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. CVS Health's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was CHF2,437 Mil. CVS Health's average total debt for the quarter that ended in Mar. 2026 was CHF62,697 Mil. Therefore, CVS Health's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.89%.
CVS Health (XSWX:CVS) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
CVS Health Effective Interest Rate on Debt % Related Terms
CVS Health Effective Interest Rate on Debt % Historical Data
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The historical data trend for CVS Health'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.
CVS Health Effective Interest Rate on Debt % Chart
XSWX:CVS vs ELV, CI, HUM: Effective Interest Rate on Debt % Comparison
For the Healthcare Plans subindustry, CVS Health'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.
CVS Health Effective Interest Rate on Debt % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, CVS Health's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where CVS Health's Effective Interest Rate on Debt % falls into.
* 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 3.89% mean?
CVS Health (XSWX:CVS) has a Effective Interest Rate on Debt % of 3.89% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CVS Health and its competitors.
Is CVS Health's Effective Interest Rate on Debt % too high?
CVS Health's current Effective Interest Rate on Debt % is 3.89%. Overall, CVS Health has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does CVS Health's Effective Interest Rate on Debt % compare to ELV and CI?
CVS Health's Effective Interest Rate on Debt % of 3.89% can be compared against companies in the Healthcare Plans 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 Healthcare Plans company?
A good Effective Interest Rate on Debt % depends on the Healthcare Plans 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 CVS Health and its competitors. CVS Health's current Effective Interest Rate on Debt % is 3.89%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CVS Health stock overvalued right now?
CVS Health (XSWX:CVS) has a current Effective Interest Rate on Debt % of 3.89%. The stock's GF Value™ is CHF63.19, compared to a current price of CHF83.03 — trading 31.4% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.89%. CVS Health's overall GF Score™ is 77/100 with 10 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 CVS Health (XSWX:CVS), the current Effective Interest Rate on Debt % is 3.89% 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 CVS Health (XSWX:CVS) Overvalued in 2026?
Based on GuruFocus' analysis, CVS Health stock appears to be overvalued.
The current stock price of CHF83.03 is trading 31.4% above its estimated GF Value™ of CHF63.19.
Key valuation signals for XSWX:CVS:
Effective Interest Rate on Debt %: 3.89%
GF Value™: CHF63.19 vs. price of CHF83.03 (31.4% above fair value)
No single metric tells the full story. See the XSWX:CVS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CVS Health offers a diverse set of healthcare services. Its roots are in its retail pharmacy operations, where it operates around 9,000 stores primarily in the US. CVS is also a large pharmacy benefit manager (acquired through Caremark), processing about 2 billion adjusted claims annually. It operates a top-tier health insurer (acquired through Aetna) through which it serves about 27 million medical members. The acquisition of Oak Street Health added primary care services to the mix, which could have significant synergies with all existing business lines.
77GF Score
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