PRLPF (Propel Holdings) Effective Interest Rate on Debt %: 10.71% (As of Mar. 2026)


PRLPF Propel Holdings Inc PRLPF
72 GF Score
Price $16.64
GF Value $23.32
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Propel Holdings Effective Interest Rate on Debt %?

Propel Holdings PRLPF 72 Effective Interest Rate on Debt % is 10.71% as of Mar. 2026. GuruFocus rates PRLPF with a GF Score™ of 72/100 and a GF Value™ of $23.32 (Modestly Undervalued). The stock has 5 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. Propel Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $36.0 Mil. Propel Holdings's average total debt for the quarter that ended in Mar. 2026 was $336.3 Mil. Therefore, Propel Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 10.71%.

Propel Holdings  (OTCPK:PRLPF) Effective Interest Rate on Debt % Explanation

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

Propel Holdings Effective Interest Rate on Debt % Related Terms

Propel Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Propel Holdings'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.

Propel Holdings Effective Interest Rate on Debt % Chart

Propel Holdings Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 11.19 10.08 12.92 13.39 11.33

Propel Holdings 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 12.72 11.82 11.65 10.83 10.71

PRLPF vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Propel Holdings'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.

Propel Holdings Effective Interest Rate on Debt % vs Credit Services Industry

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

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


PRLPF
72GF Score
Propel Holdings Inc PRLPF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Propel Holdings Effective Interest Rate on Debt % Calculation

Propel Holdings'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  *  -34.736/( (274.288+339.037)/ 2 )
=-1  *  -34.736/306.6625
=11.33 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.462 + 272.826
=274.288

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.348 + 330.689
=339.037

Propel Holdings'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  *  -36.02/( (339.037+333.592)/ 2 )
=-1  *  -36.02/336.3145
=10.71 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.348 + 330.689
=339.037

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.303 + 325.289
=333.592

* 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 10.71% mean?
Propel Holdings (PRLPF) has a Effective Interest Rate on Debt % of 10.71% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Propel Holdings and its competitors.
Is Propel Holdings' Effective Interest Rate on Debt % too high?
Propel Holdings' current Effective Interest Rate on Debt % is 10.71%. Overall, Propel Holdings has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Propel Holdings' Effective Interest Rate on Debt % compare to V and MA?
Propel Holdings' Effective Interest Rate on Debt % of 10.71% can be compared against companies in the Credit 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit 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 Propel Holdings and its competitors. Propel Holdings's current Effective Interest Rate on Debt % is 10.71%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Propel Holdings stock overvalued right now?
Based on GuruFocus' analysis, Propel Holdings (PRLPF) is currently considered Modestly Undervalued. The stock's GF Value™ is $23.32, compared to a current price of $16.64 — trading 28.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 10.71%. Propel Holdings' overall GF Score™ is 72/100 with 5 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 Propel Holdings (PRLPF), the current Effective Interest Rate on Debt % is 10.71% 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 Propel Holdings (PRLPF) Overvalued in 2026?

Based on GuruFocus' analysis, Propel Holdings stock appears to be undervalued. The current stock price of $16.64 is trading 28.6% below its estimated GF Value™ of $23.32. GuruFocus considers Propel Holdings to be Modestly Undervalued.

Key valuation signals for PRLPF:

  • Effective Interest Rate on Debt %: 10.71%
  • GF Value™: $23.32 vs. price of $16.64 (28.6% below fair value)
  • GF Score™: 72/100 with 5 warning signs

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

Propel Holdings Business Description

Other Exchanges 8KO:GermanyPRL:Canada
Address 69 Yonge Street, Suite 1500, Toronto, ON, CAN, M5E 1K3
Propel Holdings Inc is a financial technology (fintech) company, committed to credit inclusion by facilitating fair, fast, and transparent access to credit through its proprietary, online lending platform. All the firm's operations are conducted through its consumer-facing brands: MoneyKey, CreditFresh, Fora Credit, and QuidMarket.
72GF 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.

$16.64
Price
$23.32
GF Value