RMCF (Rocky Mountain Chocolate Factory) Effective Interest Rate on Debt %: 10.23% (As of Feb. 2026)


RMCF Rocky Mountain Chocolate Factory Inc RMCF
50 GF Score
Price $1.13
GF Value $1.91
Valuation Possible Value Trap
! 9 Warning Signs
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What is Rocky Mountain Chocolate Factory Effective Interest Rate on Debt %?

Rocky Mountain Chocolate Factory RMCF -3.42% 50 Effective Interest Rate on Debt % is 10.23% as of Feb. 2026. GuruFocus rates RMCF with a GF Score™ of 50/100 and a GF Value™ of $1.91 (Possible Value Trap). The stock has 9 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. Rocky Mountain Chocolate Factory's annualized positive value of Interest Expense for the quarter that ended in Feb. 2026 was $0.88 Mil. Rocky Mountain Chocolate Factory's average total debt for the quarter that ended in Feb. 2026 was $8.56 Mil. Therefore, Rocky Mountain Chocolate Factory's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 was 10.23%.


Rocky Mountain Chocolate Factory  (NAS:RMCF) Effective Interest Rate on Debt % Explanation

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


Rocky Mountain Chocolate Factory Effective Interest Rate on Debt % Related Terms


Rocky Mountain Chocolate Factory Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Rocky Mountain Chocolate Factory'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.

Rocky Mountain Chocolate Factory Effective Interest Rate on Debt % Chart

Rocky Mountain Chocolate Factory Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.48 1.99 8.94 11.11

Rocky Mountain Chocolate Factory Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
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 10.76 10.51 9.19 10.42 10.23

RMCF vs CTGL, PURE, DQWS: Effective Interest Rate on Debt % Comparison

For the Confectioners subindustry, Rocky Mountain Chocolate Factory'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.


Rocky Mountain Chocolate Factory Effective Interest Rate on Debt % vs Consumer Packaged Goods Industry

For the Consumer Packaged Goods industry and Consumer Defensive sector, Rocky Mountain Chocolate Factory's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Rocky Mountain Chocolate Factory's Effective Interest Rate on Debt % falls into.


RMCF
50GF Score
Rocky Mountain Chocolate Factory Inc RMCF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Rocky Mountain Chocolate Factory Effective Interest Rate on Debt % Calculation

Rocky Mountain Chocolate Factory's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Feb. 2025 )+Total Debt  (A: Feb. 2026 ))/ count )
=-1  *  -0.84/( (7.215+7.904)/ 2 )
=-1  *  -0.84/7.5595
=11.11 %

where

Total Debt  (A: Feb. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.727 + 0.488
=7.215

Total Debt  (A: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=7.622 + 0.282
=7.904

Rocky Mountain Chocolate Factory's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Nov. 2025 )+Total Debt  (Q: Feb. 2026 ))/ count )
=-1  *  -0.876/( (9.222+7.904)/ 2 )
=-1  *  -0.876/8.563
=10.23 %

where

Total Debt  (Q: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.762 + 0.46
=9.222

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=7.622 + 0.282
=7.904

* 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 (Feb. 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 10.23% mean?
Rocky Mountain Chocolate Factory (RMCF) has a Effective Interest Rate on Debt % of 10.23% as of Feb. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Rocky Mountain Chocolate Factory and its competitors.
Is Rocky Mountain Chocolate Factory's Effective Interest Rate on Debt % too high?
Rocky Mountain Chocolate Factory's current Effective Interest Rate on Debt % is 10.23%. Overall, Rocky Mountain Chocolate Factory has a GF Score™ of 50/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Rocky Mountain Chocolate Factory's Effective Interest Rate on Debt % compare to CTGL and PURE?
Rocky Mountain Chocolate Factory's Effective Interest Rate on Debt % of 10.23% can be compared against companies in the Consumer Packaged Goods 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 Consumer Packaged Goods company?
A good Effective Interest Rate on Debt % depends on the Consumer Packaged Goods 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 Rocky Mountain Chocolate Factory and its competitors. Rocky Mountain Chocolate Factory's current Effective Interest Rate on Debt % is 10.23%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rocky Mountain Chocolate Factory stock overvalued right now?
Based on GuruFocus' analysis, Rocky Mountain Chocolate Factory (RMCF) is currently considered Possible Value Trap. The stock's GF Value™ is $1.91, compared to a current price of $1.13 — trading 40.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 10.23%. Rocky Mountain Chocolate Factory's overall GF Score™ is 50/100 with 9 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 Rocky Mountain Chocolate Factory (RMCF), the current Effective Interest Rate on Debt % is 10.23% as of Feb. 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 Rocky Mountain Chocolate Factory (RMCF) Overvalued in 2026?

Based on GuruFocus' analysis, Rocky Mountain Chocolate Factory stock appears to be undervalued. The current stock price of $1.13 is trading 40.8% below its estimated GF Value™ of $1.91. GuruFocus considers Rocky Mountain Chocolate Factory to be Possible Value Trap.

Key valuation signals for RMCF:

  • Effective Interest Rate on Debt %: 10.23%
  • GF Value™: $1.91 vs. price of $1.13 (40.8% below fair value)
  • GF Score™: 50/100 with 9 warning signs

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


Rocky Mountain Chocolate Factory Business Description

Other Exchanges RMFA:Germany
Address 265 Turner Drive, Durango, CO, USA, 81303
Rocky Mountain Chocolate Factory Inc operates as a manufacturer of chocolate candies and confectionery products. The company prepares numerous products, including caramel apples in the store. The business activity of the firm functions through Franchising, Manufacturing, Retail Stores, and Others. The company derives maximum revenue through manufacturing activities. The products of the company include varieties of Clusters, Caramels, Creams, Toffees, Mints, and Truffles.
50GF 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.

$1.13
Price
$1.91
GF Value