Software Circle (LSE:SFT) Long-Term Debt: £7.26 Mil (As of Sep. 2025)

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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.
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LSE:SFT Software Circle PLC LSE:SFT
39 GF Score
Price £0.16
GF Value £0.12
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Software Circle Long-Term Debt?

Software Circle LSE:SFT +1.59% 39 Long-Term Debt is £7.26 Mil as of Sep. 2025. GuruFocus rates LSE:SFT with a GF Score™ of 39/100 and a GF Value™ of £0.12 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Software Circle's Long-Term Debt for the quarter that ended in Sep. 2025 was £7.26 Mil.

Software Circle's quarterly Long-Term Debt increased from Sep. 2024 (£1.48 Mil) to Mar. 2025 (£7.61 Mil) but then declined from Mar. 2025 (£7.61 Mil) to Sep. 2025 (£7.26 Mil).

Software Circle's annual Long-Term Debt declined from Mar. 2023 (£13.89 Mil) to Mar. 2024 (£6.14 Mil) but then increased from Mar. 2024 (£6.14 Mil) to Mar. 2025 (£7.61 Mil).

Software Circle  (LSE:SFT) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Software Circle Long-Term Debt Related Terms

Software Circle Long-Term Debt Historical Data

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The historical data trend for Software Circle's Long-Term 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 Circle Long-Term Debt Chart

Software Circle Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.96 0.00 13.89 6.14 7.61

Software Circle Semi-Annual Data
Mar16 Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25
Long-Term 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 6.93 6.14 1.48 7.61 7.26
LSE:SFT
39GF Score
Software Circle PLC LSE:SFT
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of £7.26 Mil mean?
Software Circle (LSE:SFT) has a Long-Term Debt of £7.26 Mil as of Sep. 2025.
Is Software Circle's Long-Term Debt too high?
Software Circle's current Long-Term Debt is £7.26 Mil. Overall, Software Circle has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Software Circle's Long-Term Debt compare to CTAS and CPRT?
Software Circle's Long-Term Debt of £7.26 Mil can be compared against companies in the Business Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Business Services company?
A good Long-Term Debt depends on the Business Services industry context. However, Long-Term 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Software Circle's current Long-Term Debt is £7.26 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Software Circle stock overvalued right now?
Based on GuruFocus' analysis, Software Circle (LSE:SFT) is currently considered Significantly Overvalued. The stock's GF Value™ is £0.12, compared to a current price of £0.16 — trading 33.3% above its estimated fair value. The current Long-Term Debt is £7.26 Mil. Software Circle's overall GF Score™ is 39/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Software Circle (LSE:SFT), the current Long-Term Debt is £7.26 Mil as of Sep. 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.

Is Software Circle (LSE:SFT) Overvalued in 2026?

Based on GuruFocus' analysis, Software Circle stock appears to be overvalued. The current stock price of £0.16 is trading 33.3% above its estimated GF Value™ of £0.12. GuruFocus considers Software Circle to be Significantly Overvalued.

Key valuation signals for LSE:SFT:

  • Long-Term Debt: £7.26 Mil
  • GF Value™: £0.12 vs. price of £0.16 (33.3% above fair value)
  • GF Score™: 39/100 with 4 warning signs

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

Software Circle Business Description

Address 98 King Street, C/o Gateley Legal, Ship Canal House, Manchester, GBR, M2 4WU
Software Circle PLC is a UK-based company that is an acquirer of great vertical market software businesses. The company operates complex logistics, a SaaS platform, and brands that sell print and web to business customers. The segmental analysis by nature of service includes license fees, company-owned studio revenue, brand partner print, and online sales plus trade print. Some of its brands include Nettl, watermark, and Topfloor. Geographically it has its business across the region of the UK and Ireland, Europe, and others of which the UK and Ireland's region accounts for a majority of the revenue.
39GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.16
Price
£0.12
GF Value