CHUC (Charlies Holdings) Effective Interest Rate on Debt %: 10.36% (As of Mar. 2026)

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CHUC Charlies Holdings Inc CHUC
30 GF Score
Price $0.19
GF Value $0.14
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Charlies Holdings Effective Interest Rate on Debt %?

Charlies Holdings CHUC +3.16% 30 Effective Interest Rate on Debt % is 10.36% as of Mar. 2026. GuruFocus rates CHUC with a GF Score™ of 30/100 and a GF Value™ of $0.14 (Significantly Overvalued). 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. Charlies Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0.30 Mil. Charlies Holdings's average total debt for the quarter that ended in Mar. 2026 was $2.90 Mil. Therefore, Charlies Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 10.36%.


Charlies Holdings  (OTCPK:CHUC) Effective Interest Rate on Debt % Explanation

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


Charlies Holdings Effective Interest Rate on Debt % Related Terms


Charlies Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Charlies 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.

Charlies Holdings Effective Interest Rate on Debt % Chart

Charlies Holdings 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 1.50 9.80 18.55 28.27 26.89

Charlies Holdings 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 36.74 67.15 7.35 9.96 10.36

CHUC vs HCMC, RYM, PYYX: Effective Interest Rate on Debt % Comparison

For the Tobacco subindustry, Charlies 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.


Charlies Holdings Effective Interest Rate on Debt % vs Tobacco Products Industry

For the Tobacco Products industry and Consumer Defensive sector, Charlies Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

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


CHUC
30GF Score
Charlies Holdings Inc CHUC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Charlies Holdings Effective Interest Rate on Debt % Calculation

Charlies 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  *  -0.692/( (2.081+3.066)/ 2 )
=-1  *  -0.692/2.5735
=26.89 %

where

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.511 + 2.555
=3.066

Charlies 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  *  -0.3/( (3.066+2.726)/ 2 )
=-1  *  -0.3/2.896
=10.36 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.511 + 2.555
=3.066

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.463 + 0.263
=2.726

* 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 10.36% mean?
Charlies Holdings (CHUC) has a Effective Interest Rate on Debt % of 10.36% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Charlies Holdings and its competitors.
Is Charlies Holdings' Effective Interest Rate on Debt % too high?
Charlies Holdings' current Effective Interest Rate on Debt % is 10.36%. Overall, Charlies Holdings has a GF Score™ of 30/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Charlies Holdings' Effective Interest Rate on Debt % compare to HCMC and RYM?
Charlies Holdings' Effective Interest Rate on Debt % of 10.36% can be compared against companies in the Tobacco Products 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 Tobacco Products company?
A good Effective Interest Rate on Debt % depends on the Tobacco Products 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 Charlies Holdings and its competitors. Charlies Holdings's current Effective Interest Rate on Debt % is 10.36%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Charlies Holdings stock overvalued right now?
Based on GuruFocus' analysis, Charlies Holdings (CHUC) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.14, compared to a current price of $0.19 — trading 39.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 10.36%. Charlies Holdings' overall GF Score™ is 30/100 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 Charlies Holdings (CHUC), the current Effective Interest Rate on Debt % is 10.36% 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 Charlies Holdings (CHUC) Overvalued in 2026?

Based on GuruFocus' analysis, Charlies Holdings stock appears to be overvalued. The current stock price of $0.19 is trading 39.1% above its estimated GF Value™ of $0.14. GuruFocus considers Charlies Holdings to be Significantly Overvalued.

Key valuation signals for CHUC:

  • Effective Interest Rate on Debt %: 10.36%
  • GF Value™: $0.14 vs. price of $0.19 (39.1% above fair value)
  • GF Score™: 30/100 with 3 warning signs

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


Charlies Holdings Business Description

Address 1007 Brioso Drive, Cosa Mesa, CA, USA, 92627
Charlies Holdings Inc operates in the premium vapor products industry, with a mission to provide adult smokers with alternatives to combustible cigarettes. The Company has developed a family of proprietary e-liquids and a range of compact, easy-to-use disposable vaping devices, which are sold globally through select distributors, specialty retailers, and third-party online resellers. It focuses on non-combustible nicotine-related products and alternative alkaloid (non-nicotine) vapor products, with a strategic emphasis on developing intellectual property related to product access and compliance, including age-gating and access-control technologies. The Company operates in international markets and the United States, which generates maximum revenue.
30GF Score

Get the complete analysis for CHUC

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

$0.19
Price
$0.14
GF Value