SPRU (Spruce Power Holding) Effective Interest Rate on Debt %: 7.25% (As of Mar. 2026)

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SPRU Spruce Power Holding Corp SPRU
42 GF Score
Price $1.95
GF Value $4.91
Valuation Possible Value Trap
! 5 Warning Signs
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What is Spruce Power Holding Effective Interest Rate on Debt %?

Spruce Power Holding SPRU 42 Effective Interest Rate on Debt % is 7.25% as of Mar. 2026. GuruFocus rates SPRU with a GF Score™ of 42/100 and a GF Value™ of $4.91 (Possible Value Trap). 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. Spruce Power Holding's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $49.1 Mil. Spruce Power Holding's average total debt for the quarter that ended in Mar. 2026 was $677.5 Mil. Therefore, Spruce Power Holding's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 7.25%.


Spruce Power Holding  (NYSE:SPRU) Effective Interest Rate on Debt % Explanation

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


Spruce Power Holding Effective Interest Rate on Debt % Related Terms


Spruce Power Holding Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Spruce Power Holding'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.

Spruce Power Holding Effective Interest Rate on Debt % Chart

Spruce Power Holding Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 22.29 4.53 7.43 6.02 7.31

Spruce Power Holding 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 7.15 7.29 7.37 7.35 7.25

SPRU vs FTCI, ASTI, BEEM: Effective Interest Rate on Debt % Comparison

For the Solar subindustry, Spruce Power Holding'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.


Spruce Power Holding Effective Interest Rate on Debt % vs Semiconductors Industry

For the Semiconductors industry and Technology sector, Spruce Power Holding's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Spruce Power Holding's Effective Interest Rate on Debt % falls into.


SPRU
42GF Score
Spruce Power Holding Corp SPRU
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Spruce Power Holding Effective Interest Rate on Debt % Calculation

Spruce Power Holding'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  *  -50.918/( (711.071+681.894)/ 2 )
=-1  *  -50.918/696.4825
=7.31 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=681.869 + 29.202
=711.071

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=467.123 + 214.771
=681.894

Spruce Power Holding'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  *  -49.148/( (681.894+673.16)/ 2 )
=-1  *  -49.148/677.527
=7.25 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=467.123 + 214.771
=681.894

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=464.292 + 208.868
=673.16

* 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 7.25% mean?
Spruce Power Holding (SPRU) has a Effective Interest Rate on Debt % of 7.25% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Spruce Power Holding and its competitors.
Is Spruce Power Holding's Effective Interest Rate on Debt % too high?
Spruce Power Holding's current Effective Interest Rate on Debt % is 7.25%. Overall, Spruce Power Holding has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Spruce Power Holding's Effective Interest Rate on Debt % compare to FTCI and ASTI?
Spruce Power Holding's Effective Interest Rate on Debt % of 7.25% can be compared against companies in the Semiconductors 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 Semiconductors company?
A good Effective Interest Rate on Debt % depends on the Semiconductors 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 Spruce Power Holding and its competitors. Spruce Power Holding's current Effective Interest Rate on Debt % is 7.25%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Spruce Power Holding stock overvalued right now?
Based on GuruFocus' analysis, Spruce Power Holding (SPRU) is currently considered Possible Value Trap. The stock's GF Value™ is $4.91, compared to a current price of $1.95 — trading 60.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 7.25%. Spruce Power Holding's overall GF Score™ is 42/100 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 Spruce Power Holding (SPRU), the current Effective Interest Rate on Debt % is 7.25% 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 Spruce Power Holding (SPRU) Overvalued in 2026?

Based on GuruFocus' analysis, Spruce Power Holding stock appears to be undervalued. The current stock price of $1.95 is trading 60.3% below its estimated GF Value™ of $4.91. GuruFocus considers Spruce Power Holding to be Possible Value Trap.

Key valuation signals for SPRU:

  • Effective Interest Rate on Debt %: 7.25%
  • GF Value™: $4.91 vs. price of $1.95 (60.3% below fair value)
  • GF Score™: 42/100 with 5 warning signs

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


Spruce Power Holding Business Description

Address 820 Gessner Road, Suite 500, Houston, TX, USA, 77024
Spruce Power Holding Corp is an owner and operator of distributed solar energy assets across the United States (the U.S.), offering subscription-based services to home solar assets and customer contracts, making renewable energy more accessible to everyone. The Company's customers are homeowners and the Company's core solar service offerings generate revenues through, the sale of electricity generated by its home solar energy systems to homeowners, third-party contracts to sell solar renewable energy credits (SRECs) generated by the solar energy systems for fixed prices and the servicing of those agreements for other institutional owners of home solar energy systems.
42GF 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.

$1.95
Price
$4.91
GF Value