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. Topicus com's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $39 Mil. Topicus com's average total debt for the quarter that ended in Mar. 2026 was $779 Mil. Therefore, Topicus com's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.03%.
Topicus com (OTCPK:TOITF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Topicus com Effective Interest Rate on Debt % Related Terms
Topicus com Effective Interest Rate on Debt % Historical Data
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The historical data trend for Topicus com'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.
Topicus com Effective Interest Rate on Debt % Chart
TOITF vs MSFT, ORCL, PLTR: Effective Interest Rate on Debt % Comparison
For the Software - Infrastructure subindustry, Topicus com'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.
Topicus com Effective Interest Rate on Debt % vs Software Industry
For the Software industry and Technology sector, Topicus com's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Topicus com'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 5.03% mean?
Topicus com (TOITF) has a Effective Interest Rate on Debt % of 5.03% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Topicus com and its competitors.
Is Topicus com's Effective Interest Rate on Debt % too high?
Topicus com's current Effective Interest Rate on Debt % is 5.03%. Overall, Topicus com has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Topicus com's Effective Interest Rate on Debt % compare to MSFT and ORCL?
Topicus com's Effective Interest Rate on Debt % of 5.03% 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 Topicus com and its competitors. Topicus com's current Effective Interest Rate on Debt % is 5.03%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Topicus com stock overvalued right now?
Based on GuruFocus' analysis, Topicus com (TOITF) is currently considered Significantly Undervalued. The stock's GF Value™ is $129.74, compared to a current price of $64.75 — trading 50.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 5.03%. Topicus com's overall GF Score™ is 58/100 with 4 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 Topicus com (TOITF), the current Effective Interest Rate on Debt % is 5.03% 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 Topicus com (TOITF) Overvalued in 2026?
Based on GuruFocus' analysis, Topicus com stock appears to be undervalued.
The current stock price of $64.75 is trading 50.1% below its estimated GF Value™ of $129.74.
GuruFocus considers Topicus com to be Significantly Undervalued.
Key valuation signals for TOITF:
Effective Interest Rate on Debt %: 5.03%
GF Value™: $129.74 vs. price of $64.75 (50.1% below fair value)
No single metric tells the full story. See the TOITF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Topicus com Inc is engaged in the development, installation, and customization of vertical market software and the provision of related professional services and support for customers across several diverse markets, mainly in Europe. Its revenue consists mainly of software license fees, maintenance and other recurring fees, professional service fees, and hardware sales. Geographically, the company generates maximum revenue from its business in the Netherlands, and the rest from other markets.
58GF 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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