PBPB (Potbelly) Effective Interest Rate on Debt %: 0.33% (As of Jun. 2025)

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PBPB Potbelly Corp PBPB
9 GF Score
Price $17.12
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What is Potbelly Effective Interest Rate on Debt %?

Potbelly PBPB 9 Effective Interest Rate on Debt % is 0.33% as of Jun. 2025. GuruFocus rates PBPB with a GF Score™ of 9/100.

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. Potbelly's annualized positive value of Interest Expense for the quarter that ended in Jun. 2025 was $0.5 Mil. Potbelly's average total debt for the quarter that ended in Jun. 2025 was $150.4 Mil. Therefore, Potbelly's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2025 was 0.33%.

Potbelly  (NAS:PBPB) Effective Interest Rate on Debt % Explanation

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

Potbelly Effective Interest Rate on Debt % Related Terms

Potbelly Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Potbelly'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.

Potbelly Effective Interest Rate on Debt % Chart

Potbelly Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.45 0.42 0.66 1.71 0.49

Potbelly Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25
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 0.45 0.41 0.31 0.43 0.33

PBPB vs BRCB, NATH, VENU: Effective Interest Rate on Debt % Comparison

For the Restaurants subindustry, Potbelly'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.

Potbelly Effective Interest Rate on Debt % vs Restaurants Industry

For the Restaurants industry and Consumer Cyclical sector, Potbelly's Effective Interest Rate on Debt % distribution charts can be found below:

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


PBPB
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Potbelly Corp PBPB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Potbelly Effective Interest Rate on Debt % Calculation

Potbelly's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -0.829/( (186.993+154.738)/ 2 )
=-1  *  -0.829/170.8655
=0.49 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=161.218 + 25.775
=186.993

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=131.929 + 22.809
=154.738

Potbelly's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2025 )+Total Debt  (Q: Jun. 2025 ))/ count )
=-1  *  -0.492/( (153.14+147.669)/ 2 )
=-1  *  -0.492/150.4045
=0.33 %

where

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=130.68 + 22.46
=153.14

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=121.508 + 26.161
=147.669

* 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 (Jun. 2025) 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 0.33% mean?
Potbelly (PBPB) has a Effective Interest Rate on Debt % of 0.33% as of Jun. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Potbelly and its competitors.
Is Potbelly's Effective Interest Rate on Debt % too high?
Potbelly's current Effective Interest Rate on Debt % is 0.33%. Overall, Potbelly has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Potbelly's Effective Interest Rate on Debt % compare to BRCB and NATH?
Potbelly's Effective Interest Rate on Debt % of 0.33% can be compared against companies in the Restaurants 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 Restaurants company?
A good Effective Interest Rate on Debt % depends on the Restaurants 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 Potbelly and its competitors. Potbelly's current Effective Interest Rate on Debt % is 0.33%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Potbelly stock overvalued right now?
Potbelly (PBPB) has a current Effective Interest Rate on Debt % of 0.33%. The current Effective Interest Rate on Debt % is 0.33%. Potbelly's overall GF Score™ is 9/100. 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 Potbelly (PBPB), the current Effective Interest Rate on Debt % is 0.33% as of Jun. 2025. 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.

Potbelly Business Description

Address 111 North Canal Street, Suite 325, Chicago, IL, USA, 60606
Potbelly Corp owns and franchises hundreds of limited-service restaurants specializing in sandwiches and salads, shakes. The menu includes toasty sandwiches, signature salads, soups, chili, sides, desserts, and, in breakfast locations it serves breakfast sandwiches and steel-cut oatmeal. majority of its locations are company-owned and located in the United States, with Illinois and Texas housing far more locations than any other state. The company has franchise partners in a number of countries. Excluding the United States, its franchises are in the Middle East.
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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.

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