PSSWF (PSI Software SE) Effective Interest Rate on Debt %: 5.34% (As of Sep. 2025)


PSSWF PSI Software SE PSSWF
74 GF Score
Price $23.79
GF Value $14.93
! 7 Warning Signs
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What is PSI Software SE Effective Interest Rate on Debt %?

PSI Software SE PSSWF 74 Effective Interest Rate on Debt % is 5.34% as of Sep. 2025. GuruFocus rates PSSWF with a GF Score™ of 74/100 and a GF Value™ of $14.93. The stock has 7 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. PSI Software SE's annualized positive value of Interest Expense for the quarter that ended in Sep. 2025 was $4.2 Mil. PSI Software SE's average total debt for the quarter that ended in Sep. 2025 was $77.9 Mil. Therefore, PSI Software SE's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 was 5.34%.


PSI Software SE  (OTCPK:PSSWF) Effective Interest Rate on Debt % Explanation

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


PSI Software SE Effective Interest Rate on Debt % Related Terms


PSI Software SE Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for PSI Software SE'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.

PSI Software SE Effective Interest Rate on Debt % Chart

PSI Software SE Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.79 3.57 3.80 10.21 7.45

PSI Software SE Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
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 13.42 13.04 6.64 10.09 5.34

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

For the Software - Application subindustry, PSI Software SE'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.


PSI Software SE Effective Interest Rate on Debt % vs Software Industry

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

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


PSSWF
74GF Score
PSI Software SE PSSWF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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PSI Software SE Effective Interest Rate on Debt % Calculation

PSI Software SE's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -3.737/( (43.409+56.889)/ 2 )
=-1  *  -3.737/50.149
=7.45 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=33.923 + 9.486
=43.409

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=25.999 + 30.89
=56.889

PSI Software SE's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Sep. 2025 ))/ count )
=-1  *  -4.164/( (51.836+104.031)/ 2 )
=-1  *  -4.164/77.9335
=5.34 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=23.278 + 28.558
=51.836

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=69.835 + 34.196
=104.031

* 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 (Sep. 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 5.34% mean?
PSI Software SE (PSSWF) has a Effective Interest Rate on Debt % of 5.34% as of Sep. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PSI Software SE and its competitors.
Is PSI Software SE's Effective Interest Rate on Debt % too high?
PSI Software SE's current Effective Interest Rate on Debt % is 5.34%. Overall, PSI Software SE has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does PSI Software SE's Effective Interest Rate on Debt % compare to UBER and SHOP?
PSI Software SE's Effective Interest Rate on Debt % of 5.34% 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 PSI Software SE and its competitors. PSI Software SE's current Effective Interest Rate on Debt % is 5.34%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PSI Software SE stock overvalued right now?
PSI Software SE (PSSWF) has a current Effective Interest Rate on Debt % of 5.34%. The stock's GF Value™ is $14.93, compared to a current price of $23.79 — trading 59.4% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.34%. PSI Software SE's overall GF Score™ is 74/100 with 7 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 PSI Software SE (PSSWF), the current Effective Interest Rate on Debt % is 5.34% as of Sep. 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 PSI Software SE (PSSWF) Overvalued in 2026?

Based on GuruFocus' analysis, PSI Software SE stock appears to be overvalued. The current stock price of $23.79 is trading 59.4% above its estimated GF Value™ of $14.93.

Key valuation signals for PSSWF:

  • Effective Interest Rate on Debt %: 5.34%
  • GF Value™: $14.93 vs. price of $23.79 (59.4% above fair value)
  • GF Score™: 74/100 with 7 warning signs

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


PSI Software SE Business Description

Other Exchanges 0KUR:UKPSAN:Germany
Address Dircksenstrasse 42- 44, Berlin, BB, DEU, 10178
PSI Software SE is a software producer in process control and information systems. Its core business consists of process control and information systems for managing energy and material flows in industries tailored to the electricity, gas, oil, and district heating sectors, engineering, automobile, and automotive supply and logistics sectors. The company's segments include Energy Management, which offers intelligent solutions for utility companies in the electricity, gas, oil, and water sectors; the Production Management segment provides solutions for planning and controlling production processes in metals production, logistics, mechanical engineering, and automotive manufacturing. It generates maximum revenue from the Energy Management segment.
74GF Score

Get the complete analysis for PSSWF

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

$23.79
Price
$14.93
GF Value