Totm Technologies (SGX:42F) Effective Interest Rate on Debt %: 5.17% (As of May. 2026)

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What is Totm Technologies Effective Interest Rate on Debt %?

Totm Technologies SGX:42F Effective Interest Rate on Debt % is 5.17% as of May. 2026. 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. Totm Technologies's annualized positive value of Interest Expense for the quarter that ended in May. 2026 was S$0.04 Mil. Totm Technologies's average total debt for the quarter that ended in May. 2026 was S$0.70 Mil. Therefore, Totm Technologies's annualized Effective Interest Rate on Debt % for the quarter that ended in May. 2026 was 5.16%.


Totm Technologies  (SGX:42F) Effective Interest Rate on Debt % Explanation

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


Totm Technologies Effective Interest Rate on Debt % Related Terms


Totm Technologies Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Totm 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.

Totm Technologies Effective Interest Rate on Debt % Chart

Totm Technologies Annual Data
Trend May17 May18 May19 May20 May21 May22 May23 May24 May25 May26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.74 4.06 4.31 6.57 6.26

Totm Technologies Semi-Annual Data
Nov16 May17 Nov17 May18 Nov18 May19 Nov19 May20 Nov20 May21 Nov21 May22 Nov22 May23 Nov23 May24 Nov24 May25 Nov25 May26
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 4.66 5.95 7.35 6.49 5.17

SGX:42F vs MSFT, PLTR, ORCL: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, Totm 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.


Totm Technologies Effective Interest Rate on Debt % vs Software Industry

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

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



Totm Technologies Effective Interest Rate on Debt % Calculation

Totm Technologies's annualized Effective Interest Rate on Debt % for the fiscal year that ended in May. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: May. 2025 )+Total Debt  (A: May. 2026 ))/ count )
=-1  *  -0.056/( (1.169+0.42)/ 2 )
=-1  *  -0.056/0.7945
=7.05 %

where

Totm Technologies's annualized Effective Interest Rate on Debt % for the quarter that ended in May. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Nov. 2025 )+Total Debt  (Q: May. 2026 ))/ count )
=-1  *  -0.036/( (0.974+0.42)/ 2 )
=-1  *  -0.036/0.697
=5.16 %

where

* 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 (May. 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 5.17% mean?
Totm Technologies (SGX:42F) has a Effective Interest Rate on Debt % of 5.17% as of May. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Totm Technologies and its competitors.
Is Totm Technologies' Effective Interest Rate on Debt % too high?
Totm Technologies' current Effective Interest Rate on Debt % is 5.17%.
How does Totm Technologies' Effective Interest Rate on Debt % compare to MSFT and PLTR?
Totm Technologies' Effective Interest Rate on Debt % of 5.17% 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 Totm Technologies and its competitors. Totm Technologies's current Effective Interest Rate on Debt % is 5.17%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Totm Technologies stock overvalued right now?
Based on GuruFocus' analysis, Totm Technologies (SGX:42F) is currently considered Modestly Overvalued. The stock's GF Value™ is S$0.02, compared to a current price of S$0.02 — trading 20% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.17%. 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 Totm Technologies (SGX:42F), the current Effective Interest Rate on Debt % is 5.17% as of May. 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.

Totm Technologies Business Description

Address 47 Scotts Road, No. 02-03/04 Goldbell Towers, Singapore, SGP, 228233
Totm Technologies Ltd is a regional integrated solutions and services provider in identity management and biometric technology. Its Identity Management and Biometrics business unit serve mainly ministries and government agencies, such as Indonesia's national identity database of approximately millions of enrolled citizens. Its platforms are based on core, multimodal technologies, such as the face, finger, and iris biometrics. The company operates in Singapore and Indonesia and it generates a majority of revenue from Singapore.