PLCKF (Plurilock Security) Effective Interest Rate on Debt %: 16.92% (As of Mar. 2026)


PLCKF Plurilock Security Inc PLCKF
39 GF Score
Price $0.08
GF Value $0.07
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Plurilock Security Effective Interest Rate on Debt %?

Plurilock Security PLCKF -3.89% 39 Effective Interest Rate on Debt % is 16.92% as of Mar. 2026. GuruFocus rates PLCKF with a GF Score™ of 39/100 and a GF Value™ of $0.07 (Modestly Overvalued). 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. Plurilock Security's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0.34 Mil. Plurilock Security's average total debt for the quarter that ended in Mar. 2026 was $2.01 Mil. Therefore, Plurilock Security's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 16.92%.

Plurilock Security  (OTCPK:PLCKF) Effective Interest Rate on Debt % Explanation

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

Plurilock Security Effective Interest Rate on Debt % Related Terms

Plurilock Security Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Plurilock Security'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.

Plurilock Security Effective Interest Rate on Debt % Chart

Plurilock Security Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 5.15 9.02 14.02 23.82 51.29

Plurilock Security 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 23.73 29.22 36.98 185.87 16.92

PLCKF vs MSFT, ORCL, PLTR: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, Plurilock Security'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.

Plurilock Security Effective Interest Rate on Debt % vs Software Industry

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

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


PLCKF
39GF Score
Plurilock Security Inc PLCKF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Plurilock Security Effective Interest Rate on Debt % Calculation

Plurilock Security'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  *  -1.005/( (1.929+1.99)/ 2 )
=-1  *  -1.005/1.9595
=51.29 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.23 + 1.699
=1.929

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.738 + 0.252
=1.99

Plurilock Security'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  *  -0.34/( (1.99+2.029)/ 2 )
=-1  *  -0.34/2.0095
=16.92 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.738 + 0.252
=1.99

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.776 + 0.253
=2.029

* 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 16.92% mean?
Plurilock Security (PLCKF) has a Effective Interest Rate on Debt % of 16.92% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Plurilock Security and its competitors.
Is Plurilock Security's Effective Interest Rate on Debt % too high?
Plurilock Security's current Effective Interest Rate on Debt % is 16.92%. Overall, Plurilock Security has a GF Score™ of 39/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Plurilock Security's Effective Interest Rate on Debt % compare to MSFT and ORCL?
Plurilock Security's Effective Interest Rate on Debt % of 16.92% 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 Plurilock Security and its competitors. Plurilock Security's current Effective Interest Rate on Debt % is 16.92%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plurilock Security stock overvalued right now?
Based on GuruFocus' analysis, Plurilock Security (PLCKF) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.07, compared to a current price of $0.08 — trading 18.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 16.92%. Plurilock Security's overall GF Score™ is 39/100 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 Plurilock Security (PLCKF), the current Effective Interest Rate on Debt % is 16.92% 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 Plurilock Security (PLCKF) Overvalued in 2026?

Based on GuruFocus' analysis, Plurilock Security stock appears to be overvalued. The current stock price of $0.08 is trading 18.6% above its estimated GF Value™ of $0.07. GuruFocus considers Plurilock Security to be Modestly Overvalued.

Key valuation signals for PLCKF:

  • Effective Interest Rate on Debt %: 16.92%
  • GF Value™: $0.07 vs. price of $0.08 (18.6% above fair value)
  • GF Score™: 39/100 with 8 warning signs

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

Plurilock Security Business Description

Other Exchanges 6590:GermanyPLUR:Canada
Address 1021 West Hastings Street, MNP Tower, 9th Floor, Vancouver, BC, CAN, V6E 0C3
Plurilock Security Inc is an identity-centric cybersecurity company that reduces or eliminates the need for passwords by measuring the pace, rhythm, and cadence of a user's keystrokes to confirm their identity. It has two operating segments, the Technology Division and the Solutions Division. The Technology division, operated under the legacy Plurilock brand, builds and operates Plurilock's own proprietary products. The Solutions division offers ASC's and INCs' services and resells cybersecurity industry products and technologies to meet customer needs.
39GF Score

Get the complete analysis for PLCKF

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

$0.08
Price
$0.07
GF Value