VAC (Marriott Vacations Worldwide) Effective Interest Rate on Debt %: 3.13% (As of Mar. 2026)


VAC Marriott Vacations Worldwide Corp VAC
84 GF Score
Price $97.87
GF Value $102.55
Valuation Fairly Valued
! 7 Warning Signs
View Full Analysis

What is Marriott Vacations Worldwide Effective Interest Rate on Debt %?

Marriott Vacations Worldwide VAC -2.37% 84 Effective Interest Rate on Debt % is 3.13% as of Mar. 2026. GuruFocus rates VAC with a GF Score™ of 84/100 and a GF Value™ of $102.55 (Fairly Valued). The stock has 7 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. Marriott Vacations Worldwide's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $176 Mil. Marriott Vacations Worldwide's average total debt for the quarter that ended in Mar. 2026 was $5,625 Mil. Therefore, Marriott Vacations Worldwide's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.13%.


Marriott Vacations Worldwide  (NYSE:VAC) Effective Interest Rate on Debt % Explanation

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


Marriott Vacations Worldwide Effective Interest Rate on Debt % Related Terms


Marriott Vacations Worldwide Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Marriott Vacations Worldwide'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.

Marriott Vacations Worldwide Effective Interest Rate on Debt % Chart

Marriott Vacations Worldwide 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 3.75 2.48 2.85 3.12 3.10

Marriott Vacations Worldwide 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 3.04 3.15 3.12 3.11 3.13

VAC vs RRR, PENN, HGV: Effective Interest Rate on Debt % Comparison

For the Resorts & Casinos subindustry, Marriott Vacations Worldwide'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.


Marriott Vacations Worldwide Effective Interest Rate on Debt % vs Travel & Leisure Industry

For the Travel & Leisure industry and Consumer Cyclical sector, Marriott Vacations Worldwide's Effective Interest Rate on Debt % distribution charts can be found below:

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


VAC
84GF Score
Marriott Vacations Worldwide Corp VAC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Marriott Vacations Worldwide Effective Interest Rate on Debt % Calculation

Marriott Vacations Worldwide'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  *  -169/( (5225+5680)/ 2 )
=-1  *  -169/5452.5
=3.10 %

where

Marriott Vacations Worldwide'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  *  -176/( (5680+5569)/ 2 )
=-1  *  -176/5624.5
=3.13 %

where

* 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 3.13% mean?
Marriott Vacations Worldwide (VAC) has a Effective Interest Rate on Debt % of 3.13% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Marriott Vacations Worldwide and its competitors.
Is Marriott Vacations Worldwide's Effective Interest Rate on Debt % too high?
Marriott Vacations Worldwide's current Effective Interest Rate on Debt % is 3.13%. Overall, Marriott Vacations Worldwide has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Marriott Vacations Worldwide's Effective Interest Rate on Debt % compare to RRR and PENN?
Marriott Vacations Worldwide's Effective Interest Rate on Debt % of 3.13% can be compared against companies in the Travel & Leisure 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 Travel & Leisure company?
A good Effective Interest Rate on Debt % depends on the Travel & Leisure 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 Marriott Vacations Worldwide and its competitors. Marriott Vacations Worldwide's current Effective Interest Rate on Debt % is 3.13%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marriott Vacations Worldwide stock overvalued right now?
Based on GuruFocus' analysis, Marriott Vacations Worldwide (VAC) is currently considered Fairly Valued. The stock's GF Value™ is $102.55, compared to a current price of $97.87 — trading 4.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.13%. Marriott Vacations Worldwide's overall GF Score™ is 84/100 with 7 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 Marriott Vacations Worldwide (VAC), the current Effective Interest Rate on Debt % is 3.13% 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 Marriott Vacations Worldwide (VAC) Overvalued in 2026?

Based on GuruFocus' analysis, Marriott Vacations Worldwide stock appears to be undervalued. The current stock price of $97.87 is trading 4.6% below its estimated GF Value™ of $102.55. GuruFocus considers Marriott Vacations Worldwide to be Fairly Valued.

Key valuation signals for VAC:

  • Effective Interest Rate on Debt %: 3.13%
  • GF Value™: $102.55 vs. price of $97.87 (4.6% below fair value)
  • GF Score™: 84/100 with 7 warning signs

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


Marriott Vacations Worldwide Business Description

Other Exchanges M8V:Germany
Address 7812 Palm Parkway, Orlando, FL, USA, 32836
Marriott Vacations Worldwide Corp functions in the United States leisure industry. It owns and manages a cluster of resorts and accommodation facilities under trademarks like Marriott Vacation Club, Grand Residencies, and The Ritz-Carlton Destination Club predominantly in the United States. Some of its properties are also spread across Europe and Asia Pacific. Marriott's majority revenue components include the sale of vacation ownership products such as luxurious vacation packages. In addition, it offers purchase money financing to the end users of its core services. The company operates in two reportable segments: Vacation Ownership and Exchange & Third-Party Management. The majority of revenue is derived from the Vacation Ownership segment.
84GF Score

Get the complete analysis for VAC

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

$97.87
Price
$102.55
GF Value