MFON (Mobivity Holdings) Effective Interest Rate on Debt %: 16.66% (As of Sep. 2025)


What is Mobivity Holdings Effective Interest Rate on Debt %?

Mobivity Holdings MFON Effective Interest Rate on Debt % is 16.66% as of Sep. 2025. The stock has 7 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. Mobivity Holdings's annualized positive value of Interest Expense for the quarter that ended in Sep. 2025 was $3.28 Mil. Mobivity Holdings's average total debt for the quarter that ended in Sep. 2025 was $19.71 Mil. Therefore, Mobivity Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 was 16.66%.

Mobivity Holdings  (OTCPK:MFON) Effective Interest Rate on Debt % Explanation

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

Mobivity Holdings Effective Interest Rate on Debt % Related Terms

Mobivity Holdings Effective Interest Rate on Debt % Historical Data

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The historical data trend for Mobivity Holdings'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.

Mobivity Holdings Effective Interest Rate on Debt % Chart

Mobivity Holdings Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.05 7.60 13.08 13.58 16.85

Mobivity Holdings Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
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 17.28 15.11 16.27 16.14 16.66

MFON vs KWIK, HTCR, FTFT: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, Mobivity Holdings'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.

Mobivity Holdings Effective Interest Rate on Debt % vs Software Industry

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

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


Mobivity Holdings Effective Interest Rate on Debt % Calculation

Mobivity Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -1.943/( (8.697+14.371)/ 2 )
=-1  *  -1.943/11.534
=16.85 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.341 + 3.356
=8.697

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.753 + 2.618
=14.371

Mobivity Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Sep. 2025 ))/ count )
=-1  *  -3.284/( (17.494+21.926)/ 2 )
=-1  *  -3.284/19.71
=16.66 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=13.326 + 4.168
=17.494

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=16.983 + 4.943
=21.926

* 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 (Sep. 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 16.66% mean?
Mobivity Holdings (MFON) has a Effective Interest Rate on Debt % of 16.66% as of Sep. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Mobivity Holdings and its competitors.
Is Mobivity Holdings' Effective Interest Rate on Debt % too high?
Mobivity Holdings' current Effective Interest Rate on Debt % is 16.66%.
How does Mobivity Holdings' Effective Interest Rate on Debt % compare to KWIK and HTCR?
Mobivity Holdings' Effective Interest Rate on Debt % of 16.66% 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 Mobivity Holdings and its competitors. Mobivity Holdings's current Effective Interest Rate on Debt % is 16.66%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mobivity Holdings stock overvalued right now?
Based on GuruFocus' analysis, Mobivity Holdings (MFON) is currently considered Possible Value Trap. The stock's GF Value™ is $0.29, compared to a current price of $0.04 — trading 87.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 16.66%. 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 Mobivity Holdings (MFON), the current Effective Interest Rate on Debt % is 16.66% as of Sep. 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.

Mobivity Holdings Business Description

Address 3133 West Frye Road, Suite 215, Chandler, AZ, USA, 85226
Mobivity Holdings Corp develops and operates proprietary platforms over which enterprises conduct data-driven mobile marketing campaigns. Its proprietary platforms, consisting of software available to phones, tablets, PCs, and Point of Sale systems, allow resellers, brands and enterprises to market their products and services to consumers through text messages sent directly to consumers via mobile phones, mobile smartphone applications, and dynamically printed receipt content. The company generates revenue by charging the resellers, brands and enterprises a per-message transactional fee, through fixed or variable software licensing fees.