debt % of 6.69% mean?

Hold Me (HMELF) has a Effective Interest Rate on Debt % of 6.69% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Hold Me and its competitors.

Is Hold Me's Effective Interest Rate on Debt % too high?

Hold Me's current Effective Interest Rate on Debt % is 6.69%. Overall, Hold Me has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.

How does Hold Me's Effective Interest Rate on Debt % compare to ?

Hold Me's Effective Interest Rate on Debt % of 6.69% 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 Hold Me and its competitors. Hold Me's current Effective Interest Rate on Debt % is 6.69%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Hold Me stock overvalued right now?

Hold Me (HMELF) has a current Effective Interest Rate on Debt % of 6.69%. The current Effective Interest Rate on Debt % is 6.69%. Hold Me's overall GF Score™ is 19/100 with 2 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 Hold Me (HMELF), the current Effective Interest Rate on Debt % is 6.69% 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.

Hold Me Business Description

Industry Technology Software

Comparable Companies

Address 30 Golomb Street, Ness Ziyona, ISR, 7401337

Website https://www.holdme.co.il

Hold Me Ltd develops a mobile-wallet-as-a-service platform for organizations interested in launching mobile wallet applications for their brand. Its solution allows brands, retailers, media companies, and financial institutions to create customized mobile wallets for payments, as well as for managing loyalty and rewards programs. The company operates in one operating and reportable segment NIS.

19GF Score

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