Finanza.tech SpA (MIL:FTC) Effective Interest Rate on Debt %: 11.10% (As of Dec. 2025)


MIL:FTC Finanza.tech SpA MIL:FTC
33 GF Score
Price €0.20
GF Value €0.26
Valuation Modestly Undervalued
! 8 Warning Signs
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What is Finanza.tech SpA Effective Interest Rate on Debt %?

Finanza.tech SpA MIL:FTC 33 Effective Interest Rate on Debt % is 11.10% as of Dec. 2025. GuruFocus rates MIL:FTC with a GF Score™ of 33/100 and a GF Value™ of €0.26 (Modestly Undervalued). The stock has 8 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. Finanza.tech SpA's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.28 Mil. Finanza.tech SpA's average total debt for the quarter that ended in Dec. 2025 was €2.49 Mil. Therefore, Finanza.tech SpA's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 11.10%.


Finanza.tech SpA  (MIL:FTC) Effective Interest Rate on Debt % Explanation

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


Finanza.tech SpA Effective Interest Rate on Debt % Related Terms


Finanza.tech SpA Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Finanza.tech SpA'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.

Finanza.tech SpA Effective Interest Rate on Debt % Chart

Finanza.tech SpA Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 13.35 6.53 3.82 5.86 9.14

Finanza.tech SpA Semi-Annual Data
Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 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 3.87 6.00 6.01 7.40 11.10

MIL:FTC vs VRSK, EFX, BAH: Effective Interest Rate on Debt % Comparison

For the Consulting Services subindustry, Finanza.tech SpA'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.


Finanza.tech SpA Effective Interest Rate on Debt % vs Business Services Industry

For the Business Services industry and Industrials sector, Finanza.tech SpA's Effective Interest Rate on Debt % distribution charts can be found below:

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


MIL:FTC
33GF Score
Finanza.tech SpA MIL:FTC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Finanza.tech SpA Effective Interest Rate on Debt % Calculation

Finanza.tech SpA'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  *  -0.236/( (2.745+2.421)/ 2 )
=-1  *  -0.236/2.583
=9.14 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.354 + 1.391
=2.745

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.972 + 1.449
=2.421

Finanza.tech SpA'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: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -0.276/( (2.553+2.421)/ 2 )
=-1  *  -0.276/2.487
=11.10 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.354 + 1.199
=2.553

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.972 + 1.449
=2.421

* 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 two times the semi-annual (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 11.10% mean?
Finanza.tech SpA (MIL:FTC) has a Effective Interest Rate on Debt % of 11.10% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Finanza.tech SpA and its competitors.
Is Finanza.tech SpA's Effective Interest Rate on Debt % too high?
Finanza.tech SpA's current Effective Interest Rate on Debt % is 11.10%. Overall, Finanza.tech SpA has a GF Score™ of 33/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Finanza.tech SpA's Effective Interest Rate on Debt % compare to VRSK and EFX?
Finanza.tech SpA's Effective Interest Rate on Debt % of 11.10% can be compared against companies in the Business 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 Business Services company?
A good Effective Interest Rate on Debt % depends on the Business 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 Finanza.tech SpA and its competitors. Finanza.tech SpA's current Effective Interest Rate on Debt % is 11.10%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finanza.tech SpA stock overvalued right now?
Based on GuruFocus' analysis, Finanza.tech SpA (MIL:FTC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.26, compared to a current price of €0.20 — trading 21.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 11.10%. Finanza.tech SpA's overall GF Score™ is 33/100 with 8 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 Finanza.tech SpA (MIL:FTC), the current Effective Interest Rate on Debt % is 11.10% 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 Finanza.tech SpA (MIL:FTC) Overvalued in 2026?

Based on GuruFocus' analysis, Finanza.tech SpA stock appears to be undervalued. The current stock price of €0.20 is trading 21.5% below its estimated GF Value™ of €0.26. GuruFocus considers Finanza.tech SpA to be Modestly Undervalued.

Key valuation signals for MIL:FTC:

  • Effective Interest Rate on Debt %: 11.10%
  • GF Value™: €0.26 vs. price of €0.20 (21.5% below fair value)
  • GF Score™: 33/100 with 8 warning signs

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


Finanza.tech SpA Business Description

Address Via Santa Maria Fulcorina, 19, Milan, ITA, 20123
Finanza.tech SpA is a fintech operator. It provides consultancy activities in extraordinary finance operations and support for ordinary corporate financial management.
33GF 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.

€0.20
Price
€0.26
GF Value