Clydestone Ghana (XGHA:CLYD) Effective Interest Rate on Debt %: 30.78% (As of Jun. 2026)

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XGHA:CLYD Clydestone Ghana PLC XGHA:CLYD
29 GF Score
Price GHS5.98
GF Value GHS0.03
Valuation Significantly Overvalued
! 9 Warning Signs
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What is Clydestone Ghana Effective Interest Rate on Debt %?

Clydestone Ghana XGHA:CLYD +2.22% 29 Effective Interest Rate on Debt % is 30.78% as of Jun. 2026. GuruFocus rates XGHA:CLYD with a GF Score™ of 29/100 and a GF Value™ of GHS0.03 (Significantly Overvalued). The stock has 9 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. Clydestone Ghana's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was GHS0.62 Mil. Clydestone Ghana's average total debt for the quarter that ended in Jun. 2026 was GHS2.00 Mil. Therefore, Clydestone Ghana's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 30.78%.


Clydestone Ghana  (XGHA:CLYD) Effective Interest Rate on Debt % Explanation

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


Clydestone Ghana Effective Interest Rate on Debt % Related Terms


Clydestone Ghana Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Clydestone Ghana'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.

Clydestone Ghana Effective Interest Rate on Debt % Chart

Clydestone Ghana 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 0.00 52.16 23.69 63.55 73.80

Clydestone Ghana Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 217.11 41.95 28.99 11.51 30.78

XGHA:CLYD vs IBM, ACN, FISV: Effective Interest Rate on Debt % Comparison

For the Information Technology Services subindustry, Clydestone Ghana'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.


Clydestone Ghana Effective Interest Rate on Debt % vs Software Industry

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

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


XGHA:CLYD
29GF Score
Clydestone Ghana PLC XGHA:CLYD
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Clydestone Ghana Effective Interest Rate on Debt % Calculation

Clydestone Ghana'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  *  -1.035/( (0.671+2.134)/ 2 )
=-1  *  -1.035/1.4025
=73.80 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.113 + 0.558
=0.671

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.028 + 1.106
=2.134

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

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -0.616/( (1.966+2.036)/ 2 )
=-1  *  -0.616/2.001
=30.78 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.006 + 0.96
=1.966

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.006 + 1.03
=2.036

* 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 (Jun. 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 30.78% mean?
Clydestone Ghana (XGHA:CLYD) has a Effective Interest Rate on Debt % of 30.78% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Clydestone Ghana and its competitors.
Is Clydestone Ghana's Effective Interest Rate on Debt % too high?
Clydestone Ghana's current Effective Interest Rate on Debt % is 30.78%. Overall, Clydestone Ghana has a GF Score™ of 29/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Clydestone Ghana's Effective Interest Rate on Debt % compare to IBM and ACN?
Clydestone Ghana's Effective Interest Rate on Debt % of 30.78% 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 Clydestone Ghana and its competitors. Clydestone Ghana's current Effective Interest Rate on Debt % is 30.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clydestone Ghana stock overvalued right now?
Based on GuruFocus' analysis, Clydestone Ghana (XGHA:CLYD) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS0.03, compared to a current price of GHS5.98 — trading 19833.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 30.78%. Clydestone Ghana's overall GF Score™ is 29/100 with 9 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 Clydestone Ghana (XGHA:CLYD), the current Effective Interest Rate on Debt % is 30.78% as of Jun. 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 Clydestone Ghana (XGHA:CLYD) Overvalued in 2026?

Based on GuruFocus' analysis, Clydestone Ghana stock appears to be overvalued. The current stock price of GHS5.98 is trading 19833.3% above its estimated GF Value™ of GHS0.03. GuruFocus considers Clydestone Ghana to be Significantly Overvalued.

Key valuation signals for XGHA:CLYD:

  • Effective Interest Rate on Debt %: 30.78%
  • GF Value™: GHS0.03 vs. price of GHS5.98 (19833.3% above fair value)
  • GF Score™: 29/100 with 9 warning signs

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


Clydestone Ghana Business Description

Address No. 14 Adebeto Close, P.O. Box CT 1003, North Labone, Accra, GHA
Clydestone Ghana PLC is an information and communications technology company with offices in Ghana, Nigeria, and Kenya. The company's principal activities includes Payments Service Provider, Transaction Switching Services, Provision of settlement and clearing solutions, Provision of Instant Card Issuance Solutions, Provision of Authentication and 3D Secure Solutions, Provision of ATM Monitoring Solutions, Provision of KYC and AML Solutions, Provision of Information Technology Services including, General system design, installation, Systems integration.
29GF Score

Get the complete analysis for XGHA:CLYD

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

GHS5.98
Price
GHS0.03
GF Value