NetSol Technologies (KAR:NETSOL) Effective Interest Rate on Debt %: 7.01% (As of Mar. 2026)


KAR:NETSOL NetSol Technologies Ltd KAR:NETSOL
77 GF Score
Price ₨134.47
GF Value ₨177.40
Valuation Modestly Undervalued
! 1 Warning Sign
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What is NetSol Technologies Effective Interest Rate on Debt %?

NetSol Technologies KAR:NETSOL 77 Effective Interest Rate on Debt % is 7.01% as of Mar. 2026. GuruFocus rates KAR:NETSOL with a GF Score™ of 77/100 and a GF Value™ of ₨177.40 (Modestly Undervalued). The stock has 1 warning sign 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. NetSol Technologies's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₨162 Mil. NetSol Technologies's average total debt for the quarter that ended in Mar. 2026 was ₨2,307 Mil. Therefore, NetSol Technologies's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 7.01%.


NetSol Technologies  (KAR:NETSOL) Effective Interest Rate on Debt % Explanation

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


NetSol Technologies Effective Interest Rate on Debt % Related Terms


NetSol Technologies Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for NetSol Technologies'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.

NetSol Technologies Effective Interest Rate on Debt % Chart

NetSol Technologies Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.29 3.69 10.70 18.94 11.76

NetSol Technologies Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 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 9.40 7.64 8.48 8.40 7.01

KAR:NETSOL vs IBM, ACN, FISV: Effective Interest Rate on Debt % Comparison

For the Information Technology Services subindustry, NetSol Technologies'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.


NetSol Technologies Effective Interest Rate on Debt % vs Software Industry

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

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


KAR:NETSOL
77GF Score
NetSol Technologies Ltd KAR:NETSOL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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NetSol Technologies Effective Interest Rate on Debt % Calculation

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

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -223.287/( (1596.792+2201.771)/ 2 )
=-1  *  -223.287/1899.2815
=11.76 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.696 + 1594.096
=1596.792

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=13.343 + 2188.428
=2201.771

NetSol Technologies'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  *  -161.764/( (2307.606+2307.125)/ 2 )
=-1  *  -161.764/2307.3655
=7.01 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=72.161 + 2235.445
=2307.606

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=68.219 + 2238.906
=2307.125

* 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 7.01% mean?
NetSol Technologies (KAR:NETSOL) has a Effective Interest Rate on Debt % of 7.01% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on NetSol Technologies and its competitors.
Is NetSol Technologies' Effective Interest Rate on Debt % too high?
NetSol Technologies' current Effective Interest Rate on Debt % is 7.01%. Overall, NetSol Technologies has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NetSol Technologies' Effective Interest Rate on Debt % compare to IBM and ACN?
NetSol Technologies' Effective Interest Rate on Debt % of 7.01% 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 NetSol Technologies and its competitors. NetSol Technologies's current Effective Interest Rate on Debt % is 7.01%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NetSol Technologies stock overvalued right now?
Based on GuruFocus' analysis, NetSol Technologies (KAR:NETSOL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₨177.40, compared to a current price of ₨134.47 — trading 24.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 7.01%. NetSol Technologies' overall GF Score™ is 77/100 with 1 warning sign 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 NetSol Technologies (KAR:NETSOL), the current Effective Interest Rate on Debt % is 7.01% 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.

Is NetSol Technologies (KAR:NETSOL) Overvalued in 2026?

Based on GuruFocus' analysis, NetSol Technologies stock appears to be undervalued. The current stock price of ₨134.47 is trading 24.2% below its estimated GF Value™ of ₨177.40. GuruFocus considers NetSol Technologies to be Modestly Undervalued.

Key valuation signals for KAR:NETSOL:

  • Effective Interest Rate on Debt %: 7.01%
  • GF Value™: ₨177.40 vs. price of ₨134.47 (24.2% below fair value)
  • GF Score™: 77/100 with 1 warning sign

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


NetSol Technologies Business Description

Address Lahore Ring Road, Ghazi Road Interchange, NETSOL IT Village (Software Technology Park), Lahore Cantonment, Lahore, PB, PAK, 54792
NetSol Technologies Ltd provides Information Technology services & enterprise solutions. It provides solutions for leasing and finance, healthcare technology, insurance, and e-Procurement. Its products include Enterprise Solutions, Business Intelligence, IT Consulting & Business Process Reengineering, Technology & Business Process Outsourcing, Application Development & Maintenance, Cloud Services. Its operating segments are product-based solutions and ancillary services, professional services, and business process outsourcing. Geographically, it operates in Pakistan, Asia Pacific, Australia & the USA, the UK, and other countries.
77GF Score

Get the complete analysis for KAR:NETSOL

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨134.47
Price
₨177.40
GF Value