DLTH (Duluth Holdings) Effective Interest Rate on Debt %: 2.13% (As of Apr. 2026)


DLTH Duluth Holdings Inc DLTH
59 GF Score
Price $4.45
GF Value $3.09
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Duluth Holdings Effective Interest Rate on Debt %?

Duluth Holdings DLTH -2.52% 59 Effective Interest Rate on Debt % is 2.13% as of Apr. 2026. GuruFocus rates DLTH with a GF Score™ of 59/100 and a GF Value™ of $3.09 (Significantly Overvalued). The stock has 5 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. Duluth Holdings's annualized positive value of Interest Expense for the quarter that ended in Apr. 2026 was $3.2 Mil. Duluth Holdings's average total debt for the quarter that ended in Apr. 2026 was $148.1 Mil. Therefore, Duluth Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 was 2.13%.


Duluth Holdings  (NAS:DLTH) Effective Interest Rate on Debt % Explanation

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


Duluth Holdings Effective Interest Rate on Debt % Related Terms


Duluth Holdings Effective Interest Rate on Debt % Historical Data

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The historical data trend for Duluth 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.

Duluth Holdings Effective Interest Rate on Debt % Chart

Duluth Holdings Annual Data
Trend Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.21 1.87 2.15 2.61 3.35

Duluth Holdings Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 3.06 2.85 2.56 2.38 2.13

DLTH vs TLYS, CURV, AKA: Effective Interest Rate on Debt % Comparison

For the Apparel Retail subindustry, Duluth 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.


Duluth Holdings Effective Interest Rate on Debt % vs Retail - Cyclical Industry

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

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


DLTH
59GF Score
Duluth Holdings Inc DLTH
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Duluth Holdings Effective Interest Rate on Debt % Calculation

Duluth Holdings'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  *  -5.202/( (163.132+147.435)/ 2 )
=-1  *  -5.202/155.2835
=3.35 %

where

Total Debt  (A: Jan. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=144.126 + 19.006
=163.132

Total Debt  (A: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=127.285 + 20.15
=147.435

Duluth Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jan. 2026 )+Total Debt  (Q: Apr. 2026 ))/ count )
=-1  *  -3.16/( (147.435+148.676)/ 2 )
=-1  *  -3.16/148.0555
=2.13 %

where

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=127.285 + 20.15
=147.435

Total Debt  (Q: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=122.351 + 26.325
=148.676

* 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 (Apr. 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 2.13% mean?
Duluth Holdings (DLTH) has a Effective Interest Rate on Debt % of 2.13% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Duluth Holdings and its competitors.
Is Duluth Holdings' Effective Interest Rate on Debt % too high?
Duluth Holdings' current Effective Interest Rate on Debt % is 2.13%. Overall, Duluth Holdings has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Duluth Holdings' Effective Interest Rate on Debt % compare to TLYS and CURV?
Duluth Holdings' Effective Interest Rate on Debt % of 2.13% 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 Duluth Holdings and its competitors. Duluth Holdings's current Effective Interest Rate on Debt % is 2.13%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Duluth Holdings stock overvalued right now?
Based on GuruFocus' analysis, Duluth Holdings (DLTH) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.09, compared to a current price of $4.45 — trading 44% above its estimated fair value. The current Effective Interest Rate on Debt % is 2.13%. Duluth Holdings' overall GF Score™ is 59/100 with 5 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 Duluth Holdings (DLTH), the current Effective Interest Rate on Debt % is 2.13% as of Apr. 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 Duluth Holdings (DLTH) Overvalued in 2026?

Based on GuruFocus' analysis, Duluth Holdings stock appears to be overvalued. The current stock price of $4.45 is trading 44% above its estimated GF Value™ of $3.09. GuruFocus considers Duluth Holdings to be Significantly Overvalued.

Key valuation signals for DLTH:

  • Effective Interest Rate on Debt %: 2.13%
  • GF Value™: $3.09 vs. price of $4.45 (44% above fair value)
  • GF Score™: 59/100 with 5 warning signs

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


Duluth Holdings Business Description

Other Exchanges 6DU:Germany
Address 201 East Front Street, Mount Horeb, WI, USA, 53572
Duluth Holdings Inc is an apparel brand in the United States. The company offers shirts, pants, and casual wear for men and women under brands like Alaskan Hardgear, Armachillo, Ballroom, Cab Commander, Crouch Gusset, Dry on the Fly, Duluth Trading Co, Duluthflex, Fire Hose, Longtail T, No Polo Shirt, No Yank, Wild Boar, and others. The Company's revenue consists of the sale of apparel, footwear, and hard goods. The company operates in a single operating segment.
59GF 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.

$4.45
Price
$3.09
GF Value