CNH (CNH Industrial NV) Effective Interest Rate on Debt %: 5.49% (As of Mar. 2026)


CNH CNH Industrial NV CNH
67 GF Score
Price $10.87
GF Value $9.98
Valuation Fairly Valued
! 7 Warning Signs
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What is CNH Industrial NV Effective Interest Rate on Debt %?

CNH Industrial NV CNH +1.40% 67 Effective Interest Rate on Debt % is 5.49% as of Mar. 2026. GuruFocus rates CNH with a GF Score™ of 67/100 and a GF Value™ of $9.98 (Fairly Valued). 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. CNH Industrial NV's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $1,460 Mil. CNH Industrial NV's average total debt for the quarter that ended in Mar. 2026 was $26,613 Mil. Therefore, CNH Industrial NV's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.49%.


CNH Industrial NV  (NYSE:CNH) Effective Interest Rate on Debt % Explanation

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


CNH Industrial NV Effective Interest Rate on Debt % Related Terms


CNH Industrial NV Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for CNH Industrial NV'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.

CNH Industrial NV Effective Interest Rate on Debt % Chart

CNH Industrial NV 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 2.31 3.32 5.29 5.88 5.47

CNH Industrial NV 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 5.42 5.33 5.49 5.61 5.49

CNH vs OSK, AGCO, TEX: Effective Interest Rate on Debt % Comparison

For the Farm & Heavy Construction Machinery subindustry, CNH Industrial NV'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.


CNH Industrial NV Effective Interest Rate on Debt % vs Farm & Heavy Construction Machinery Industry

For the Farm & Heavy Construction Machinery industry and Industrials sector, CNH Industrial NV's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where CNH Industrial NV's Effective Interest Rate on Debt % falls into.


CNH
67GF Score
CNH Industrial NV CNH
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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CNH Industrial NV Effective Interest Rate on Debt % Calculation

CNH Industrial NV'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  *  -1482/( (27164+27034)/ 2 )
=-1  *  -1482/27099
=5.47 %

where

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=17014 + 10020
=27034

CNH Industrial NV'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  *  -1460/( (27034+26192)/ 2 )
=-1  *  -1460/26613
=5.49 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=17014 + 10020
=27034

* 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 5.49% mean?
CNH Industrial NV (CNH) has a Effective Interest Rate on Debt % of 5.49% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CNH Industrial NV and its competitors.
Is CNH Industrial NV's Effective Interest Rate on Debt % too high?
CNH Industrial NV's current Effective Interest Rate on Debt % is 5.49%. Overall, CNH Industrial NV has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNH Industrial NV's Effective Interest Rate on Debt % compare to OSK and AGCO?
CNH Industrial NV's Effective Interest Rate on Debt % of 5.49% can be compared against companies in the Farm & Heavy Construction Machinery 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 Farm & Heavy Construction Machinery company?
A good Effective Interest Rate on Debt % depends on the Farm & Heavy Construction Machinery 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 CNH Industrial NV and its competitors. CNH Industrial NV's current Effective Interest Rate on Debt % is 5.49%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNH Industrial NV stock overvalued right now?
Based on GuruFocus' analysis, CNH Industrial NV (CNH) is currently considered Fairly Valued. The stock's GF Value™ is $9.98, compared to a current price of $10.87 — trading 8.9% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.49%. CNH Industrial NV's overall GF Score™ is 67/100 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 CNH Industrial NV (CNH), the current Effective Interest Rate on Debt % is 5.49% 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 CNH Industrial NV (CNH) Overvalued in 2026?

Based on GuruFocus' analysis, CNH Industrial NV stock appears to be overvalued. The current stock price of $10.87 is trading 8.9% above its estimated GF Value™ of $9.98. GuruFocus considers CNH Industrial NV to be Fairly Valued.

Key valuation signals for CNH:

  • Effective Interest Rate on Debt %: 5.49%
  • GF Value™: $9.98 vs. price of $10.87 (8.9% above fair value)
  • GF Score™: 67/100 with 7 warning signs

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


CNH Industrial NV Business Description

Address Cranes Farm Road, Basildon, Essex, London, GBR, SS14 3AD
CNH Industrial is the world's second largest manufacturer of agricultural machinery (82% of industrial net sales) as well as a major player in construction equipment (18% of industrial net sales). Its Case and New Holland brands have served farmers for generations. Geographically, agricultural sales are 40% in North America, 32% in Europe, the Middle East, and Africa, 18% in South America, and 10% in Asia-Pacific. CNH's products are available through a robust independent dealer network, which includes over 2,600 dealer and distribution locations and reach into 164 countries. The construction business leverages over 400 dealers. The company's captive finance arm provides retail financing to its customers and wholesale financing to dealers to maintain inventory, thereby supporting sales.
67GF Score

Get the complete analysis for CNH

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

$10.87
Price
$9.98
GF Value