ARI (Apollo Commercial Real Estate Finance) Effective Interest Rate on Debt %: 5.67% (As of Mar. 2026)

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ARI Apollo Commercial Real Estate Finance Inc ARI
56 GF Score
Price $10.61
GF Value $9.47
Valuation Modestly Overvalued
! 10 Warning Signs
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What is Apollo Commercial Real Estate Finance Effective Interest Rate on Debt %?

Apollo Commercial Real Estate Finance ARI +2.91% 56 Effective Interest Rate on Debt % is 5.67% as of Mar. 2026. GuruFocus rates ARI with a GF Score™ of 56/100 and a GF Value™ of $9.47 (Modestly Overvalued). The stock has 10 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. Apollo Commercial Real Estate Finance's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $455.7 Mil. Apollo Commercial Real Estate Finance's average total debt for the quarter that ended in Mar. 2026 was $8,037.8 Mil. Therefore, Apollo Commercial Real Estate Finance's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.67%.


Apollo Commercial Real Estate Finance  (NYSE:ARI) Effective Interest Rate on Debt % Explanation

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


Apollo Commercial Real Estate Finance Effective Interest Rate on Debt % Related Terms


Apollo Commercial Real Estate Finance Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Apollo Commercial Real Estate Finance'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.

Apollo Commercial Real Estate Finance Effective Interest Rate on Debt % Chart

Apollo Commercial Real Estate Finance 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 3.09 4.17 6.69 7.55 6.43

Apollo Commercial Real Estate Finance 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 6.36 6.79 6.02 5.98 5.67

ARI vs ORC, LADR, TWO: Effective Interest Rate on Debt % Comparison

For the REIT - Mortgage subindustry, Apollo Commercial Real Estate Finance'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.


Apollo Commercial Real Estate Finance Effective Interest Rate on Debt % vs REITs Industry

For the REITs industry and Real Estate sector, Apollo Commercial Real Estate Finance's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Apollo Commercial Real Estate Finance's Effective Interest Rate on Debt % falls into.


ARI
56GF Score
Apollo Commercial Real Estate Finance Inc ARI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Apollo Commercial Real Estate Finance Effective Interest Rate on Debt % Calculation

Apollo Commercial Real Estate Finance'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  *  -460.089/( (6390.203+7918.012)/ 2 )
=-1  *  -460.089/7154.1075
=6.43 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1575.23 + 4814.973
=6390.203

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1649.462 + 6268.55
=7918.012

Apollo Commercial Real Estate Finance'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  *  -455.688/( (7918.012+8157.668)/ 2 )
=-1  *  -455.688/8037.84
=5.67 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1649.462 + 6268.55
=7918.012

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1663.3 + 6494.368
=8157.668

* 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 5.67% mean?
Apollo Commercial Real Estate Finance (ARI) has a Effective Interest Rate on Debt % of 5.67% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Apollo Commercial Real Estate Finance and its competitors.
Is Apollo Commercial Real Estate Finance's Effective Interest Rate on Debt % too high?
Apollo Commercial Real Estate Finance's current Effective Interest Rate on Debt % is 5.67%. Overall, Apollo Commercial Real Estate Finance has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Apollo Commercial Real Estate Finance's Effective Interest Rate on Debt % compare to ORC and LADR?
Apollo Commercial Real Estate Finance's Effective Interest Rate on Debt % of 5.67% can be compared against companies in the REITs 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 REITs company?
A good Effective Interest Rate on Debt % depends on the REITs 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 Apollo Commercial Real Estate Finance and its competitors. Apollo Commercial Real Estate Finance's current Effective Interest Rate on Debt % is 5.67%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Apollo Commercial Real Estate Finance stock overvalued right now?
Based on GuruFocus' analysis, Apollo Commercial Real Estate Finance (ARI) is currently considered Modestly Overvalued. The stock's GF Value™ is $9.47, compared to a current price of $10.61 — trading 12% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.67%. Apollo Commercial Real Estate Finance's overall GF Score™ is 56/100 with 10 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 Apollo Commercial Real Estate Finance (ARI), the current Effective Interest Rate on Debt % is 5.67% 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 Apollo Commercial Real Estate Finance (ARI) Overvalued in 2026?

Based on GuruFocus' analysis, Apollo Commercial Real Estate Finance stock appears to be overvalued. The current stock price of $10.61 is trading 12% above its estimated GF Value™ of $9.47. GuruFocus considers Apollo Commercial Real Estate Finance to be Modestly Overvalued.

Key valuation signals for ARI:

  • Effective Interest Rate on Debt %: 5.67%
  • GF Value™: $9.47 vs. price of $10.61 (12% above fair value)
  • GF Score™: 56/100 with 10 warning signs

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


Apollo Commercial Real Estate Finance Business Description

Industry Real EstateREITs
Other Exchanges 9A1:Germany
Address c/o Apollo Global Management, Inc, 9 West 57th Street, 42nd Floor, New York, NY, USA, 10019
Apollo Commercial Real Estate Finance Inc is a real estate investment trust that originates, invests in, acquires, and manages commercial first-mortgage loans, subordinate financings, commercial mortgage-backed securities, and other real estate-related debt investments. The subordinate loans and first-mortgage loans account for the vast majority of the portfolio on a cost basis. Property types include residential, retail, healthcare, office, mixed-use, hotel, industrial, multifamily, securities, and other, with residential properties and hotels representing the highest property value. More than a third of the properties are located in New York City, with the other properties located across other regions of the United States, as well as other countries.
56GF Score

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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.

$10.61
Price
$9.47
GF Value