Titan Machinery (FRA:3TY) Effective Interest Rate on Debt %: 3.89% (As of Apr. 2026)


FRA:3TY Titan Machinery Inc FRA:3TY
64 GF Score
Price €15.90
GF Value €14.77
Valuation Fairly Valued
! 5 Warning Signs
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What is Titan Machinery Effective Interest Rate on Debt %?

Titan Machinery FRA:3TY -0.62% 64 Effective Interest Rate on Debt % is 3.89% as of Apr. 2026. GuruFocus rates FRA:3TY with a GF Score™ of 64/100 and a GF Value™ of €14.77 (Fairly Valued). 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. Titan Machinery's annualized positive value of Interest Expense for the quarter that ended in Apr. 2026 was €28 Mil. Titan Machinery's average total debt for the quarter that ended in Apr. 2026 was €718 Mil. Therefore, Titan Machinery's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 was 3.89%.


Titan Machinery  (FRA:3TY) Effective Interest Rate on Debt % Explanation

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


Titan Machinery Effective Interest Rate on Debt % Related Terms


Titan Machinery Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Titan Machinery'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.

Titan Machinery Effective Interest Rate on Debt % Chart

Titan Machinery 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 1.98 2.01 2.82 5.33 4.39

Titan Machinery 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 4.40 4.27 4.14 4.15 3.89

FRA:3TY vs BXC, EVI, TLIH: Effective Interest Rate on Debt % Comparison

For the Industrial Distribution subindustry, Titan Machinery'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.


Titan Machinery Effective Interest Rate on Debt % vs Industrial Distribution Industry

For the Industrial Distribution industry and Industrials sector, Titan Machinery's Effective Interest Rate on Debt % distribution charts can be found below:

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


FRA:3TY
64GF Score
Titan Machinery Inc FRA:3TY
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Titan Machinery Effective Interest Rate on Debt % Calculation

Titan Machinery'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  *  -36.664/( (966.594+702.929)/ 2 )
=-1  *  -36.664/834.7615
=4.39 %

where

Total Debt  (A: Jan. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=220.489 + 746.105
=966.594

Total Debt  (A: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=209.989 + 492.94
=702.929

Titan Machinery'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  *  -27.96/( (702.929+733.86)/ 2 )
=-1  *  -27.96/718.3945
=3.89 %

where

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=209.989 + 492.94
=702.929

Total Debt  (Q: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=204.429 + 529.431
=733.86

* 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 3.89% mean?
Titan Machinery (FRA:3TY) has a Effective Interest Rate on Debt % of 3.89% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Titan Machinery and its competitors.
Is Titan Machinery's Effective Interest Rate on Debt % too high?
Titan Machinery's current Effective Interest Rate on Debt % is 3.89%. Overall, Titan Machinery has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Titan Machinery's Effective Interest Rate on Debt % compare to BXC and EVI?
Titan Machinery's Effective Interest Rate on Debt % of 3.89% can be compared against companies in the Industrial Distribution 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 an Industrial Distribution company?
A good Effective Interest Rate on Debt % depends on the Industrial Distribution 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 Titan Machinery and its competitors. Titan Machinery's current Effective Interest Rate on Debt % is 3.89%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Titan Machinery stock overvalued right now?
Based on GuruFocus' analysis, Titan Machinery (FRA:3TY) is currently considered Fairly Valued. The stock's GF Value™ is €14.77, compared to a current price of €15.90 — trading 7.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.89%. Titan Machinery's overall GF Score™ is 64/100 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 Titan Machinery (FRA:3TY), the current Effective Interest Rate on Debt % is 3.89% 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 Titan Machinery (FRA:3TY) Overvalued in 2026?

Based on GuruFocus' analysis, Titan Machinery stock appears to be overvalued. The current stock price of €15.90 is trading 7.7% above its estimated GF Value™ of €14.77. GuruFocus considers Titan Machinery to be Fairly Valued.

Key valuation signals for FRA:3TY:

  • Effective Interest Rate on Debt %: 3.89%
  • GF Value™: €14.77 vs. price of €15.90 (7.7% above fair value)
  • GF Score™: 64/100 with 5 warning signs

No single metric tells the full story. See the FRA:3TY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Titan Machinery Business Description

Other Exchanges TITN:USA
Address 644 East Beaton Drive, West Fargo, ND, USA, 58078-2648
Titan Machinery Inc owns and operates a network of full-service agricultural and construction equipment stores. The company sells and repairs agricultural equipment, including machinery and attachments for large-scale farming and home and gardening purposes, as well as construction equipment. It operates through following segments: The Agriculture segment sells, services, and rents machinery and related parts and attachments, for uses ranging from large-scale farming to home and garden use, The construction segment sells, services, and rents machinery, and related parts and attachments, for uses ranging from heavy construction to light industrial machinery use, and the Europe and Australia segments.
64GF Score

Get the complete analysis for FRA:3TY

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

€15.90
Price
€14.77
GF Value