SRFM (Surf Air Mobility) Effective Interest Rate on Debt %: 5.62% (As of Jun. 2026)

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SRFM Surf Air Mobility Inc SRFM
46 GF Score
Price $0.67
GF Value $0.68
Valuation Fairly Valued
! 8 Warning Signs
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What is Surf Air Mobility Effective Interest Rate on Debt %?

Surf Air Mobility SRFM -0.49% 46 Effective Interest Rate on Debt % is 5.62% as of Jun. 2026. GuruFocus rates SRFM with a GF Score™ of 46/100 and a GF Value™ of $0.68 (Fairly Valued). The stock has 8 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. Surf Air Mobility's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was $5.0 Mil. Surf Air Mobility's average total debt for the quarter that ended in Jun. 2026 was $88.1 Mil. Therefore, Surf Air Mobility's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 5.62%.


Surf Air Mobility  (NYSE:SRFM) Effective Interest Rate on Debt % Explanation

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


Surf Air Mobility Effective Interest Rate on Debt % Related Terms


Surf Air Mobility Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Surf Air Mobility'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.

Surf Air Mobility Effective Interest Rate on Debt % Chart

Surf Air Mobility Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 9.76 2.22 7.64 12.32 13.71

Surf Air Mobility Quarterly Data
Dec20 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 16.57 14.47 9.67 5.15 5.62

SRFM vs FLYX, HRBR, FLYYQ: Effective Interest Rate on Debt % Comparison

For the Airlines subindustry, Surf Air Mobility'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.


Surf Air Mobility Effective Interest Rate on Debt % vs Transportation Industry

For the Transportation industry and Industrials sector, Surf Air Mobility's Effective Interest Rate on Debt % distribution charts can be found below:

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


SRFM
46GF Score
Surf Air Mobility Inc SRFM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Surf Air Mobility Effective Interest Rate on Debt % Calculation

Surf Air Mobility'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  *  -13.205/( (92.488+100.119)/ 2 )
=-1  *  -13.205/96.3035
=13.71 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=79.718 + 12.77
=92.488

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=48.956 + 51.163
=100.119

Surf Air Mobility's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -4.956/( (90.019+86.216)/ 2 )
=-1  *  -4.956/88.1175
=5.62 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=36.189 + 53.83
=90.019

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=22.015 + 64.201
=86.216

* 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. 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 5.62% mean?
Surf Air Mobility (SRFM) has a Effective Interest Rate on Debt % of 5.62% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Surf Air Mobility and its competitors.
Is Surf Air Mobility's Effective Interest Rate on Debt % too high?
Surf Air Mobility's current Effective Interest Rate on Debt % is 5.62%. Overall, Surf Air Mobility has a GF Score™ of 46/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Surf Air Mobility's Effective Interest Rate on Debt % compare to FLYX and HRBR?
Surf Air Mobility's Effective Interest Rate on Debt % of 5.62% 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 Surf Air Mobility and its competitors. Surf Air Mobility's current Effective Interest Rate on Debt % is 5.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Surf Air Mobility stock overvalued right now?
Based on GuruFocus' analysis, Surf Air Mobility (SRFM) is currently considered Fairly Valued. The stock's GF Value™ is $0.68, compared to a current price of $0.67 — trading 1.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 5.62%. Surf Air Mobility's overall GF Score™ is 46/100 with 8 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 Surf Air Mobility (SRFM), the current Effective Interest Rate on Debt % is 5.62% as of Jun. 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 Surf Air Mobility (SRFM) Overvalued in 2026?

Based on GuruFocus' analysis, Surf Air Mobility stock appears to be undervalued. The current stock price of $0.67 is trading 1.5% below its estimated GF Value™ of $0.68. GuruFocus considers Surf Air Mobility to be Fairly Valued.

Key valuation signals for SRFM:

  • Effective Interest Rate on Debt %: 5.62%
  • GF Value™: $0.68 vs. price of $0.67 (1.5% below fair value)
  • GF Score™: 46/100 with 8 warning signs

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


Surf Air Mobility Business Description

Address 12111 S. Crenshaw Boulevard, Hawthorne, CA, USA, 90250
Surf Air Mobility Inc is a regional air mobility platform operating commuter airlines in the United States and expanding an on-demand charter marketplace for passengers in the U.S. and globally. It is also focused on developing a proprietary aviation software, aircraft electrification powertrain technology and services to enable electrification across the regional air mobility sector. The company operates in a single reportable segment, Air Mobility. The Air Mobility segment derives revenue from operating scheduled commercial air service flights, which are sold to the public mainly on a per-seat basis; through subsidized EAS revenue awards from the Department of Transportation; and by operating on-demand flights for customers on an ad-hoc, by request basis.
46GF 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.

$0.67
Price
$0.68
GF Value