Quantum software (WAR:QNT) Effective Interest Rate on Debt %: 9.03% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WAR:QNT Quantum software SA WAR:QNT
84 GF Score
Price zł32.00
GF Value zł25.88
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Quantum software Effective Interest Rate on Debt %?

Quantum software WAR:QNT 84 Effective Interest Rate on Debt % is 9.03% as of Mar. 2026. GuruFocus rates WAR:QNT with a GF Score™ of 84/100 and a GF Value™ of zł25.88 (Modestly Overvalued). 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. Quantum software's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was zł0.09 Mil. Quantum software's average total debt for the quarter that ended in Mar. 2026 was zł0.97 Mil. Therefore, Quantum software's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 9.03%.


Quantum software  (WAR:QNT) Effective Interest Rate on Debt % Explanation

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


Quantum software Effective Interest Rate on Debt % Related Terms


Quantum software Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Quantum software'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.

Quantum software Effective Interest Rate on Debt % Chart

Quantum software Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.37 0.57 0.47 0.53 2.54

Quantum software 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 57.47 -54.33 26.27 -25.50 9.03

WAR:QNT vs QH, SHOP, UBER: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, Quantum software'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.


Quantum software Effective Interest Rate on Debt % vs Software Industry

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

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


WAR:QNT
84GF Score
Quantum software SA WAR:QNT
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Quantum software Effective Interest Rate on Debt % Calculation

Quantum software'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  *  -0.034/( (1.589+1.086)/ 2 )
=-1  *  -0.034/1.3375
=2.54 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.764 + 0.825
=1.589

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.324 + 0.762
=1.086

Quantum software'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  *  -0.088/( (1.086+0.862)/ 2 )
=-1  *  -0.088/0.974
=9.03 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.324 + 0.762
=1.086

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.256 + 0.606
=0.862

* 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 9.03% mean?
Quantum software (WAR:QNT) has a Effective Interest Rate on Debt % of 9.03% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Quantum software and its competitors.
Is Quantum software's Effective Interest Rate on Debt % too high?
Quantum software's current Effective Interest Rate on Debt % is 9.03%. Overall, Quantum software has a GF Score™ of 84/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Quantum software's Effective Interest Rate on Debt % compare to QH and SHOP?
Quantum software's Effective Interest Rate on Debt % of 9.03% 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 Quantum software and its competitors. Quantum software's current Effective Interest Rate on Debt % is 9.03%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quantum software stock overvalued right now?
Based on GuruFocus' analysis, Quantum software (WAR:QNT) is currently considered Modestly Overvalued. The stock's GF Value™ is zł25.88, compared to a current price of zł32.00 — trading 23.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 9.03%. Quantum software's overall GF Score™ is 84/100 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 Quantum software (WAR:QNT), the current Effective Interest Rate on Debt % is 9.03% 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 Quantum software (WAR:QNT) Overvalued in 2026?

Based on GuruFocus' analysis, Quantum software stock appears to be overvalued. The current stock price of zł32.00 is trading 23.6% above its estimated GF Value™ of zł25.88. GuruFocus considers Quantum software to be Modestly Overvalued.

Key valuation signals for WAR:QNT:

  • Effective Interest Rate on Debt %: 9.03%
  • GF Value™: zł25.88 vs. price of zł32.00 (23.6% above fair value)
  • GF Score™: 84/100 with 5 warning signs

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


Quantum software Business Description

Address ulica Walerego Slawka 3A, Krakow, POL, 30-633
Quantum software SA offers IT systems for companies that have particularly high requirements in the field of logistics and supply chain management. The company's flagship product is the proprietary QGUAR software package - a Supply Chain Execution system used to manage complex production, warehousing and distribution structures. It provides IT services for Production, Transport, Storage, and Plant environment. Its key products include WMS Pro, MES, APS, TMS, DS, and YMS. Quantum Software also offers implementation services, training, and ongoing support for its software products. It serves logistics centers, warehouses, manufacturing companies, and transport logistics operators both in Poland and internationally.
84GF Score

Get the complete analysis for WAR:QNT

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

zł32.00
Price
zł25.88
GF Value