Software Mansion S A (WAR:SWM) Effective Interest Rate on Debt %: 5.40% (As of Mar. 2026)


WAR:SWM Software Mansion S A WAR:SWM
21 GF Score
Price zł28.30
GF Value zł45.75
Valuation Significantly Undervalued
! 1 Warning Sign
View Full Analysis

What is Software Mansion S A Effective Interest Rate on Debt %?

Software Mansion S A WAR:SWM +3.66% 21 Effective Interest Rate on Debt % is 5.40% as of Mar. 2026. GuruFocus rates WAR:SWM with a GF Score™ of 21/100 and a GF Value™ of zł45.75 (Significantly Undervalued). 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. Software Mansion S A's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was zł1.2 Mil. Software Mansion S A's average total debt for the quarter that ended in Mar. 2026 was zł21.8 Mil. Therefore, Software Mansion S A's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.40%.


Software Mansion S A  (WAR:SWM) Effective Interest Rate on Debt % Explanation

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


Software Mansion S A Effective Interest Rate on Debt % Related Terms


Software Mansion S A Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Software Mansion S A'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.

Software Mansion S A Effective Interest Rate on Debt % Chart

Software Mansion S A Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
0.00 0.00 0.00 0.00 0.00

Software Mansion S A Quarterly Data
Dec21 Jun22 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 0.00 0.00 0.00 0.00 5.40

WAR:SWM vs MSFT, ORCL, PLTR: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, Software Mansion S A'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.


Software Mansion S A Effective Interest Rate on Debt % vs Software Industry

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

* The bar in red indicates where Software Mansion S A's Effective Interest Rate on Debt % falls into.


WAR:SWM
21GF Score
Software Mansion S A WAR:SWM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Software Mansion S A Effective Interest Rate on Debt % Calculation

Software Mansion S A'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  *  -1.477/( (0+0)/ 1 )
=-1  *  -1.477/0
=N/A %

where

Software Mansion S A'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  *  -1.176/( (0+21.775)/ 1 )
=-1  *  -1.176/21.775
=5.40 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18.299 + 3.476
=21.775

* 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 5.40% mean?
Software Mansion S A (WAR:SWM) has a Effective Interest Rate on Debt % of 5.40% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Software Mansion S A and its competitors.
Is Software Mansion S A's Effective Interest Rate on Debt % too high?
Software Mansion S A's current Effective Interest Rate on Debt % is 5.40%. Overall, Software Mansion S A has a GF Score™ of 21/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Software Mansion S A's Effective Interest Rate on Debt % compare to MSFT and ORCL?
Software Mansion S A's Effective Interest Rate on Debt % of 5.40% 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 Software Mansion S A and its competitors. Software Mansion S A's current Effective Interest Rate on Debt % is 5.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Software Mansion S A stock overvalued right now?
Based on GuruFocus' analysis, Software Mansion S A (WAR:SWM) is currently considered Significantly Undervalued. The stock's GF Value™ is zł45.75, compared to a current price of zł28.30 — trading 38.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 5.40%. Software Mansion S A's overall GF Score™ is 21/100 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 Software Mansion S A (WAR:SWM), the current Effective Interest Rate on Debt % is 5.40% 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 Software Mansion S A (WAR:SWM) Overvalued in 2026?

Based on GuruFocus' analysis, Software Mansion S A stock appears to be undervalued. The current stock price of zł28.30 is trading 38.1% below its estimated GF Value™ of zł45.75. GuruFocus considers Software Mansion S A to be Significantly Undervalued.

Key valuation signals for WAR:SWM:

  • Effective Interest Rate on Debt %: 5.40%
  • GF Value™: zł45.75 vs. price of zł28.30 (38.1% below fair value)
  • GF Score™: 21/100 with 1 warning sign

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


Software Mansion S A Business Description

Address ul. Zab?ocie 43b, Krakow, POL, 30-701
Software Mansion S A is Krakow based software company that deals with solving technological challenges for their clients and developing open-source technologies. It cooperates with a variety of clients, including technological start-ups from Silicon Valley and New York, as well as well-known companies with a stable position on the market. Their portfolio includes projects from industries such as Ed-Tech, Fin-Tech, blockchain, healthcare, e-commerce, multimedia and consumer applications.
21GF Score

Get the complete analysis for WAR:SWM

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

zł28.30
Price
zł45.75
GF Value