Cyber Folks (WAR:CBF) Effective Interest Rate on Debt %: 6.26% (As of Mar. 2026)

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WAR:CBF Cyber Folks SA WAR:CBF
92 GF Score
Price zł191.60
GF Value zł201.48
Valuation Fairly Valued
! 1 Warning Sign
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What is Cyber Folks Effective Interest Rate on Debt %?

Cyber Folks WAR:CBF -0.21% 92 Effective Interest Rate on Debt % is 6.26% as of Mar. 2026. GuruFocus rates WAR:CBF with a GF Score™ of 92/100 and a GF Value™ of zł201.48 (Fairly Valued). The stock has 1 warning sign 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. Cyber Folks's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was zł44.4 Mil. Cyber Folks's average total debt for the quarter that ended in Mar. 2026 was zł709.0 Mil. Therefore, Cyber Folks's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 6.26%.


Cyber Folks  (WAR:CBF) Effective Interest Rate on Debt % Explanation

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


Cyber Folks Effective Interest Rate on Debt % Related Terms


Cyber Folks Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Cyber Folks'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.

Cyber Folks Effective Interest Rate on Debt % Chart

Cyber Folks Annual Data
Trend Jun15 Jun16 Jun17 Jun18 Jun19 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.04 7.21 8.70 7.83 11.00

Cyber Folks Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 8.92 8.70 8.24 6.90 6.26

WAR:CBF vs IBM, ACN, FISV: Effective Interest Rate on Debt % Comparison

For the Information Technology Services subindustry, Cyber Folks'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.


Cyber Folks Effective Interest Rate on Debt % vs Software Industry

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

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


WAR:CBF
92GF Score
Cyber Folks SA WAR:CBF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cyber Folks Effective Interest Rate on Debt % Calculation

Cyber Folks'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  *  -51.958/( (229.74+714.872)/ 2 )
=-1  *  -51.958/472.306
=11.00 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=167.854 + 61.886
=229.74

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=580.328 + 134.544
=714.872

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

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -44.372/( (714.872+703.122)/ 2 )
=-1  *  -44.372/708.997
=6.26 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=580.328 + 134.544
=714.872

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=568.734 + 134.388
=703.122

* 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 6.26% mean?
Cyber Folks (WAR:CBF) has a Effective Interest Rate on Debt % of 6.26% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Cyber Folks and its competitors.
Is Cyber Folks' Effective Interest Rate on Debt % too high?
Cyber Folks' current Effective Interest Rate on Debt % is 6.26%. Overall, Cyber Folks has a GF Score™ of 92/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cyber Folks' Effective Interest Rate on Debt % compare to IBM and ACN?
Cyber Folks' Effective Interest Rate on Debt % of 6.26% 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 Cyber Folks and its competitors. Cyber Folks's current Effective Interest Rate on Debt % is 6.26%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cyber Folks stock overvalued right now?
Based on GuruFocus' analysis, Cyber Folks (WAR:CBF) is currently considered Fairly Valued. The stock's GF Value™ is zł201.48, compared to a current price of zł191.60 — trading 4.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 6.26%. Cyber Folks' overall GF Score™ is 92/100 with 1 warning sign 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 Cyber Folks (WAR:CBF), the current Effective Interest Rate on Debt % is 6.26% 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 Cyber Folks (WAR:CBF) Overvalued in 2026?

Based on GuruFocus' analysis, Cyber Folks stock appears to be undervalued. The current stock price of zł191.60 is trading 4.9% below its estimated GF Value™ of zł201.48. GuruFocus considers Cyber Folks to be Fairly Valued.

Key valuation signals for WAR:CBF:

  • Effective Interest Rate on Debt %: 6.26%
  • GF Value™: zł201.48 vs. price of zł191.60 (4.9% below fair value)
  • GF Score™: 92/100 with 1 warning sign

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


Cyber Folks Business Description

Other Exchanges 0K0:Germany
Address Ulica Franklin Roosevelt 22, Poznan, POL, 60-829
Cyber Folks SA Formerly R22 SA is a technology company. The company focuses on scalable services offered in the subscription model and SaaS, operates within the entire value chain - from creating its own solutions, through their maintenance from the technological side, to sales and customer service. It offers hosting services and domain sales, omnichannel communication services automating electronic communication with recipients and telecommunications services.
92GF Score

Get the complete analysis for WAR:CBF

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

zł191.60
Price
zł201.48
GF Value