nFinanSe (nFinanSe) Effective Interest Rate on Debt % : 41.85% (As of Sep. 2011)

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What is nFinanSe Effective Interest Rate on Debt %?

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. nFinanSe's annualized positive value of Interest Expense for the quarter that ended in Sep. 2011 was $0.68 Mil. nFinanSe's average total debt for the quarter that ended in Sep. 2011 was $1.63 Mil. Therefore, nFinanSe's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2011 was 41.85%.

nFinanSe Effective Interest Rate on Debt % Historical Data

The historical data trend for nFinanSe'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.

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nFinanSe Effective Interest Rate on Debt % Chart

nFinanSe Annual Data

Trend

Aug01

Aug02

Aug03

Sep04

Sep05

Sep06

Dec07

Dec08

Dec09

Dec10

Effective Interest Rate on Debt %

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0.03

25.67

382.35

18.67

nFinanSe Quarterly Data
	Dec06	Mar07	Jun07	Sep07	Dec07	Mar08	Jun08	Sep08	Dec08	Mar09	Jun09	Sep09	Dec09	Mar10	Jun10	Sep10	Dec10	Mar11	Jun11	Sep11
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															40.80	22.40	26.56	46.55	41.85

Competitive Comparison of nFinanSe's Effective Interest Rate on Debt %

For the Mortgage Finance subindustry, nFinanSe'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.

nFinanSe's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, nFinanSe's Effective Interest Rate on Debt % distribution charts can be found below:

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

nFinanSe Effective Interest Rate on Debt % Calculation

nFinanSe's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2010 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2009 )	+	Total Debt (A: Dec. 2010 ))	/ count )
=	-1 * -0.14	/	( (0.5	+	1)	/ 2 )
=	-1 * -0.14	/	0.75
=	18.67 %

where

	Total Debt (A: Dec. 2009 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0.5
=	0.5

	Total Debt (A: Dec. 2010 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	1
=	1

nFinanSe's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2011 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Jun. 2011 )	+	Total Debt (Q: Sep. 2011 ))	/ count )
=	-1 * -0.68	/	( (1.25	+	2)	/ 2 )
=	-1 * -0.68	/	1.625
=	41.85 %

where

	Total Debt (Q: Jun. 2011 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	1.25
=	1.25

	Total Debt (Q: Sep. 2011 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	2
=	2

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. 2011) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

nFinanSe (OTCPK:NFSE) Effective Interest Rate on Debt % Explanation

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

nFinanSe Effective Interest Rate on Debt % Related Terms

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nFinanSe (nFinanSe) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » nFinanSe Inc (OTCPK:NFSE) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

P.O. Box 89233, Tampa, FL, USA, 33619

Website

https://www.nfinanse.com

nFinanSe Inc is a United States based provider of stored value cards for a variety of markets, including grocery stores, convenience stores and general merchandise stores.

Executives

Donald A Harris	director	C/O NFINANSE INC., 3923 COCONUT PALM DRIVE, SUITE 107, TAMPA FL 33619
Trellus Partners Lp	10 percent owner	CHRISTINE STAMAS
Adam Usdan	10 percent owner	C/O TRELLUS MANAGEMENT COMPANY, LLC, 350 MADISON AVENUE, 9TH FLOOR, NEW YORK NY 10017

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