MTY Food Group (TSX:MTY) Effective Interest Rate on Debt %: 3.49% (As of Feb. 2026)


TSX:MTY MTY Food Group Inc TSX:MTY
77 GF Score
Price C$33.75
GF Value C$47.93
Valuation Possible Value Trap
! 5 Warning Signs
View Full Analysis

What is MTY Food Group Effective Interest Rate on Debt %?

MTY Food Group TSX:MTY -10.57% 77 Effective Interest Rate on Debt % is 3.49% as of Feb. 2026. GuruFocus rates TSX:MTY with a GF Score™ of 77/100 and a GF Value™ of C$47.93 (Possible Value Trap). The stock has 5 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. MTY Food Group's annualized positive value of Interest Expense for the quarter that ended in Feb. 2026 was C$39 Mil. MTY Food Group's average total debt for the quarter that ended in Feb. 2026 was C$1,110 Mil. Therefore, MTY Food Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 was 3.49%.


MTY Food Group  (TSX:MTY) Effective Interest Rate on Debt % Explanation

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


MTY Food Group Effective Interest Rate on Debt % Related Terms


MTY Food Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for MTY Food Group'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.

MTY Food Group Effective Interest Rate on Debt % Chart

MTY Food Group Annual Data
Trend Nov16 Nov17 Nov18 Nov19 Nov20 Nov21 Nov22 Nov23 Nov24 Nov25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.34 1.64 5.34 4.57 3.90

MTY Food Group 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 3.92 3.91 3.97 3.85 3.49

TSX:MTY vs MCD, SBUX, YUM: Effective Interest Rate on Debt % Comparison

For the Restaurants subindustry, MTY Food Group'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.


MTY Food Group Effective Interest Rate on Debt % vs Restaurants Industry

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

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


TSX:MTY
77GF Score
MTY Food Group Inc TSX:MTY
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

MTY Food Group Effective Interest Rate on Debt % Calculation

MTY Food Group's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Nov. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Nov. 2024 )+Total Debt  (A: Nov. 2025 ))/ count )
=-1  *  -45.894/( (1221.743+1131.009)/ 2 )
=-1  *  -45.894/1176.376
=3.90 %

where

Total Debt  (A: Nov. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1108.369 + 113.374
=1221.743

Total Debt  (A: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1024.537 + 106.472
=1131.009

MTY Food Group'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  *  -38.808/( (1131.009+1089.878)/ 2 )
=-1  *  -38.808/1110.4435
=3.49 %

where

Total Debt  (Q: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1024.537 + 106.472
=1131.009

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=985.132 + 104.746
=1089.878

* 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 3.49% mean?
MTY Food Group (TSX:MTY) has a Effective Interest Rate on Debt % of 3.49% as of Feb. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on MTY Food Group and its competitors.
Is MTY Food Group's Effective Interest Rate on Debt % too high?
MTY Food Group's current Effective Interest Rate on Debt % is 3.49%. Overall, MTY Food Group has a GF Score™ of 77/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does MTY Food Group's Effective Interest Rate on Debt % compare to MCD and SBUX?
MTY Food Group's Effective Interest Rate on Debt % of 3.49% 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 MTY Food Group and its competitors. MTY Food Group's current Effective Interest Rate on Debt % is 3.49%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MTY Food Group stock overvalued right now?
Based on GuruFocus' analysis, MTY Food Group (TSX:MTY) is currently considered Possible Value Trap. The stock's GF Value™ is C$47.93, compared to a current price of C$33.75 — trading 29.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.49%. MTY Food Group's overall GF Score™ is 77/100 with 5 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 MTY Food Group (TSX:MTY), the current Effective Interest Rate on Debt % is 3.49% 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 MTY Food Group (TSX:MTY) Overvalued in 2026?

Based on GuruFocus' analysis, MTY Food Group stock appears to be undervalued. The current stock price of C$33.75 is trading 29.6% below its estimated GF Value™ of C$47.93. GuruFocus considers MTY Food Group to be Possible Value Trap.

Key valuation signals for TSX:MTY:

  • Effective Interest Rate on Debt %: 3.49%
  • GF Value™: C$47.93 vs. price of C$33.75 (29.6% below fair value)
  • GF Score™: 77/100 with 5 warning signs

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


MTY Food Group Business Description

Other Exchanges MTYFF:USA9MF:Germany
Address 8150 autoroute Transcanadienne, Suite 200, Saint-Laurent, QC, CAN, H4S 1M5
MTY Food Group Inc is a franchisor in the quick service and casual dining food industry. Its activities consist of franchising and operating corporate-owned locations as well as the sale of retail products under a multitude of banners. The company's operating segment is based on geographical regions namely Canada; and US & International, which earns maximum revenue. The company brands include Cafe Depot, Country Style, Croissant Plus, Cultures, Extremepita, Fabrika, Jus Jugo Juice, Koya Japan, ManchuWok, Muffin plus, Valentine, Van Houtte, Shushiman and others.
77GF Score

Get the complete analysis for TSX:MTY

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

C$33.75
Price
C$47.93
GF Value