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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. Specificity's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0.20 Mil. Specificity's average total debt for the quarter that ended in Mar. 2026 was $1.56 Mil. Therefore, Specificity's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 12.78%.
Specificity (OTCPK:SPTY) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Specificity Effective Interest Rate on Debt % Related Terms
Specificity Effective Interest Rate on Debt % Historical Data
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The historical data trend for Specificity'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.
Specificity Effective Interest Rate on Debt % Chart
SPTY vs STFS, TDIC, CHR: Effective Interest Rate on Debt % Comparison
For the Advertising Agencies subindustry, Specificity'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.
Specificity Effective Interest Rate on Debt % vs Media - Diversified Industry
For the Media - Diversified industry and Communication Services sector, Specificity's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Specificity's Effective Interest Rate on Debt % falls into.
* 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 12.78% mean?
Specificity (SPTY) has a Effective Interest Rate on Debt % of 12.78% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Specificity and its competitors.
Is Specificity's Effective Interest Rate on Debt % too high?
Specificity's current Effective Interest Rate on Debt % is 12.78%. Overall, Specificity has a GF Score™ of 22/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Specificity's Effective Interest Rate on Debt % compare to STFS and TDIC?
Specificity's Effective Interest Rate on Debt % of 12.78% can be compared against companies in the Media - Diversified 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 Media - Diversified company?
A good Effective Interest Rate on Debt % depends on the Media - Diversified 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 Specificity and its competitors. Specificity's current Effective Interest Rate on Debt % is 12.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Specificity stock overvalued right now?
Based on GuruFocus' analysis, Specificity (SPTY) is currently considered Possible Value Trap. The stock's GF Value™ is $0.36, compared to a current price of $0.23 — trading 36.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 12.78%. Specificity's overall GF Score™ is 22/100 with 3 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 Specificity (SPTY), the current Effective Interest Rate on Debt % is 12.78% 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 Specificity (SPTY) Overvalued in 2026?
Based on GuruFocus' analysis, Specificity stock appears to be undervalued.
The current stock price of $0.23 is trading 36.1% below its estimated GF Value™ of $0.36.
GuruFocus considers Specificity to be Possible Value Trap.
Key valuation signals for SPTY:
Effective Interest Rate on Debt %: 12.78%
GF Value™: $0.36 vs. price of $0.23 (36.1% below fair value)
No single metric tells the full story. See the SPTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Specificity Inc is a full-service digital marketing firm that delivers cutting-edge marketing solutions to identify and market in real-time to potential customers who are actively in the buying cycle. The company also implements intuitive ad sequencing, audience ID technology, AI integration, saturation modeling, conversion funneling, CRM integration, traffic resolution, and comprehensive analytics reporting. The company principally generates revenue from its digital marketing solution, SPECIFICITY. Its other marketing solutions in different stages of development are: Tradigital Partners, Put-Thru, and Pick Pocket. The company also engages in ad-hoc marketing services for a fee and includes email marketing, automated marketing, content marketing, social media content creation, and others.
22GF 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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