SLNFF (Solution Financial) Effective Interest Rate on Debt %: 17.76% (As of Apr. 2026)


SLNFF Solution Financial Inc SLNFF
41 GF Score
Price $0.19
GF Value $0.20
Valuation Fairly Valued
! 5 Warning Signs
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What is Solution Financial Effective Interest Rate on Debt %?

Solution Financial SLNFF +0.05% 41 Effective Interest Rate on Debt % is 17.76% as of Apr. 2026. GuruFocus rates SLNFF with a GF Score™ of 41/100 and a GF Value™ of $0.20 (Fairly Valued). 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. Solution Financial's annualized positive value of Interest Expense for the quarter that ended in Apr. 2026 was $0.88 Mil. Solution Financial's average total debt for the quarter that ended in Apr. 2026 was $4.95 Mil. Therefore, Solution Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 was 17.76%.


Solution Financial  (OTCPK:SLNFF) Effective Interest Rate on Debt % Explanation

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


Solution Financial Effective Interest Rate on Debt % Related Terms


Solution Financial Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Solution Financial'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.

Solution Financial Effective Interest Rate on Debt % Chart

Solution Financial Annual Data
Trend Sep16 Sep17 Oct18 Oct19 Oct20 Oct21 Oct22 Oct23 Oct24 Oct25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.46 4.81 12.27 32.98 20.09

Solution Financial Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 25.21 25.13 17.23 15.49 17.76

SLNFF vs CVNA, PAG, ALTB: Effective Interest Rate on Debt % Comparison

For the Auto & Truck Dealerships subindustry, Solution Financial'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.


Solution Financial Effective Interest Rate on Debt % vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, Solution Financial's Effective Interest Rate on Debt % distribution charts can be found below:

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


SLNFF
41GF Score
Solution Financial Inc SLNFF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Solution Financial Effective Interest Rate on Debt % Calculation

Solution Financial's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Oct. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Oct. 2024 )+Total Debt  (A: Oct. 2025 ))/ count )
=-1  *  -0.859/( (2.242+6.31)/ 2 )
=-1  *  -0.859/4.276
=20.09 %

where

Total Debt  (A: Oct. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.009 + 2.233
=2.242

Total Debt  (A: Oct. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.009 + 6.301
=6.31

Solution Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jan. 2026 )+Total Debt  (Q: Apr. 2026 ))/ count )
=-1  *  -0.88/( (5.106+4.803)/ 2 )
=-1  *  -0.88/4.9545
=17.76 %

where

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.011 + 5.095
=5.106

Total Debt  (Q: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.008 + 4.795
=4.803

* 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 (Apr. 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 17.76% mean?
Solution Financial (SLNFF) has a Effective Interest Rate on Debt % of 17.76% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Solution Financial and its competitors.
Is Solution Financial's Effective Interest Rate on Debt % too high?
Solution Financial's current Effective Interest Rate on Debt % is 17.76%. Overall, Solution Financial has a GF Score™ of 41/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Solution Financial's Effective Interest Rate on Debt % compare to CVNA and PAG?
Solution Financial's Effective Interest Rate on Debt % of 17.76% can be compared against companies in the Vehicles & Parts 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 Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts 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 Solution Financial and its competitors. Solution Financial's current Effective Interest Rate on Debt % is 17.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solution Financial stock overvalued right now?
Based on GuruFocus' analysis, Solution Financial (SLNFF) is currently considered Fairly Valued. The stock's GF Value™ is $0.20, compared to a current price of $0.19 — trading 3.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 17.76%. Solution Financial's overall GF Score™ is 41/100 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 Solution Financial (SLNFF), the current Effective Interest Rate on Debt % is 17.76% as of Apr. 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 Solution Financial (SLNFF) Overvalued in 2026?

Based on GuruFocus' analysis, Solution Financial stock appears to be undervalued. The current stock price of $0.19 is trading 3.2% below its estimated GF Value™ of $0.20. GuruFocus considers Solution Financial to be Fairly Valued.

Key valuation signals for SLNFF:

  • Effective Interest Rate on Debt %: 17.76%
  • GF Value™: $0.20 vs. price of $0.19 (3.2% below fair value)
  • GF Score™: 41/100 with 5 warning signs

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


Solution Financial Business Description

Other Exchanges SFI:Canada
Address 8680 Cambie Road, Unit 137, Richmond, BC, CAN, V6X 4K1
Solution Financial Inc. specializes in sourcing and leasing solutions for luxury and exotic vehicles, yachts and other high value assets in Canada. The Company operates through retail sales, leases, and financing for automotive vehicles, boats, and commercial equipment and out of three locations being Richmond, British Columbia, Calgary, Alberta and Vaughan, Ontario. The company generates majority of its revenue from sale of vehicles.
41GF Score

Get the complete analysis for SLNFF

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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