MCW (Mister Car Wash) Effective Interest Rate on Debt %: 2.79% (As of Mar. 2026)

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MCW Mister Car Wash Inc MCW
62 GF Score
Price $7.10
GF Value $7.76
! 8 Warning Signs
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What is Mister Car Wash Effective Interest Rate on Debt %?

Mister Car Wash MCW 62 Effective Interest Rate on Debt % is 2.79% as of Mar. 2026. GuruFocus rates MCW with a GF Score™ of 62/100 and a GF Value™ of $7.76. The stock has 8 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. Mister Car Wash's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $49 Mil. Mister Car Wash's average total debt for the quarter that ended in Mar. 2026 was $1,762 Mil. Therefore, Mister Car Wash's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 2.79%.


Mister Car Wash  (NAS:MCW) Effective Interest Rate on Debt % Explanation

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


Mister Car Wash Effective Interest Rate on Debt % Related Terms


Mister Car Wash Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Mister Car Wash'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.

Mister Car Wash Effective Interest Rate on Debt % Chart

Mister Car Wash Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 2.28 2.48 4.32 4.37 3.24

Mister Car Wash 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 3.49 3.38 3.16 3.09 2.79

MCW vs DRVN, SAH, CARG: Effective Interest Rate on Debt % Comparison

For the Auto & Truck Dealerships subindustry, Mister Car Wash'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.


Mister Car Wash Effective Interest Rate on Debt % vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, Mister Car Wash's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Mister Car Wash's Effective Interest Rate on Debt % falls into.


MCW
62GF Score
Mister Car Wash Inc MCW
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Mister Car Wash Effective Interest Rate on Debt % Calculation

Mister Car Wash'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  *  -58.883/( (1869.679+1770.112)/ 2 )
=-1  *  -58.883/1819.8955
=3.24 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1812.969 + 56.71
=1869.679

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1715.608 + 54.504
=1770.112

Mister Car Wash'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  *  -49.132/( (1770.112+1752.896)/ 2 )
=-1  *  -49.132/1761.504
=2.79 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1715.608 + 54.504
=1770.112

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1697.45 + 55.446
=1752.896

* 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 2.79% mean?
Mister Car Wash (MCW) has a Effective Interest Rate on Debt % of 2.79% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Mister Car Wash and its competitors.
Is Mister Car Wash's Effective Interest Rate on Debt % too high?
Mister Car Wash's current Effective Interest Rate on Debt % is 2.79%. Overall, Mister Car Wash has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Mister Car Wash's Effective Interest Rate on Debt % compare to DRVN and SAH?
Mister Car Wash's Effective Interest Rate on Debt % of 2.79% can be compared against companies in the Vehicles & Parts 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 Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts 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 Mister Car Wash and its competitors. Mister Car Wash's current Effective Interest Rate on Debt % is 2.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mister Car Wash stock overvalued right now?
Mister Car Wash (MCW) has a current Effective Interest Rate on Debt % of 2.79%. The stock's GF Value™ is $7.76, compared to a current price of $7.10 — trading 8.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 2.79%. Mister Car Wash's overall GF Score™ is 62/100 with 8 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 Mister Car Wash (MCW), the current Effective Interest Rate on Debt % is 2.79% 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 Mister Car Wash (MCW) Overvalued in 2026?

Based on GuruFocus' analysis, Mister Car Wash stock appears to be undervalued. The current stock price of $7.10 is trading 8.5% below its estimated GF Value™ of $7.76.

Key valuation signals for MCW:

  • Effective Interest Rate on Debt %: 2.79%
  • GF Value™: $7.76 vs. price of $7.10 (8.5% below fair value)
  • GF Score™: 62/100 with 8 warning signs

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


Mister Car Wash Business Description

Address 222 East 5th Street, Tucson, AZ, USA, 85705
Mister Car Wash Inc is a car wash brand offering express exterior and interior cleaning services. The company's car wash locations consist of two formats: Express Exterior Locations and Interior Cleaning Locations. Express Exterior Locations offer self-drive exterior cleaning services and include free vacuums available for customer use. Interior Cleaning Locations offer exterior and interior cleaning services, including vacuuming. The company recognizes revenue from activities related to providing car wash services at its car wash locations that are geographically diversified throughout the United States and have similar economic characteristics and nature of services.
62GF 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.

$7.10
Price
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