RYAM (Rayonier Advanced Materials) Effective Interest Rate on Debt %: 11.99% (As of Mar. 2026)


RYAM Rayonier Advanced Materials Inc RYAM
56 GF Score
Price $7.86
GF Value $4.92
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Rayonier Advanced Materials Effective Interest Rate on Debt %?

Rayonier Advanced Materials RYAM -0.63% 56 Effective Interest Rate on Debt % is 11.99% as of Mar. 2026. GuruFocus rates RYAM with a GF Score™ of 56/100 and a GF Value™ of $4.92 (Significantly Overvalued). The stock has 4 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. Rayonier Advanced Materials's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $92 Mil. Rayonier Advanced Materials's average total debt for the quarter that ended in Mar. 2026 was $771 Mil. Therefore, Rayonier Advanced Materials's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 11.99%.


Rayonier Advanced Materials  (NYSE:RYAM) Effective Interest Rate on Debt % Explanation

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


Rayonier Advanced Materials Effective Interest Rate on Debt % Related Terms


Rayonier Advanced Materials Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Rayonier Advanced Materials'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.

Rayonier Advanced Materials Effective Interest Rate on Debt % Chart

Rayonier Advanced Materials Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.60 7.43 9.05 11.37 12.98

Rayonier Advanced Materials 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 12.88 12.79 12.87 13.17 11.99

RYAM vs ASIX, VHI, ASPI: Effective Interest Rate on Debt % Comparison

For the Chemicals subindustry, Rayonier Advanced Materials'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.


Rayonier Advanced Materials Effective Interest Rate on Debt % vs Chemicals Industry

For the Chemicals industry and Basic Materials sector, Rayonier Advanced Materials's Effective Interest Rate on Debt % distribution charts can be found below:

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


RYAM
56GF Score
Rayonier Advanced Materials Inc RYAM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Rayonier Advanced Materials Effective Interest Rate on Debt % Calculation

Rayonier Advanced Materials'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  *  -97.953/( (729.823+779.018)/ 2 )
=-1  *  -97.953/754.4205
=12.98 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=706.444 + 23.379
=729.823

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=758.109 + 20.909
=779.018

Rayonier Advanced Materials'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  *  -92.456/( (779.018+763.414)/ 2 )
=-1  *  -92.456/771.216
=11.99 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=758.109 + 20.909
=779.018

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=735.46 + 27.954
=763.414

* 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 11.99% mean?
Rayonier Advanced Materials (RYAM) has a Effective Interest Rate on Debt % of 11.99% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Rayonier Advanced Materials and its competitors.
Is Rayonier Advanced Materials' Effective Interest Rate on Debt % too high?
Rayonier Advanced Materials' current Effective Interest Rate on Debt % is 11.99%. Overall, Rayonier Advanced Materials has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Rayonier Advanced Materials' Effective Interest Rate on Debt % compare to ASIX and VHI?
Rayonier Advanced Materials' Effective Interest Rate on Debt % of 11.99% can be compared against companies in the Chemicals 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 Chemicals company?
A good Effective Interest Rate on Debt % depends on the Chemicals 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 Rayonier Advanced Materials and its competitors. Rayonier Advanced Materials's current Effective Interest Rate on Debt % is 11.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rayonier Advanced Materials stock overvalued right now?
Based on GuruFocus' analysis, Rayonier Advanced Materials (RYAM) is currently considered Significantly Overvalued. The stock's GF Value™ is $4.92, compared to a current price of $7.86 — trading 59.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 11.99%. Rayonier Advanced Materials' overall GF Score™ is 56/100 with 4 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 Rayonier Advanced Materials (RYAM), the current Effective Interest Rate on Debt % is 11.99% 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 Rayonier Advanced Materials (RYAM) Overvalued in 2026?

Based on GuruFocus' analysis, Rayonier Advanced Materials stock appears to be overvalued. The current stock price of $7.86 is trading 59.8% above its estimated GF Value™ of $4.92. GuruFocus considers Rayonier Advanced Materials to be Significantly Overvalued.

Key valuation signals for RYAM:

  • Effective Interest Rate on Debt %: 11.99%
  • GF Value™: $4.92 vs. price of $7.86 (59.8% above fair value)
  • GF Score™: 56/100 with 4 warning signs

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


Rayonier Advanced Materials Business Description

Other Exchanges RYQ:Germany
Address 1301 Riverplace Boulevard, Suite 2300, Jacksonville, FL, USA, 32207
Rayonier Advanced Materials Inc engaged in the production and sale of high-purity cellulose and other cellulose-based materials derived from renewable wood fiber. The company operates through five segments: Cellulose Specialties, which produces purified cellulose used in products such as filters, pharmaceuticals, food additives and electronics; Biomaterials, which produces products including biofuels, lignosulfonates and other bio-based chemicals; Cellulose Commodities, which manufactures absorbent and viscose pulp used in textiles and hygiene products; Paperboard, which produces coated paperboard used for packaging and printing applications; and High-Yield Pulp, which produces pulp used in paperboard, packaging and printing paper products.
56GF Score

Get the complete analysis for RYAM

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

$7.86
Price
$4.92
GF Value