BWTL (Bowlin Travel Centers) Effective Interest Rate on Debt %: 3.72% (As of Jan. 2026)


BWTL Bowlin Travel Centers Inc BWTL
70 GF Score
Price $3.39
GF Value $6.14
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Bowlin Travel Centers Effective Interest Rate on Debt %?

Bowlin Travel Centers BWTL 70 Effective Interest Rate on Debt % is 3.72% as of Jan. 2026. GuruFocus rates BWTL with a GF Score™ of 70/100 and a GF Value™ of $6.14 (Significantly Undervalued). The stock has 4 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. Bowlin Travel Centers's annualized positive value of Interest Expense for the quarter that ended in Jan. 2026 was $0.26 Mil. Bowlin Travel Centers's average total debt for the quarter that ended in Jan. 2026 was $6.93 Mil. Therefore, Bowlin Travel Centers's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 was 3.72%.


Bowlin Travel Centers  (OTCPK:BWTL) Effective Interest Rate on Debt % Explanation

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


Bowlin Travel Centers Effective Interest Rate on Debt % Related Terms


Bowlin Travel Centers Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Bowlin Travel Centers'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.

Bowlin Travel Centers Effective Interest Rate on Debt % Chart

Bowlin Travel Centers Annual Data
Trend Jan04 Jan05 Jan06 Jan07 Jan08 Jan09 Jan10 Jan11 Jan25 Jan26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.94 6.07 5.93 4.23 3.72

Bowlin Travel Centers Semi-Annual Data
Jan00 Jan01 Jan02 Jan03 Jan04 Jan05 Jan06 Jan07 Jan08 Jan09 Jan10 Jan11 Jan25 Jan26
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 5.94 6.07 5.93 4.23 3.72

BWTL vs CGTL, JBDI, RECT: Effective Interest Rate on Debt % Comparison

For the Specialty Retail subindustry, Bowlin Travel Centers'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.


Bowlin Travel Centers Effective Interest Rate on Debt % vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Bowlin Travel Centers's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Bowlin Travel Centers's Effective Interest Rate on Debt % falls into.


BWTL
70GF Score
Bowlin Travel Centers Inc BWTL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bowlin Travel Centers Effective Interest Rate on Debt % Calculation

Bowlin Travel Centers's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jan. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jan. 2025 )+Total Debt  (A: Jan. 2026 ))/ count )
=-1  *  -0.258/( (7.259+6.602)/ 2 )
=-1  *  -0.258/6.9305
=3.72 %

where

Total Debt  (A: Jan. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.611 + 0.648
=7.259

Total Debt  (A: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.013 + 0.589
=6.602

Bowlin Travel Centers's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jan. 2025 )+Total Debt  (Q: Jan. 2026 ))/ count )
=-1  *  -0.258/( (7.259+6.602)/ 2 )
=-1  *  -0.258/6.9305
=3.72 %

where

Total Debt  (Q: Jan. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.611 + 0.648
=7.259

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.013 + 0.589
=6.602

* 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 (Jan. 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 3.72% mean?
Bowlin Travel Centers (BWTL) has a Effective Interest Rate on Debt % of 3.72% as of Jan. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bowlin Travel Centers and its competitors.
Is Bowlin Travel Centers' Effective Interest Rate on Debt % too high?
Bowlin Travel Centers' current Effective Interest Rate on Debt % is 3.72%. Overall, Bowlin Travel Centers has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bowlin Travel Centers' Effective Interest Rate on Debt % compare to CGTL and JBDI?
Bowlin Travel Centers' Effective Interest Rate on Debt % of 3.72% can be compared against companies in the Retail - Cyclical 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 Retail - Cyclical company?
A good Effective Interest Rate on Debt % depends on the Retail - Cyclical 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 Bowlin Travel Centers and its competitors. Bowlin Travel Centers's current Effective Interest Rate on Debt % is 3.72%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bowlin Travel Centers stock overvalued right now?
Based on GuruFocus' analysis, Bowlin Travel Centers (BWTL) is currently considered Significantly Undervalued. The stock's GF Value™ is $6.14, compared to a current price of $3.39 — trading 44.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.72%. Bowlin Travel Centers' overall GF Score™ is 70/100 with 4 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 Bowlin Travel Centers (BWTL), the current Effective Interest Rate on Debt % is 3.72% as of Jan. 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 Bowlin Travel Centers (BWTL) Overvalued in 2026?

Based on GuruFocus' analysis, Bowlin Travel Centers stock appears to be undervalued. The current stock price of $3.39 is trading 44.8% below its estimated GF Value™ of $6.14. GuruFocus considers Bowlin Travel Centers to be Significantly Undervalued.

Key valuation signals for BWTL:

  • Effective Interest Rate on Debt %: 3.72%
  • GF Value™: $6.14 vs. price of $3.39 (44.8% below fair value)
  • GF Score™: 70/100 with 4 warning signs

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


Bowlin Travel Centers Business Description

Address 150 Louisiana Boulevard NE, Albuquerque, NM, USA, 87108
Bowlin Travel Centers Inc is engaged in the operation of ten travel centers and five restaurants located along well-traveled interstate highways in New Mexico and Arizona where there are generally few gas stations, convenience stores or restaurants. Few of the company's travel centers offer fuel, and the company operated five full-service restaurants under the Dairy Queen/Brazier or Dairy Queen trade names. The company's travel centers offer a variety of Southwestern merchandise to the traveling public in the Southwestern United States, New Mexico. It also sells convenience store food such as chips, nuts, cookies, prepackaged sandwiches, and drinks.
70GF 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.

$3.39
Price
$6.14
GF Value