United Natural Foods (FRA:UN3) Effective Interest Rate on Debt %: 3.64% (As of Apr. 2026)

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FRA:UN3 United Natural Foods Inc FRA:UN3
58 GF Score
Price €41.85
GF Value €18.17
Valuation Significantly Overvalued
! 6 Warning Signs
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What is United Natural Foods Effective Interest Rate on Debt %?

United Natural Foods FRA:UN3 -2.40% 58 Effective Interest Rate on Debt % is 3.64% as of Apr. 2026. GuruFocus rates FRA:UN3 with a GF Score™ of 58/100 and a GF Value™ of €18.17 (Significantly Overvalued). The stock has 6 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. United Natural Foods's annualized positive value of Interest Expense for the quarter that ended in Apr. 2026 was €99 Mil. United Natural Foods's average total debt for the quarter that ended in Apr. 2026 was €2,725 Mil. Therefore, United Natural Foods's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 was 3.64%.


United Natural Foods  (FRA:UN3) Effective Interest Rate on Debt % Explanation

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


United Natural Foods Effective Interest Rate on Debt % Related Terms


United Natural Foods Effective Interest Rate on Debt % Historical Data

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The historical data trend for United Natural Foods'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.

United Natural Foods Effective Interest Rate on Debt % Chart

United Natural Foods Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.68 4.90 4.15 4.33 3.82

United Natural Foods 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 3.68 3.57 3.70 3.80 3.64

FRA:UN3 vs ANDE, CHEF, AVO: Effective Interest Rate on Debt % Comparison

For the Food Distribution subindustry, United Natural Foods'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.


United Natural Foods Effective Interest Rate on Debt % vs Retail - Defensive Industry

For the Retail - Defensive industry and Consumer Defensive sector, United Natural Foods's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where United Natural Foods's Effective Interest Rate on Debt % falls into.


FRA:UN3
58GF Score
United Natural Foods Inc FRA:UN3
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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United Natural Foods Effective Interest Rate on Debt % Calculation

United Natural Foods's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jul. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jul. 2024 )+Total Debt  (A: Jul. 2025 ))/ count )
=-1  *  -119.123/( (3271.256+2957.507)/ 2 )
=-1  *  -119.123/3114.3815
=3.82 %

where

Total Debt  (A: Jul. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3094.232 + 177.024
=3271.256

Total Debt  (A: Jul. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2802.39 + 155.117
=2957.507

United Natural Foods'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  *  -99.18/( (2753.836+2695.815)/ 2 )
=-1  *  -99.18/2724.8255
=3.64 %

where

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2620.229 + 133.607
=2753.836

Total Debt  (Q: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2548.755 + 147.06
=2695.815

* 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 3.64% mean?
United Natural Foods (FRA:UN3) has a Effective Interest Rate on Debt % of 3.64% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on United Natural Foods and its competitors.
Is United Natural Foods' Effective Interest Rate on Debt % too high?
United Natural Foods' current Effective Interest Rate on Debt % is 3.64%. Overall, United Natural Foods has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Natural Foods' Effective Interest Rate on Debt % compare to ANDE and CHEF?
United Natural Foods' Effective Interest Rate on Debt % of 3.64% can be compared against companies in the Retail - Defensive 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 - Defensive company?
A good Effective Interest Rate on Debt % depends on the Retail - Defensive 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 United Natural Foods and its competitors. United Natural Foods's current Effective Interest Rate on Debt % is 3.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Natural Foods stock overvalued right now?
Based on GuruFocus' analysis, United Natural Foods (FRA:UN3) is currently considered Significantly Overvalued. The stock's GF Value™ is €18.17, compared to a current price of €41.85 — trading 130.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.64%. United Natural Foods' overall GF Score™ is 58/100 with 6 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 United Natural Foods (FRA:UN3), the current Effective Interest Rate on Debt % is 3.64% 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 United Natural Foods (FRA:UN3) Overvalued in 2026?

Based on GuruFocus' analysis, United Natural Foods stock appears to be overvalued. The current stock price of €41.85 is trading 130.3% above its estimated GF Value™ of €18.17. GuruFocus considers United Natural Foods to be Significantly Overvalued.

Key valuation signals for FRA:UN3:

  • Effective Interest Rate on Debt %: 3.64%
  • GF Value™: €18.17 vs. price of €41.85 (130.3% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the FRA:UN3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


United Natural Foods Business Description

Address 15 Park Row West, Suite 302, Providence, RI, USA, 02903
United Natural Foods Inc is a wholesale distributor of natural, organic and specialty foods and nonfood products across North America. The company's products consist of national, regional and private label brands grouped into grocery and general merchandise, produce, perishables and frozen foods, nutritional supplements and sports nutrition, bulk and foodservice products, and personal care items. United Natural Foods serves various retail formats including conventional supermarket chains, natural product superstores, independent retail operators and foodservice channels such as e-commerce platforms. The company's operations are comprised of principal divisions: the wholesale division; the retail division; and other.
58GF Score

Get the complete analysis for FRA:UN3

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

€41.85
Price
€18.17
GF Value