Paysera Bulgaria JSC (XBUL:PAY) Effective Interest Rate on Debt %: 3.20% (As of Dec. 2025)

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XBUL:PAY Paysera Bulgaria JSC XBUL:PAY
13 GF Score
Price €2.48
! 2 Warning Signs
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What is Paysera Bulgaria JSC Effective Interest Rate on Debt %?

Paysera Bulgaria JSC XBUL:PAY 13 Effective Interest Rate on Debt % is 3.20% as of Dec. 2025. GuruFocus rates XBUL:PAY with a GF Score™ of 13/100. The stock has 2 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. Paysera Bulgaria JSC's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.01 Mil. Paysera Bulgaria JSC's average total debt for the quarter that ended in Dec. 2025 was €0.22 Mil. Therefore, Paysera Bulgaria JSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 3.20%.

Paysera Bulgaria JSC  (XBUL:PAY) Effective Interest Rate on Debt % Explanation

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

Paysera Bulgaria JSC Effective Interest Rate on Debt % Related Terms

Paysera Bulgaria JSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Paysera Bulgaria JSC'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.

Paysera Bulgaria JSC Effective Interest Rate on Debt % Chart

Paysera Bulgaria JSC Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
5.88 5.15 4.51 4.25 6.25

Paysera Bulgaria JSC Semi-Annual Data
Dec21 Dec22 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial 0.00 2.65 1.88 1.82 3.20

XBUL:PAY vs MSFT, PLTR, ORCL: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, Paysera Bulgaria JSC'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.

Paysera Bulgaria JSC Effective Interest Rate on Debt % vs Software Industry

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

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


XBUL:PAY
13GF Score
Paysera Bulgaria JSC XBUL:PAY
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Paysera Bulgaria JSC Effective Interest Rate on Debt % Calculation

Paysera Bulgaria JSC'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  *  -0.013/( (0.32+0.096)/ 2 )
=-1  *  -0.013/0.208
=6.25 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.293 + 0.027
=0.32

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.065 + 0.031
=0.096

Paysera Bulgaria JSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -0.007/( (0.341+0.096)/ 2 )
=-1  *  -0.007/0.2185
=3.20 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.31 + 0.031
=0.341

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.065 + 0.031
=0.096

* 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 one times the annual (Dec. 2025) 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 3.20% mean?
Paysera Bulgaria JSC (XBUL:PAY) has a Effective Interest Rate on Debt % of 3.20% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Paysera Bulgaria JSC and its competitors.
Is Paysera Bulgaria JSC's Effective Interest Rate on Debt % too high?
Paysera Bulgaria JSC's current Effective Interest Rate on Debt % is 3.20%. Overall, Paysera Bulgaria JSC has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Paysera Bulgaria JSC's Effective Interest Rate on Debt % compare to MSFT and PLTR?
Paysera Bulgaria JSC's Effective Interest Rate on Debt % of 3.20% 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 Paysera Bulgaria JSC and its competitors. Paysera Bulgaria JSC's current Effective Interest Rate on Debt % is 3.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paysera Bulgaria JSC stock overvalued right now?
Paysera Bulgaria JSC (XBUL:PAY) has a current Effective Interest Rate on Debt % of 3.20%. The current Effective Interest Rate on Debt % is 3.20%. Paysera Bulgaria JSC's overall GF Score™ is 13/100 with 2 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 Paysera Bulgaria JSC (XBUL:PAY), the current Effective Interest Rate on Debt % is 3.20% as of Dec. 2025. 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.

Paysera Bulgaria JSC Business Description

Address Ami Bue str. 84, floor 4th, Sofia, BGR, 1612
Paysera Bulgaria JSC operates in Bulgaria and Romania. The company provides services related to electronic money issuance and redemption, domestic and international money transfers, payment gateway solutions for e-commerce, POS terminals, debit cards, event ticketing through Paysera Tickets, QR-based retailer payments, and gold trading and storage. Its operations include marketing, sales, customer service, and technical support adapted for the local markets.
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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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