AS Bercman Technologies (OTSE:BERCM) Effective Interest Rate on Debt %: 29.41% (As of Dec. 2025)

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OTSE:BERCM AS Bercman Technologies OTSE:BERCM
55 GF Score
Price €1.18
GF Value €1.90
Valuation Possible Value Trap
! 4 Warning Signs
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What is AS Bercman Technologies Effective Interest Rate on Debt %?

AS Bercman Technologies OTSE:BERCM -1.26% 55 Effective Interest Rate on Debt % is 29.41% as of Dec. 2025. GuruFocus rates OTSE:BERCM with a GF Score™ of 55/100 and a GF Value™ of €1.90 (Possible Value Trap). 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. AS Bercman Technologies's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.07 Mil. AS Bercman Technologies's average total debt for the quarter that ended in Dec. 2025 was €0.24 Mil. Therefore, AS Bercman Technologies's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 29.41%.


AS Bercman Technologies  (OTSE:BERCM) Effective Interest Rate on Debt % Explanation

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


AS Bercman Technologies Effective Interest Rate on Debt % Related Terms


AS Bercman Technologies Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for AS Bercman Technologies'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.

AS Bercman Technologies Effective Interest Rate on Debt % Chart

AS Bercman Technologies Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 19.57 27.03 17.95 30.05 25.00

AS Bercman Technologies Semi-Annual Data
Dec19 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 20.78 13.71 18.97 5.85 29.41

OTSE:BERCM vs UBER, SHOP, CRM: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, AS Bercman Technologies'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.


AS Bercman Technologies Effective Interest Rate on Debt % vs Software Industry

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

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


OTSE:BERCM
55GF Score
AS Bercman Technologies OTSE:BERCM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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AS Bercman Technologies Effective Interest Rate on Debt % Calculation

AS Bercman Technologies'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  *  -0.042/( (0.135+0.201)/ 2 )
=-1  *  -0.042/0.168
=25.00 %

where

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.044 + 0.157
=0.201

AS Bercman Technologies'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  *  -0.07/( (0.275+0.201)/ 2 )
=-1  *  -0.07/0.238
=29.41 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.2 + 0.075
=0.275

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.044 + 0.157
=0.201

* 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 29.41% mean?
AS Bercman Technologies (OTSE:BERCM) has a Effective Interest Rate on Debt % of 29.41% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on AS Bercman Technologies and its competitors.
Is AS Bercman Technologies' Effective Interest Rate on Debt % too high?
AS Bercman Technologies' current Effective Interest Rate on Debt % is 29.41%. Overall, AS Bercman Technologies has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AS Bercman Technologies' Effective Interest Rate on Debt % compare to UBER and SHOP?
AS Bercman Technologies' Effective Interest Rate on Debt % of 29.41% 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 AS Bercman Technologies and its competitors. AS Bercman Technologies's current Effective Interest Rate on Debt % is 29.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AS Bercman Technologies stock overvalued right now?
Based on GuruFocus' analysis, AS Bercman Technologies (OTSE:BERCM) is currently considered Possible Value Trap. The stock's GF Value™ is €1.90, compared to a current price of €1.18 — trading 37.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 29.41%. AS Bercman Technologies' overall GF Score™ is 55/100 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 AS Bercman Technologies (OTSE:BERCM), the current Effective Interest Rate on Debt % is 29.41% 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 AS Bercman Technologies (OTSE:BERCM) Overvalued in 2026?

Based on GuruFocus' analysis, AS Bercman Technologies stock appears to be undervalued. The current stock price of €1.18 is trading 37.9% below its estimated GF Value™ of €1.90. GuruFocus considers AS Bercman Technologies to be Possible Value Trap.

Key valuation signals for OTSE:BERCM:

  • Effective Interest Rate on Debt %: 29.41%
  • GF Value™: €1.90 vs. price of €1.18 (37.9% below fair value)
  • GF Score™: 55/100 with 4 warning signs

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


AS Bercman Technologies Business Description

Address Riia 26, Tartu maakond, Tartu, EST, 50405
AS Bercman Technologies is a technology company. It is engaged in the development and sale of Smart City and mobility-related technologies and products to European markets. The company offers solutions related to traffic and public transportation such as Smart Pedestrian Crosswalks, Smart Mobility Hubs, Traffic Sensing with V2X, Automatic giving way detection, Smart Intersection Control, and Railway Management Systems. The company's main target market is the European Union Member States, mainly due to the similarities of the Union-wide regulations.
55GF Score

Get the complete analysis for OTSE:BERCM

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

€1.18
Price
€1.90
GF Value