SWRD (Stewards) Effective Interest Rate on Debt %: 18.22% (As of Sep. 2023)


SWRD Stewards Inc SWRD
29 GF Score
Price $2.75
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What is Stewards Effective Interest Rate on Debt %?

Stewards SWRD -8.33% 29 Effective Interest Rate on Debt % is 18.22% as of Sep. 2023. GuruFocus rates SWRD with a GF Score™ of 29/100.

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. Stewards's annualized positive value of Interest Expense for the quarter that ended in Sep. 2023 was $5.72 Mil. Stewards's average total debt for the quarter that ended in Sep. 2023 was $31.36 Mil. Therefore, Stewards's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2023 was 18.22%.

Stewards  (OTCPK:SWRD) Effective Interest Rate on Debt % Explanation

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

Stewards Effective Interest Rate on Debt % Related Terms

Stewards Effective Interest Rate on Debt % Historical Data

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The historical data trend for Stewards'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.

Stewards Effective Interest Rate on Debt % Chart

Stewards Annual Data
Trend Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.40 10.29 4.92 7.41 5.41

Stewards Quarterly Data
Dec09 Mar10 Jun10 Sep10 Dec10 Mar11 Jun11 Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Sep22 Sep23
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 0.00 0.00 40.00 0.00 18.22

SWRD vs RAHGF, BWMY, V: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Stewards'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.

Stewards Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Stewards's Effective Interest Rate on Debt % distribution charts can be found below:

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


SWRD
29GF Score
Stewards Inc SWRD
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Stewards Effective Interest Rate on Debt % Calculation

Stewards's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2013 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2012 )+Total Debt  (A: Dec. 2013 ))/ count )
=-1  *  -0.001/( (0.027+0.01)/ 2 )
=-1  *  -0.001/0.0185
=5.41 %

where

Total Debt  (A: Dec. 2012 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0.027
=0.027

Total Debt  (A: Dec. 2013 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0.01
=0.01

Stewards's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2023 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2022 )+Total Debt  (Q: Sep. 2023 ))/ count )
=-1  *  -5.716/( (0+31.364)/ 1 )
=-1  *  -5.716/31.364
=18.22 %

where

Total Debt  (Q: Sep. 2022 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Total Debt  (Q: Sep. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=31.364 + 0
=31.364

* 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 (Sep. 2023) 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 18.22% mean?
Stewards (SWRD) has a Effective Interest Rate on Debt % of 18.22% as of Sep. 2023. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Stewards and its competitors.
Is Stewards' Effective Interest Rate on Debt % too high?
Stewards' current Effective Interest Rate on Debt % is 18.22%. Overall, Stewards has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does Stewards' Effective Interest Rate on Debt % compare to RAHGF and BWMY?
Stewards' Effective Interest Rate on Debt % of 18.22% can be compared against companies in the Credit 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit 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 Stewards and its competitors. Stewards's current Effective Interest Rate on Debt % is 18.22%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stewards stock overvalued right now?
Stewards (SWRD) has a current Effective Interest Rate on Debt % of 18.22%. The current Effective Interest Rate on Debt % is 18.22%. Stewards' overall GF Score™ is 29/100. 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 Stewards (SWRD), the current Effective Interest Rate on Debt % is 18.22% as of Sep. 2023. 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.

Stewards Business Description

Address 4300 N. University Drive, Suite D-105, Lauderhill, FL, USA, 33351
Stewards Inc is a diversified financial services company with two complementary business platforms: Private Credit and Real Estate. It provides alternative financing solutions to small and medium-sized businesses (SMBs) underserved by traditional lenders, while also building a portfolio of income-producing and value enhancing real estate assets. The Private Credit Division provides revenue-based funding and related financing products to SMBs nationwide. The Real Estate Division targets strategic investments in residential, mixed-use, and commercial properties designed to generate stable rental income and have the potential for long-term value appreciation. It operates in two segments Financing Solutions, and Real Estate Operations.
29GF 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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