Aiforia Technologies (STU:L6J) Effective Interest Rate on Debt %: 17.64% (As of Dec. 2025)

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STU:L6J Aiforia Technologies PLC STU:L6J
53 GF Score
Price €1.11
GF Value €3.32
Valuation Possible Value Trap
! 6 Warning Signs
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What is Aiforia Technologies Effective Interest Rate on Debt %?

Aiforia Technologies STU:L6J +4.72% 53 Effective Interest Rate on Debt % is 17.64% as of Dec. 2025. GuruFocus rates STU:L6J with a GF Score™ of 53/100 and a GF Value™ of €3.32 (Possible Value Trap). The stock has 6 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. Aiforia Technologies's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €1.22 Mil. Aiforia Technologies's average total debt for the quarter that ended in Dec. 2025 was €6.90 Mil. Therefore, Aiforia Technologies's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 17.64%.


Aiforia Technologies  (STU:L6J) Effective Interest Rate on Debt % Explanation

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


Aiforia Technologies Effective Interest Rate on Debt % Related Terms


Aiforia Technologies Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Aiforia 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.

Aiforia Technologies Effective Interest Rate on Debt % Chart

Aiforia Technologies Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 97.34 5.17 3.93 7.51 7.73

Aiforia Technologies Semi-Annual Data
Dec18 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 16.79 7.10 21.56 38.57 17.64

STU:L6J vs VEEV, BTSG, HQY: Effective Interest Rate on Debt % Comparison

For the Health Information Services subindustry, Aiforia 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.


Aiforia Technologies Effective Interest Rate on Debt % vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Aiforia Technologies's Effective Interest Rate on Debt % distribution charts can be found below:

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


STU:L6J
53GF Score
Aiforia Technologies PLC STU:L6J
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Aiforia Technologies Effective Interest Rate on Debt % Calculation

Aiforia Technologies'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  *  -0.531/( (6.562+7.18)/ 2 )
=-1  *  -0.531/6.871
=7.73 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.649 + 0.913
=6.562

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.431 + 0.749
=7.18

Aiforia Technologies'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  *  -1.218/( (6.628+7.18)/ 2 )
=-1  *  -1.218/6.904
=17.64 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.685 + 0.943
=6.628

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.431 + 0.749
=7.18

* 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 17.64% mean?
Aiforia Technologies (STU:L6J) has a Effective Interest Rate on Debt % of 17.64% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Aiforia Technologies and its competitors.
Is Aiforia Technologies' Effective Interest Rate on Debt % too high?
Aiforia Technologies' current Effective Interest Rate on Debt % is 17.64%. Overall, Aiforia Technologies has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Aiforia Technologies' Effective Interest Rate on Debt % compare to VEEV and BTSG?
Aiforia Technologies' Effective Interest Rate on Debt % of 17.64% can be compared against companies in the Healthcare Providers & Services 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 Healthcare Providers & Services company?
A good Effective Interest Rate on Debt % depends on the Healthcare Providers & Services 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 Aiforia Technologies and its competitors. Aiforia Technologies's current Effective Interest Rate on Debt % is 17.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aiforia Technologies stock overvalued right now?
Based on GuruFocus' analysis, Aiforia Technologies (STU:L6J) is currently considered Possible Value Trap. The stock's GF Value™ is €3.32, compared to a current price of €1.11 — trading 66.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 17.64%. Aiforia Technologies' overall GF Score™ is 53/100 with 6 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 Aiforia Technologies (STU:L6J), the current Effective Interest Rate on Debt % is 17.64% 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.

Is Aiforia Technologies (STU:L6J) Overvalued in 2026?

Based on GuruFocus' analysis, Aiforia Technologies stock appears to be undervalued. The current stock price of €1.11 is trading 66.6% below its estimated GF Value™ of €3.32. GuruFocus considers Aiforia Technologies to be Possible Value Trap.

Key valuation signals for STU:L6J:

  • Effective Interest Rate on Debt %: 17.64%
  • GF Value™: €3.32 vs. price of €1.11 (66.6% below fair value)
  • GF Score™: 53/100 with 6 warning signs

No single metric tells the full story. See the STU:L6J stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Aiforia Technologies Business Description

Other Exchanges AIFORIA:FinlandL6J:Germany
Address Pursimiehenkatu 29-31 D, Helsinki, FIN, FI-00150
Aiforia Technologies PLC is a Finnish company developing artificial intelligence-based image analysis software for medical research and diagnostics and aiming for international growth. The company equips pathologists and scientists in preclinical and clinical labs with powerful deep learning artificial intelligence software for translating images into discoveries, decisions, and diagnoses. The cloud based Aiforia products and services plan to escalate the efficiency and precision of medical image analysis beyond current capabilities, across a variety of fields from oncology to neuroscience and more.
53GF Score

Get the complete analysis for STU:L6J

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.11
Price
€3.32
GF Value