TCGLF (TechCreate Group) Effective Interest Rate on Debt %: 9.51% (As of Dec. 2025)


TCGLF TechCreate Group Ltd TCGLF
19 GF Score
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What is TechCreate Group Effective Interest Rate on Debt %?

TechCreate Group TCGLF -62.34% 19 Effective Interest Rate on Debt % is 9.51% as of Dec. 2025. GuruFocus rates TCGLF with a GF Score™ of 19/100. 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. TechCreate Group's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $0.04 Mil. TechCreate Group's average total debt for the quarter that ended in Dec. 2025 was $0.40 Mil. Therefore, TechCreate Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 9.51%.


TechCreate Group  (OTCPK:TCGLF) Effective Interest Rate on Debt % Explanation

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


TechCreate Group Effective Interest Rate on Debt % Related Terms


TechCreate Group Effective Interest Rate on Debt % Historical Data

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The historical data trend for TechCreate Group'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.

TechCreate Group Effective Interest Rate on Debt % Chart

TechCreate Group Annual Data
Trend Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
0.00 9.28 9.29

TechCreate Group Semi-Annual Data
Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % 0.00 60.00 6.05 7.37 9.51

TCGLF vs ZETA, GTLB, DLO: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, TechCreate Group'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.


TechCreate Group Effective Interest Rate on Debt % vs Software Industry

For the Software industry and Technology sector, TechCreate Group's Effective Interest Rate on Debt % distribution charts can be found below:

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


TCGLF
19GF Score
TechCreate Group Ltd TCGLF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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TechCreate Group Effective Interest Rate on Debt % Calculation

TechCreate Group'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  *  -0.04/( (0.628+0.233)/ 2 )
=-1  *  -0.04/0.4305
=9.29 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.486 + 0.142
=0.628

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.16 + 0.073
=0.233

TechCreate Group'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  *  -0.038/( (0.566+0.233)/ 2 )
=-1  *  -0.038/0.3995
=9.51 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.415 + 0.151
=0.566

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.16 + 0.073
=0.233

* 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 9.51% mean?
TechCreate Group (TCGLF) has a Effective Interest Rate on Debt % of 9.51% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on TechCreate Group and its competitors.
Is TechCreate Group's Effective Interest Rate on Debt % too high?
TechCreate Group's current Effective Interest Rate on Debt % is 9.51%. Overall, TechCreate Group has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does TechCreate Group's Effective Interest Rate on Debt % compare to ZETA and GTLB?
TechCreate Group's Effective Interest Rate on Debt % of 9.51% can be compared against companies in the Software 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 Software company?
A good Effective Interest Rate on Debt % depends on the Software 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 TechCreate Group and its competitors. TechCreate Group's current Effective Interest Rate on Debt % is 9.51%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TechCreate Group stock overvalued right now?
TechCreate Group (TCGLF) has a current Effective Interest Rate on Debt % of 9.51%. The current Effective Interest Rate on Debt % is 9.51%. TechCreate Group's overall GF Score™ is 19/100 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 TechCreate Group (TCGLF), the current Effective Interest Rate on Debt % is 9.51% 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.

TechCreate Group Business Description

Address 336 Smith Street, No. 06-303, New Bridge Centre, Singapore, SGP, 050336
TechCreate Group Ltd is a Singapore-based financial technology and digital solutions provider. Its principal business includes professional services, the sale of software and maintenance licenses, and the sale of hardware, with professional services as its core segment. Its services include technology consultancy, payment system engine solutions, cybersecurity, consulting, system integration, implementation, customization, training, technical support, security and compliance, project management, and maintenance, enabling the Group to design and implement IT infrastructure, payment, and digital solutions for corporate clients. The Group serves customers in Singapore and Southeast Asia, including Brunei and Cambodia, and generates the majority of its revenue from Cambodia.
19GF 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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