Alkami Technology (MEX:ALKT) Effective Interest Rate on Debt %: 2.50% (As of Mar. 2026)

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MEX:ALKT Alkami Technology Inc MEX:ALKT
67 GF Score
Price MXN280.43
GF Value MXN593.16
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Alkami Technology Effective Interest Rate on Debt %?

Alkami Technology MEX:ALKT 67 Effective Interest Rate on Debt % is 2.50% as of Mar. 2026. GuruFocus rates MEX:ALKT with a GF Score™ of 67/100 and a GF Value™ of MXN593.16 (Significantly Undervalued). 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. Alkami Technology's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was MXN164 Mil. Alkami Technology's average total debt for the quarter that ended in Mar. 2026 was MXN6,548 Mil. Therefore, Alkami Technology's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 2.50%.


Alkami Technology  (MEX:ALKT) Effective Interest Rate on Debt % Explanation

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


Alkami Technology Effective Interest Rate on Debt % Related Terms


Alkami Technology Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Alkami Technology'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.

Alkami Technology Effective Interest Rate on Debt % Chart

Alkami Technology Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 4.87 5.93 10.64 2.70 4.87

Alkami Technology 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 1.48 2.99 3.01 2.67 2.50

MEX:ALKT vs NCNO, WRD, VERX: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, Alkami Technology'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.


Alkami Technology Effective Interest Rate on Debt % vs Software Industry

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

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


MEX:ALKT
67GF Score
Alkami Technology Inc MEX:ALKT
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Alkami Technology Effective Interest Rate on Debt % Calculation

Alkami Technology'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  *  -170.802/( (384.829+6635.911)/ 2 )
=-1  *  -170.802/3510.37
=4.87 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=356.82 + 28.009
=384.829

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6607.534 + 28.377
=6635.911

Alkami Technology'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  *  -163.52/( (6635.911+6459.511)/ 2 )
=-1  *  -163.52/6547.711
=2.50 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6607.534 + 28.377
=6635.911

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6420.236 + 39.275
=6459.511

* 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 2.50% mean?
Alkami Technology (MEX:ALKT) has a Effective Interest Rate on Debt % of 2.50% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Alkami Technology and its competitors.
Is Alkami Technology's Effective Interest Rate on Debt % too high?
Alkami Technology's current Effective Interest Rate on Debt % is 2.50%. Overall, Alkami Technology has a GF Score™ of 67/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Alkami Technology's Effective Interest Rate on Debt % compare to NCNO and WRD?
Alkami Technology's Effective Interest Rate on Debt % of 2.50% 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 Alkami Technology and its competitors. Alkami Technology's current Effective Interest Rate on Debt % is 2.50%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alkami Technology stock overvalued right now?
Based on GuruFocus' analysis, Alkami Technology (MEX:ALKT) is currently considered Significantly Undervalued. The stock's GF Value™ is MXN593.16, compared to a current price of MXN280.43 — trading 52.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 2.50%. Alkami Technology's overall GF Score™ is 67/100 with 3 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 Alkami Technology (MEX:ALKT), the current Effective Interest Rate on Debt % is 2.50% 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 Alkami Technology (MEX:ALKT) Overvalued in 2026?

Based on GuruFocus' analysis, Alkami Technology stock appears to be undervalued. The current stock price of MXN280.43 is trading 52.7% below its estimated GF Value™ of MXN593.16. GuruFocus considers Alkami Technology to be Significantly Undervalued.

Key valuation signals for MEX:ALKT:

  • Effective Interest Rate on Debt %: 2.50%
  • GF Value™: MXN593.16 vs. price of MXN280.43 (52.7% below fair value)
  • GF Score™: 67/100 with 3 warning signs

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


Alkami Technology Business Description

Other Exchanges ALKT:USA9J3:Germany
Address 5601 Granite Parkway, Suite 120, Plano, TX, USA, 75204
Alkami Technology Inc is a cloud-based digital banking solutions provider. The company offers the Alkami Digital Sales & Service Platform, which includes a digital banking platform, onboarding and account opening solutions, and data and marketing tools. The platform enables financial institutions to onboard and engage users, support revenue growth, and improve operational efficiency through a cloud-based, multi-tenant architecture. The company provides services to clients under software-as-a-service arrangements. It derives substantially all of its revenues from SaaS subscription services charged for the use of digital sales and service solutions.
67GF Score

Get the complete analysis for MEX:ALKT

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

MXN280.43
Price
MXN593.16
GF Value