CDIO (Cardio Diagnostics Holdings) Effective Interest Rate on Debt %: 1.95% (As of Mar. 2026)

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CDIO Cardio Diagnostics Holdings Inc CDIO
49 GF Score
Price $1.57
GF Value $2.77
Valuation Possible Value Trap
! 3 Warning Signs
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What is Cardio Diagnostics Holdings Effective Interest Rate on Debt %?

Cardio Diagnostics Holdings CDIO +0.40% 49 Effective Interest Rate on Debt % is 1.95% as of Mar. 2026. GuruFocus rates CDIO with a GF Score™ of 49/100 and a GF Value™ of $2.77 (Possible Value Trap). The stock has 3 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. Cardio Diagnostics Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0.01 Mil. Cardio Diagnostics Holdings's average total debt for the quarter that ended in Mar. 2026 was $0.61 Mil. Therefore, Cardio Diagnostics Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 1.95%.


Cardio Diagnostics Holdings  (NAS:CDIO) Effective Interest Rate on Debt % Explanation

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


Cardio Diagnostics Holdings Effective Interest Rate on Debt % Related Terms


Cardio Diagnostics Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Cardio Diagnostics Holdings'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.

Cardio Diagnostics Holdings Effective Interest Rate on Debt % Chart

Cardio Diagnostics Holdings Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.00 0.00 638.39 1.70 1.80

Cardio Diagnostics Holdings Quarterly Data
Mar21 Jun21 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 2.27 2.82 2.16 1.35 1.95

CDIO vs ERNA, LABT, JAGX: Effective Interest Rate on Debt % Comparison

For the Biotechnology subindustry, Cardio Diagnostics Holdings'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.


Cardio Diagnostics Holdings Effective Interest Rate on Debt % vs Biotechnology Industry

For the Biotechnology industry and Healthcare sector, Cardio Diagnostics Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Cardio Diagnostics Holdings's Effective Interest Rate on Debt % falls into.


CDIO
49GF Score
Cardio Diagnostics Holdings Inc CDIO
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Cardio Diagnostics Holdings Effective Interest Rate on Debt % Calculation

Cardio Diagnostics Holdings'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  *  -0.015/( (0.97+0.695)/ 2 )
=-1  *  -0.015/0.8325
=1.80 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.426 + 0.544
=0.97

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.188 + 0.507
=0.695

Cardio Diagnostics Holdings'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  *  -0.012/( (0.695+0.533)/ 2 )
=-1  *  -0.012/0.614
=1.95 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.188 + 0.507
=0.695

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.165 + 0.368
=0.533

* 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 1.95% mean?
Cardio Diagnostics Holdings (CDIO) has a Effective Interest Rate on Debt % of 1.95% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Cardio Diagnostics Holdings and its competitors.
Is Cardio Diagnostics Holdings' Effective Interest Rate on Debt % too high?
Cardio Diagnostics Holdings' current Effective Interest Rate on Debt % is 1.95%. Overall, Cardio Diagnostics Holdings has a GF Score™ of 49/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Cardio Diagnostics Holdings' Effective Interest Rate on Debt % compare to ERNA and LABT?
Cardio Diagnostics Holdings' Effective Interest Rate on Debt % of 1.95% can be compared against companies in the Biotechnology 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 Biotechnology company?
A good Effective Interest Rate on Debt % depends on the Biotechnology 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 Cardio Diagnostics Holdings and its competitors. Cardio Diagnostics Holdings's current Effective Interest Rate on Debt % is 1.95%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cardio Diagnostics Holdings stock overvalued right now?
Based on GuruFocus' analysis, Cardio Diagnostics Holdings (CDIO) is currently considered Possible Value Trap. The stock's GF Value™ is $2.77, compared to a current price of $1.57 — trading 43.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 1.95%. Cardio Diagnostics Holdings' overall GF Score™ is 49/100 with 3 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 Cardio Diagnostics Holdings (CDIO), the current Effective Interest Rate on Debt % is 1.95% 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 Cardio Diagnostics Holdings (CDIO) Overvalued in 2026?

Based on GuruFocus' analysis, Cardio Diagnostics Holdings stock appears to be undervalued. The current stock price of $1.57 is trading 43.2% below its estimated GF Value™ of $2.77. GuruFocus considers Cardio Diagnostics Holdings to be Possible Value Trap.

Key valuation signals for CDIO:

  • Effective Interest Rate on Debt %: 1.95%
  • GF Value™: $2.77 vs. price of $1.57 (43.2% below fair value)
  • GF Score™: 49/100 with 3 warning signs

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


Cardio Diagnostics Holdings Business Description

Address 311 West Superior Street, Suite 444, Chicago, IL, USA, 60654
Cardio Diagnostics Holdings Inc is a medical technology company focused on developing and commercializing epigenetics-based clinical tests for cardiovascular diseases and associated comorbidities by leveraging its Artificial Intelligence (AI)-driven Multi-Omics Engine. The company has developed two clinical products: Epi+Gen CHD and PrecisionCHD, epigenetics-based clinical blood tests capable of assessing risk for a coronary heart disease (CHD) event, including heart attacks. Additionally, its portfolio includes HeartRisk, a cardiovascular disease risk intelligence platform, and CardioInnovate360, a research-use-only solution launched to support the discovery, development, and validation of novel biopharmaceuticals for the assessment and management of cardiovascular diseases.
49GF 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.

$1.57
Price
$2.77
GF Value