CMS Info Systems (NSE:CMSINFO) Effective Interest Rate on Debt %: 11.42% (As of Mar. 2026)

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NSE:CMSINFO CMS Info Systems Ltd NSE:CMSINFO
77 GF Score
Price ₹273.60
GF Value ₹468.30
Valuation Significantly Undervalued
! 4 Warning Signs
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What is CMS Info Systems Effective Interest Rate on Debt %?

CMS Info Systems NSE:CMSINFO +4.27% 77 Effective Interest Rate on Debt % is 11.42% as of Mar. 2026. GuruFocus rates NSE:CMSINFO with a GF Score™ of 77/100 and a GF Value™ of ₹468.30 (Significantly Undervalued). The stock has 4 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. CMS Info Systems's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹253 Mil. CMS Info Systems's average total debt for the quarter that ended in Mar. 2026 was ₹2,214 Mil. Therefore, CMS Info Systems's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 11.42%.


CMS Info Systems  (NSE:CMSINFO) Effective Interest Rate on Debt % Explanation

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


CMS Info Systems Effective Interest Rate on Debt % Related Terms


CMS Info Systems Effective Interest Rate on Debt % Historical Data

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The historical data trend for CMS Info Systems'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.

CMS Info Systems Effective Interest Rate on Debt % Chart

CMS Info Systems Annual Data
Trend Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 9.01 9.90 8.44 9.83 9.48

CMS Info Systems 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 9.63 8.70 8.15 8.08 11.42

NSE:CMSINFO vs CTAS, CPRT, ULS: Effective Interest Rate on Debt % Comparison

For the Specialty Business Services subindustry, CMS Info Systems'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.


CMS Info Systems Effective Interest Rate on Debt % vs Business Services Industry

For the Business Services industry and Industrials sector, CMS Info Systems's Effective Interest Rate on Debt % distribution charts can be found below:

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


NSE:CMSINFO
77GF Score
CMS Info Systems Ltd NSE:CMSINFO
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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CMS Info Systems Effective Interest Rate on Debt % Calculation

CMS Info Systems's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2025 )+Total Debt  (A: Mar. 2026 ))/ count )
=-1  *  -194.79/( (1895.34+2213.82)/ 2 )
=-1  *  -194.79/2054.58
=9.48 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1320.54 + 574.8
=1895.34

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1553.71 + 660.11
=2213.82

CMS Info Systems'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  *  -252.76/( (0+2213.82)/ 1 )
=-1  *  -252.76/2213.82
=11.42 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1553.71 + 660.11
=2213.82

* 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 11.42% mean?
CMS Info Systems (NSE:CMSINFO) has a Effective Interest Rate on Debt % of 11.42% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CMS Info Systems and its competitors.
Is CMS Info Systems' Effective Interest Rate on Debt % too high?
CMS Info Systems' current Effective Interest Rate on Debt % is 11.42%. Overall, CMS Info Systems has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CMS Info Systems' Effective Interest Rate on Debt % compare to CTAS and CPRT?
CMS Info Systems' Effective Interest Rate on Debt % of 11.42% 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 CMS Info Systems and its competitors. CMS Info Systems's current Effective Interest Rate on Debt % is 11.42%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CMS Info Systems stock overvalued right now?
Based on GuruFocus' analysis, CMS Info Systems (NSE:CMSINFO) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹468.30, compared to a current price of ₹273.60 — trading 41.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 11.42%. CMS Info Systems' overall GF Score™ is 77/100 with 4 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 CMS Info Systems (NSE:CMSINFO), the current Effective Interest Rate on Debt % is 11.42% 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 CMS Info Systems (NSE:CMSINFO) Overvalued in 2026?

Based on GuruFocus' analysis, CMS Info Systems stock appears to be undervalued. The current stock price of ₹273.60 is trading 41.6% below its estimated GF Value™ of ₹468.30. GuruFocus considers CMS Info Systems to be Significantly Undervalued.

Key valuation signals for NSE:CMSINFO:

  • Effective Interest Rate on Debt %: 11.42%
  • GF Value™: ₹468.30 vs. price of ₹273.60 (41.6% below fair value)
  • GF Score™: 77/100 with 4 warning signs

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


CMS Info Systems Business Description

Other Exchanges 543441:India
Address Off Western Express Highway, Grand Hyatt Mumbai, Lobby level, Santacruz East, Mumbai, MH, IND, 400055
CMS Info Systems Ltd is engaged in the business of providing ATM and Cash Management services, supply, installation and maintenance of ATM and cash deposit machines, and also engaged in card trading and personalization services. Its reportable segments are; Cash Management services; Managed services; and Card services. Maximum revenue for the company is generated from its Cash Management services segment which provides ATM cash management services, Retail cash management services, Cash in transit services for banks, and other related services.
77GF Score

Get the complete analysis for NSE:CMSINFO

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

₹273.60
Price
₹468.30
GF Value