PAL (Proficient Auto Logistics) Effective Interest Rate on Debt %: 6.62% (As of Mar. 2026)


PAL Proficient Auto Logistics Inc PAL
15 GF Score
Price $6.39
! 1 Warning Sign
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What is Proficient Auto Logistics Effective Interest Rate on Debt %?

Proficient Auto Logistics PAL -3.29% 15 Effective Interest Rate on Debt % is 6.62% as of Mar. 2026. GuruFocus rates PAL with a GF Score™ of 15/100. The stock has 1 warning sign 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. Proficient Auto Logistics's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $5.6 Mil. Proficient Auto Logistics's average total debt for the quarter that ended in Mar. 2026 was $84.4 Mil. Therefore, Proficient Auto Logistics's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 6.62%.


Proficient Auto Logistics  (NAS:PAL) Effective Interest Rate on Debt % Explanation

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


Proficient Auto Logistics Effective Interest Rate on Debt % Related Terms


Proficient Auto Logistics Effective Interest Rate on Debt % Historical Data

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The historical data trend for Proficient Auto Logistics'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.

Proficient Auto Logistics Effective Interest Rate on Debt % Chart

Proficient Auto Logistics Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
0.00 8.18 7.62 7.29

Proficient Auto Logistics Quarterly Data
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 6.85 7.70 7.10 6.81 6.62

PAL vs SFWL, CRGO, NCEW: Effective Interest Rate on Debt % Comparison

For the Integrated Freight & Logistics subindustry, Proficient Auto Logistics'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.


Proficient Auto Logistics Effective Interest Rate on Debt % vs Transportation Industry

For the Transportation industry and Industrials sector, Proficient Auto Logistics's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Proficient Auto Logistics's Effective Interest Rate on Debt % falls into.


PAL
15GF Score
Proficient Auto Logistics Inc PAL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Proficient Auto Logistics Effective Interest Rate on Debt % Calculation

Proficient Auto Logistics'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  *  -6.589/( (93.571+87.278)/ 2 )
=-1  *  -6.589/90.4245
=7.29 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=72.603 + 20.968
=93.571

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=64.717 + 22.561
=87.278

Proficient Auto Logistics'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  *  -5.588/( (87.278+81.544)/ 2 )
=-1  *  -5.588/84.411
=6.62 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=64.717 + 22.561
=87.278

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=59.426 + 22.118
=81.544

* 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 6.62% mean?
Proficient Auto Logistics (PAL) has a Effective Interest Rate on Debt % of 6.62% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Proficient Auto Logistics and its competitors.
Is Proficient Auto Logistics' Effective Interest Rate on Debt % too high?
Proficient Auto Logistics' current Effective Interest Rate on Debt % is 6.62%. Overall, Proficient Auto Logistics has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Proficient Auto Logistics' Effective Interest Rate on Debt % compare to SFWL and CRGO?
Proficient Auto Logistics' Effective Interest Rate on Debt % of 6.62% can be compared against companies in the Transportation 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 Transportation company?
A good Effective Interest Rate on Debt % depends on the Transportation 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 Proficient Auto Logistics and its competitors. Proficient Auto Logistics's current Effective Interest Rate on Debt % is 6.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Proficient Auto Logistics stock overvalued right now?
Proficient Auto Logistics (PAL) has a current Effective Interest Rate on Debt % of 6.62%. The current Effective Interest Rate on Debt % is 6.62%. Proficient Auto Logistics' overall GF Score™ is 15/100 with 1 warning sign 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 Proficient Auto Logistics (PAL), the current Effective Interest Rate on Debt % is 6.62% 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.

Proficient Auto Logistics Business Description

Address 12276 San Jose Boulevard, Suite 426, Jacksonville, FL, USA, 32223
Proficient Auto Logistics Inc is a non-union, specialized freight company focused on providing auto transportation and logistics services. The company operates auto transportation fleets in North America based upon information obtained from the Auto Haulers Association of America, utilizing auto transport vehicles and trailers daily, including Company-owned transport vehicles and trailers. The company is organized into two operating segments, Company Drivers and Subhaulers. In Company Drivers segment, revenue is generated by transporting autos for customers in OEM contract and spot arrangements and secondary market auto moves. In Subhaulers segment, company generates revenue by independent owner operators and independent third-party carriers.
15GF Score

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