LINC (Lincoln Educational Services) Effective Interest Rate on Debt %: 1.63% (As of Mar. 2026)

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LINC Lincoln Educational Services Corp LINC
63 GF Score
Price $40.00
GF Value $18.99
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Lincoln Educational Services Effective Interest Rate on Debt %?

Lincoln Educational Services LINC -2.26% 63 Effective Interest Rate on Debt % is 1.63% as of Mar. 2026. GuruFocus rates LINC with a GF Score™ of 63/100 and a GF Value™ of $18.99 (Significantly Overvalued). The stock has 4 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. Lincoln Educational Services's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $3.3 Mil. Lincoln Educational Services's average total debt for the quarter that ended in Mar. 2026 was $205.2 Mil. Therefore, Lincoln Educational Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 1.63%.


Lincoln Educational Services  (NAS:LINC) Effective Interest Rate on Debt % Explanation

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


Lincoln Educational Services Effective Interest Rate on Debt % Related Terms


Lincoln Educational Services Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Lincoln Educational Services'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.

Lincoln Educational Services Effective Interest Rate on Debt % Chart

Lincoln Educational Services 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 2.29 0.16 0.32 1.74 1.78

Lincoln Educational Services 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 1.58 1.78 2.06 1.78 1.63

LINC vs COUR, STRA, AFYA: Effective Interest Rate on Debt % Comparison

For the Education & Training Services subindustry, Lincoln Educational Services'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.


Lincoln Educational Services Effective Interest Rate on Debt % vs Education Industry

For the Education industry and Consumer Defensive sector, Lincoln Educational Services's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Lincoln Educational Services's Effective Interest Rate on Debt % falls into.


LINC
63GF Score
Lincoln Educational Services Corp LINC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Lincoln Educational Services Effective Interest Rate on Debt % Calculation

Lincoln Educational Services'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  *  -3.394/( (177.561+203.864)/ 2 )
=-1  *  -3.394/190.7125
=1.78 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=168.064 + 9.497
=177.561

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=192.767 + 11.097
=203.864

Lincoln Educational Services'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  *  -3.348/( (203.864+206.55)/ 2 )
=-1  *  -3.348/205.207
=1.63 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=192.767 + 11.097
=203.864

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=195.607 + 10.943
=206.55

* 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 1.63% mean?
Lincoln Educational Services (LINC) has a Effective Interest Rate on Debt % of 1.63% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Lincoln Educational Services and its competitors.
Is Lincoln Educational Services' Effective Interest Rate on Debt % too high?
Lincoln Educational Services' current Effective Interest Rate on Debt % is 1.63%. Overall, Lincoln Educational Services has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lincoln Educational Services' Effective Interest Rate on Debt % compare to COUR and STRA?
Lincoln Educational Services' Effective Interest Rate on Debt % of 1.63% can be compared against companies in the Education 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 Education company?
A good Effective Interest Rate on Debt % depends on the Education 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 Lincoln Educational Services and its competitors. Lincoln Educational Services's current Effective Interest Rate on Debt % is 1.63%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lincoln Educational Services stock overvalued right now?
Based on GuruFocus' analysis, Lincoln Educational Services (LINC) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.99, compared to a current price of $40.00 — trading 110.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 1.63%. Lincoln Educational Services' overall GF Score™ is 63/100 with 4 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 Lincoln Educational Services (LINC), the current Effective Interest Rate on Debt % is 1.63% 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 Lincoln Educational Services (LINC) Overvalued in 2026?

Based on GuruFocus' analysis, Lincoln Educational Services stock appears to be overvalued. The current stock price of $40.00 is trading 110.6% above its estimated GF Value™ of $18.99. GuruFocus considers Lincoln Educational Services to be Significantly Overvalued.

Key valuation signals for LINC:

  • Effective Interest Rate on Debt %: 1.63%
  • GF Value™: $18.99 vs. price of $40.00 (110.6% above fair value)
  • GF Score™: 63/100 with 4 warning signs

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


Lincoln Educational Services Business Description

Other Exchanges K1L:Germany
Address 14 Sylvan Way, Suite A, Parsippany, NJ, USA, 07054
Lincoln Educational Services Corp provides diversified career-oriented post-secondary education to high school graduates and working adults. The company offers programs in automotive technology, skilled trades, healthcare services, hospitality services, and business and information technology. Its reportable segments include: Campus Operations and Transitional. The majority of the revenue is generated from the Campus Operations segment, which includes all campuses that are continuing in operation and contribute to the company's core operations and performance.
63GF 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.

$40.00
Price
$18.99
GF Value