Info-Tech Systems (SGX:ITS) Effective Interest Rate on Debt %: 9.69% (As of Dec. 2025)

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SGX:ITS Info-Tech Systems Ltd SGX:ITS
21 GF Score
Price S$0.98
! 1 Warning Sign
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What is Info-Tech Systems Effective Interest Rate on Debt %?

Info-Tech Systems SGX:ITS -0.51% 21 Effective Interest Rate on Debt % is 9.69% as of Dec. 2025. GuruFocus rates SGX:ITS with a GF Score™ of 21/100. The stock has 1 warning sign 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. Info-Tech Systems's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was S$0.36 Mil. Info-Tech Systems's average total debt for the quarter that ended in Dec. 2025 was S$3.73 Mil. Therefore, Info-Tech Systems's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 9.69%.


Info-Tech Systems  (SGX:ITS) Effective Interest Rate on Debt % Explanation

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


Info-Tech Systems Effective Interest Rate on Debt % Related Terms


Info-Tech Systems Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Info-Tech Systems'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.

Info-Tech Systems Effective Interest Rate on Debt % Chart

Info-Tech Systems Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
1.69 5.01 6.29 5.07

Info-Tech Systems Semi-Annual Data
Dec22 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial 0.00 11.85 9.88 9.75 9.69

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

For the Software - Application subindustry, Info-Tech Systems'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.


Info-Tech Systems Effective Interest Rate on Debt % vs Software Industry

For the Software industry and Technology sector, Info-Tech Systems's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Info-Tech Systems's Effective Interest Rate on Debt % falls into.


SGX:ITS
21GF Score
Info-Tech Systems Ltd SGX:ITS
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Info-Tech Systems Effective Interest Rate on Debt % Calculation

Info-Tech Systems'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  *  -0.191/( (3.542+3.993)/ 2 )
=-1  *  -0.191/3.7675
=5.07 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.422 + 1.12
=3.542

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.808 + 1.185
=3.993

Info-Tech Systems'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  *  -0.362/( (3.476+3.993)/ 2 )
=-1  *  -0.362/3.7345
=9.69 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.35 + 1.126
=3.476

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.808 + 1.185
=3.993

* 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 9.69% mean?
Info-Tech Systems (SGX:ITS) has a Effective Interest Rate on Debt % of 9.69% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Info-Tech Systems and its competitors.
Is Info-Tech Systems' Effective Interest Rate on Debt % too high?
Info-Tech Systems' current Effective Interest Rate on Debt % is 9.69%. Overall, Info-Tech Systems has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Info-Tech Systems' Effective Interest Rate on Debt % compare to UBER and SHOP?
Info-Tech Systems' Effective Interest Rate on Debt % of 9.69% 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 Info-Tech Systems and its competitors. Info-Tech Systems's current Effective Interest Rate on Debt % is 9.69%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Info-Tech Systems stock overvalued right now?
Info-Tech Systems (SGX:ITS) has a current Effective Interest Rate on Debt % of 9.69%. The current Effective Interest Rate on Debt % is 9.69%. Info-Tech Systems' overall GF Score™ is 21/100 with 1 warning sign 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 Info-Tech Systems (SGX:ITS), the current Effective Interest Rate on Debt % is 9.69% 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.

Info-Tech Systems Business Description

Address 80 Bendemeer Road, No. 01-08, Singapore, SGP, 339949
Info-Tech Systems Ltd is a one-stop Software-as-a-Service and digital solution provider for small and medium enterprises, delivering secure and scalable cloud-based business software that enables organisations to digitalise and streamline their operations. The principal activities of the Company include the sale of cloud-based human resource management software and accounting software, provision of related services and training, and the distribution of electronic security systems. Its reportable segment includes Subscription deriving maximum revenue, Services, and Hardware. It has two geographical segments Singapore and Malaysia of which majority of revenue comes from Singapore which is Sale of cloud-based HRMS and accounting software, provision of related services and training.
21GF 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.

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