VISIF (Visional) Effective Interest Rate on Debt %: 1.06% (As of Jan. 2026)


VISIF Visional Inc VISIF
64 GF Score
Price $46.00
GF Value $102.50
Valuation Significantly Undervalued
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What is Visional Effective Interest Rate on Debt %?

Visional VISIF -1.69% 64 Effective Interest Rate on Debt % is 1.06% as of Jan. 2026. GuruFocus rates VISIF with a GF Score™ of 64/100 and a GF Value™ of $102.50 (Significantly Undervalued).

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. Visional's annualized positive value of Interest Expense for the quarter that ended in Jan. 2026 was $0.0 Mil. Visional's average total debt for the quarter that ended in Jan. 2026 was $2.3 Mil. Therefore, Visional's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 was 1.06%.


Visional  (OTCPK:VISIF) Effective Interest Rate on Debt % Explanation

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


Visional Effective Interest Rate on Debt % Related Terms


Visional Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Visional'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.

Visional Effective Interest Rate on Debt % Chart

Visional Annual Data
Trend Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.22 0.11 0.00 0.00 1.27

Visional Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 5.80 0.00 1.71 1.06 3.41

VISIF vs GOOGL, META, SPOT: Effective Interest Rate on Debt % Comparison

For the Internet Content & Information subindustry, Visional'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.


Visional Effective Interest Rate on Debt % vs Interactive Media Industry

For the Interactive Media industry and Communication Services sector, Visional's Effective Interest Rate on Debt % distribution charts can be found below:

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


VISIF
64GF Score
Visional Inc VISIF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Visional Effective Interest Rate on Debt % Calculation

Visional's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jul. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jul. 2024 )+Total Debt  (A: Jul. 2025 ))/ count )
=-1  *  -0.007/( (0.292+0.808)/ 2 )
=-1  *  -0.007/0.55
=1.27 %

where

Total Debt  (A: Jul. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.235 + 0.057
=0.292

Total Debt  (A: Jul. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.543 + 0.265
=0.808

Visional's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Oct. 2025 )+Total Debt  (Q: Jan. 2026 ))/ count )
=-1  *  -0.024/( (2.458+2.062)/ 2 )
=-1  *  -0.024/2.26
=1.06 %

where

Total Debt  (Q: Oct. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.114 + 0.344
=2.458

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.794 + 0.268
=2.062

* 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 (Jan. 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 1.06% mean?
Visional (VISIF) has a Effective Interest Rate on Debt % of 1.06% as of Jan. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Visional and its competitors.
Is Visional's Effective Interest Rate on Debt % too high?
Visional's current Effective Interest Rate on Debt % is 1.06%. Overall, Visional has a GF Score™ of 64/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Visional's Effective Interest Rate on Debt % compare to GOOGL and META?
Visional's Effective Interest Rate on Debt % of 1.06% can be compared against companies in the Interactive Media 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 an Interactive Media company?
A good Effective Interest Rate on Debt % depends on the Interactive Media 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 Visional and its competitors. Visional's current Effective Interest Rate on Debt % is 1.06%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Visional stock overvalued right now?
Based on GuruFocus' analysis, Visional (VISIF) is currently considered Significantly Undervalued. The stock's GF Value™ is $102.50, compared to a current price of $46.00 — trading 55.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 1.06%. Visional's overall GF Score™ is 64/100. 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 Visional (VISIF), the current Effective Interest Rate on Debt % is 1.06% as of Jan. 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 Visional (VISIF) Overvalued in 2026?

Based on GuruFocus' analysis, Visional stock appears to be undervalued. The current stock price of $46.00 is trading 55.1% below its estimated GF Value™ of $102.50. GuruFocus considers Visional to be Significantly Undervalued.

Key valuation signals for VISIF:

  • Effective Interest Rate on Debt %: 1.06%
  • GF Value™: $102.50 vs. price of $46.00 (55.1% below fair value)
  • GF Score™: 64/100

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


Visional Business Description

Other Exchanges 4194:Japan
Address 2-15-1 Shibuya, Shibuya-ku, Tokyo, JPN, 150-0002
Visional Inc is engaged in operation of internet services including BizReach, an online direct recruiting platform specialized for professionals.
64GF Score

Get the complete analysis for VISIF

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

$46.00
Price
$102.50
GF Value