NNWWF (The North West Co) Effective Interest Rate on Debt %: 3.91% (As of Apr. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NNWWF The North West Co Inc NNWWF
85 GF Score
Price $36.29
GF Value $34.77
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is The North West Co Effective Interest Rate on Debt %?

The North West Co NNWWF 85 Effective Interest Rate on Debt % is 3.91% as of Apr. 2026. GuruFocus rates NNWWF with a GF Score™ of 85/100 and a GF Value™ of $34.77 (Fairly Valued). The stock has 3 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. The North West Co's annualized positive value of Interest Expense for the quarter that ended in Apr. 2026 was $13 Mil. The North West Co's average total debt for the quarter that ended in Apr. 2026 was $327 Mil. Therefore, The North West Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 was 3.91%.


The North West Co  (OTCPK:NNWWF) Effective Interest Rate on Debt % Explanation

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


The North West Co Effective Interest Rate on Debt % Related Terms


The North West Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for The North West Co'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.

The North West Co Effective Interest Rate on Debt % Chart

The North West Co 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 3.78 4.09 4.90 4.38 4.27

The North West Co 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 3.79 4.07 3.94 4.56 3.91

NNWWF vs KR, SFM, ACI: Effective Interest Rate on Debt % Comparison

For the Grocery Stores subindustry, The North West Co'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.


The North West Co Effective Interest Rate on Debt % vs Retail - Defensive Industry

For the Retail - Defensive industry and Consumer Defensive sector, The North West Co's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where The North West Co's Effective Interest Rate on Debt % falls into.


NNWWF
85GF Score
The North West Co Inc NNWWF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The North West Co Effective Interest Rate on Debt % Calculation

The North West Co'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  *  -13.075/( (293.406+318.75)/ 2 )
=-1  *  -13.075/306.078
=4.27 %

where

Total Debt  (A: Jan. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=278.917 + 14.489
=293.406

Total Debt  (A: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=303.93 + 14.82
=318.75

The North West Co'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  *  -12.792/( (318.75+335.786)/ 2 )
=-1  *  -12.792/327.268
=3.91 %

where

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=303.93 + 14.82
=318.75

Total Debt  (Q: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=320.013 + 15.773
=335.786

* 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 3.91% mean?
The North West Co (NNWWF) has a Effective Interest Rate on Debt % of 3.91% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on The North West Co and its competitors.
Is The North West Co's Effective Interest Rate on Debt % too high?
The North West Co's current Effective Interest Rate on Debt % is 3.91%. Overall, The North West Co has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The North West Co's Effective Interest Rate on Debt % compare to KR and SFM?
The North West Co's Effective Interest Rate on Debt % of 3.91% 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 The North West Co and its competitors. The North West Co's current Effective Interest Rate on Debt % is 3.91%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The North West Co stock overvalued right now?
Based on GuruFocus' analysis, The North West Co (NNWWF) is currently considered Fairly Valued. The stock's GF Value™ is $34.77, compared to a current price of $36.29 — trading 4.4% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.91%. The North West Co's overall GF Score™ is 85/100 with 3 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 The North West Co (NNWWF), the current Effective Interest Rate on Debt % is 3.91% 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 The North West Co (NNWWF) Overvalued in 2026?

Based on GuruFocus' analysis, The North West Co stock appears to be overvalued. The current stock price of $36.29 is trading 4.4% above its estimated GF Value™ of $34.77. GuruFocus considers The North West Co to be Fairly Valued.

Key valuation signals for NNWWF:

  • Effective Interest Rate on Debt %: 3.91%
  • GF Value™: $34.77 vs. price of $36.29 (4.4% above fair value)
  • GF Score™: 85/100 with 3 warning signs

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


The North West Co Business Description

Other Exchanges 3NW:GermanyNWC:Canada
Address 77 Main Street, Gibraltar House, Winnipeg, MB, CAN, R3C 2R1
The North West Co Inc is a retailer to rural and remote communities and underserved urban neighbourhood markets in Northern Canada, Western Canada, rural Alaska, the South Pacific islands, and the Caribbean. The Company offers a broad Multiple products and services with an emphasis on food, focusing on everyday household and local lifestyle needs. It operates as a retailer of food and everyday products and services through two geographical segments: Canadian and International. The Canadian segment generates maximum revenue and consists of subsidiaries operating retail stores and complementary businesses serving northern Canada, while the International segment consists of subsidiaries operating in the continental United States, the Caribbean, and the South Pacific.
85GF Score

Get the complete analysis for NNWWF

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

$36.29
Price
$34.77
GF Value