IPNFF (ImagineAR) Effective Interest Rate on Debt %: 16.54% (As of Feb. 2026)


What is ImagineAR Effective Interest Rate on Debt %?

ImagineAR IPNFF +25.00% Effective Interest Rate on Debt % is 16.54% as of Feb. 2026. 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. ImagineAR's annualized positive value of Interest Expense for the quarter that ended in Feb. 2026 was $0.04 Mil. ImagineAR's average total debt for the quarter that ended in Feb. 2026 was $0.27 Mil. Therefore, ImagineAR's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 was 16.54%.

ImagineAR  (OTCPK:IPNFF) Effective Interest Rate on Debt % Explanation

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

ImagineAR Effective Interest Rate on Debt % Related Terms

ImagineAR Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for ImagineAR'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.

ImagineAR Effective Interest Rate on Debt % Chart

ImagineAR Annual Data
Trend Aug16 Aug17 Aug18 Aug19 Aug20 Aug21 Aug22 Aug23 Aug24 Aug25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.23 2.33 0.00 0.00 20.72

ImagineAR Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
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 22.01 17.33 17.96 17.32 16.54

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

For the Software - Infrastructure subindustry, ImagineAR'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.

ImagineAR Effective Interest Rate on Debt % vs Software Industry

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

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


ImagineAR Effective Interest Rate on Debt % Calculation

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

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Aug. 2024 )+Total Debt  (A: Aug. 2025 ))/ count )
=-1  *  -0.052/( (0+0.251)/ 1 )
=-1  *  -0.052/0.251
=20.72 %

where

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

Total Debt  (A: Aug. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.251 + 0
=0.251

ImagineAR's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Nov. 2025 )+Total Debt  (Q: Feb. 2026 ))/ count )
=-1  *  -0.044/( (0.257+0.275)/ 2 )
=-1  *  -0.044/0.266
=16.54 %

where

Total Debt  (Q: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.257 + 0
=0.257

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.275 + 0
=0.275

* 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 (Feb. 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 16.54% mean?
ImagineAR (IPNFF) has a Effective Interest Rate on Debt % of 16.54% as of Feb. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ImagineAR and its competitors.
Is ImagineAR's Effective Interest Rate on Debt % too high?
ImagineAR's current Effective Interest Rate on Debt % is 16.54%.
How does ImagineAR's Effective Interest Rate on Debt % compare to MSFT and ORCL?
ImagineAR's Effective Interest Rate on Debt % of 16.54% 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 ImagineAR and its competitors. ImagineAR's current Effective Interest Rate on Debt % is 16.54%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ImagineAR stock overvalued right now?
ImagineAR (IPNFF) has a current Effective Interest Rate on Debt % of 16.54%. The current Effective Interest Rate on Debt % is 16.54%. 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 ImagineAR (IPNFF), the current Effective Interest Rate on Debt % is 16.54% as of Feb. 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.

ImagineAR Business Description

Other Exchanges GMS1:GermanyIP:Canada
Address 3411 Peach Street, Suite 230, Erie, PA, USA, 16508
ImagineAR Inc provides a mobile platform for companies to develop & implement Mobile Augmented Reality experiences instantly with no programming or technology experience. Its platform enables users to point their mobile device at logos, signs, buildings, products, landmarks, and instantly engage with videos, information, advertisements, coupons, 3D holograms, and any other interactive content hosted in the cloud. Its products include ImagineAR Mobile App, ImagineAR Cloud, and ImagineAR SDK/API, among others. The Company operates in one reportable segment, comprised of data services, and revenue is earned from two regions: Canada and the United States.