CDIX (Cardiff Lexington) Effective Interest Rate on Debt %: 38.78% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CDIX Cardiff Lexington Corp CDIX
27 GF Score
Price $0.51
GF Value $0.08
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Cardiff Lexington Effective Interest Rate on Debt %?

Cardiff Lexington CDIX +0.79% 27 Effective Interest Rate on Debt % is 38.78% as of Mar. 2026. GuruFocus rates CDIX with a GF Score™ of 27/100 and a GF Value™ of $0.08 (Significantly Overvalued). The stock has 7 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. Cardiff Lexington's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $7.69 Mil. Cardiff Lexington's average total debt for the quarter that ended in Mar. 2026 was $19.83 Mil. Therefore, Cardiff Lexington's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 38.78%.


Cardiff Lexington  (OTCPK:CDIX) Effective Interest Rate on Debt % Explanation

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


Cardiff Lexington Effective Interest Rate on Debt % Related Terms


Cardiff Lexington Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Cardiff Lexington'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.

Cardiff Lexington Effective Interest Rate on Debt % Chart

Cardiff Lexington 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 85.17 193.16 40.78 38.16 47.67

Cardiff Lexington 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 37.88 59.17 48.74 51.95 38.78

CDIX vs AMS, SYRA, BMGL: Effective Interest Rate on Debt % Comparison

For the Medical Care Facilities subindustry, Cardiff Lexington'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.


Cardiff Lexington Effective Interest Rate on Debt % vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Cardiff Lexington's Effective Interest Rate on Debt % distribution charts can be found below:

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


CDIX
27GF Score
Cardiff Lexington Corp CDIX
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cardiff Lexington Effective Interest Rate on Debt % Calculation

Cardiff Lexington'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  *  -6.823/( (9.725+18.9)/ 2 )
=-1  *  -6.823/14.3125
=47.67 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.438 + 9.287
=9.725

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.182 + 18.718
=18.9

Cardiff Lexington'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  *  -7.688/( (18.9+20.754)/ 2 )
=-1  *  -7.688/19.827
=38.78 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.182 + 18.718
=18.9

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.272 + 20.482
=20.754

* 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 38.78% mean?
Cardiff Lexington (CDIX) has a Effective Interest Rate on Debt % of 38.78% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Cardiff Lexington and its competitors.
Is Cardiff Lexington's Effective Interest Rate on Debt % too high?
Cardiff Lexington's current Effective Interest Rate on Debt % is 38.78%. Overall, Cardiff Lexington has a GF Score™ of 27/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cardiff Lexington's Effective Interest Rate on Debt % compare to AMS and SYRA?
Cardiff Lexington's Effective Interest Rate on Debt % of 38.78% can be compared against companies in the Healthcare Providers & Services 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 Healthcare Providers & Services company?
A good Effective Interest Rate on Debt % depends on the Healthcare Providers & Services 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 Cardiff Lexington and its competitors. Cardiff Lexington's current Effective Interest Rate on Debt % is 38.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cardiff Lexington stock overvalued right now?
Based on GuruFocus' analysis, Cardiff Lexington (CDIX) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.08, compared to a current price of $0.51 — trading 537.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 38.78%. Cardiff Lexington's overall GF Score™ is 27/100 with 7 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 Cardiff Lexington (CDIX), the current Effective Interest Rate on Debt % is 38.78% 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 Cardiff Lexington (CDIX) Overvalued in 2026?

Based on GuruFocus' analysis, Cardiff Lexington stock appears to be overvalued. The current stock price of $0.51 is trading 537.5% above its estimated GF Value™ of $0.08. GuruFocus considers Cardiff Lexington to be Significantly Overvalued.

Key valuation signals for CDIX:

  • Effective Interest Rate on Debt %: 38.78%
  • GF Value™: $0.08 vs. price of $0.51 (537.5% above fair value)
  • GF Score™: 27/100 with 7 warning signs

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


Cardiff Lexington Business Description

Address 710 East Main Street, Lexington, KY, USA, 40502
Cardiff Lexington Corp is an acquisition holding company, conducting its operations through its operating subsidiaries. The company has two reportable operating segments; Healthcare (Nova), and Real Estate (Edge View). The Healthcare segment generates all of the company's revenue and provides a full range of diagnostic and surgical services for injuries and disorders of the skeletal system and associated bones, joints, tendons, muscles, ligaments, and nerves. The Real estate segment consists of Edge View, a real estate company that owns various acres zoned medium-density residential.
27GF Score

Get the complete analysis for CDIX

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

$0.51
Price
$0.08
GF Value