INVRF (Inverite Insights) Effective Interest Rate on Debt %: 11.68% (As of Dec. 2025)


INVRF Inverite Insights Inc INVRF
30 GF Score
Price $0.20
GF Value $0.22
! 5 Warning Signs
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What is Inverite Insights Effective Interest Rate on Debt %?

Inverite Insights INVRF -2.35% 30 Effective Interest Rate on Debt % is 11.68% as of Dec. 2025. GuruFocus rates INVRF with a GF Score™ of 30/100 and a GF Value™ of $0.22. 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. Inverite Insights's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $0.08 Mil. Inverite Insights's average total debt for the quarter that ended in Dec. 2025 was $0.72 Mil. Therefore, Inverite Insights's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 11.68%.


Inverite Insights  (OTCPK:INVRF) Effective Interest Rate on Debt % Explanation

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


Inverite Insights Effective Interest Rate on Debt % Related Terms


Inverite Insights Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Inverite Insights'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.

Inverite Insights Effective Interest Rate on Debt % Chart

Inverite Insights Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Mar25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 9.22 10.06 9.82 8.10 12.42

Inverite Insights Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 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 11.03 11.45 8.92 15.15 11.68

INVRF vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Inverite Insights'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.


Inverite Insights Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Inverite Insights's Effective Interest Rate on Debt % distribution charts can be found below:

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


INVRF
30GF Score
Inverite Insights Inc INVRF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Inverite Insights Effective Interest Rate on Debt % Calculation

Inverite Insights's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Mar. 2025 ))/ count )
=-1  *  -0.156/( (1.19+1.323)/ 2 )
=-1  *  -0.156/1.2565
=12.42 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.001 + 1.189
=1.19

Inverite Insights'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: Sep. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -0.084/( (0.785+0.653)/ 2 )
=-1  *  -0.084/0.719
=11.68 %

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 (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 11.68% mean?
Inverite Insights (INVRF) has a Effective Interest Rate on Debt % of 11.68% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Inverite Insights and its competitors.
Is Inverite Insights' Effective Interest Rate on Debt % too high?
Inverite Insights' current Effective Interest Rate on Debt % is 11.68%. Overall, Inverite Insights has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does Inverite Insights' Effective Interest Rate on Debt % compare to V and MA?
Inverite Insights' Effective Interest Rate on Debt % of 11.68% can be compared against companies in the Credit Services 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services 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 Inverite Insights and its competitors. Inverite Insights's current Effective Interest Rate on Debt % is 11.68%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Inverite Insights stock overvalued right now?
Inverite Insights (INVRF) has a current Effective Interest Rate on Debt % of 11.68%. The stock's GF Value™ is $0.22, compared to a current price of $0.20 — trading 10.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 11.68%. Inverite Insights' overall GF Score™ is 30/100 with 5 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 Inverite Insights (INVRF), the current Effective Interest Rate on Debt % is 11.68% 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 Inverite Insights (INVRF) Overvalued in 2026?

Based on GuruFocus' analysis, Inverite Insights stock appears to be undervalued. The current stock price of $0.20 is trading 10.2% below its estimated GF Value™ of $0.22.

Key valuation signals for INVRF:

  • Effective Interest Rate on Debt %: 11.68%
  • GF Value™: $0.22 vs. price of $0.20 (10.2% below fair value)
  • GF Score™: 30/100 with 5 warning signs

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


Inverite Insights Business Description

Other Exchanges 2V0:GermanyINVR:Canada
Address 999 Canada Place, Suite 404, Vancouver, BC, CAN, V6C 3E2.
Inverite Insights Inc provides AI-driven software focusing on real-time financial data, which empowers business lenders and financial institutions to transact effectively for data enrichment, identify-KYC, risk management, and compliance. The company operates a cloud-based transactional and Risk Model as a Service (RMaaS) platform; and offers open banking and consumer-directed finance solutions, including banking verification solutions to the financial services industry for income verification, credit decisioning, fraud reduction, and know-the-client/anti-money laundering purposes.
30GF 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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