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. Phillips 66's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was CHF938 Mil. Phillips 66's average total debt for the quarter that ended in Mar. 2026 was CHF18,533 Mil. Therefore, Phillips 66's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.06%.
Phillips 66 (XSWX:PSX) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Phillips 66 Effective Interest Rate on Debt % Related Terms
Phillips 66 Effective Interest Rate on Debt % Historical Data
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The historical data trend for Phillips 66'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.
Phillips 66 Effective Interest Rate on Debt % Chart
XSWX:PSX vs MPC, VLO, DINO: Effective Interest Rate on Debt % Comparison
For the Oil & Gas Refining & Marketing subindustry, Phillips 66'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.
Phillips 66 Effective Interest Rate on Debt % vs Oil & Gas Industry
For the Oil & Gas industry and Energy sector, Phillips 66's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Phillips 66'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 5.06% mean?
Phillips 66 (XSWX:PSX) has a Effective Interest Rate on Debt % of 5.06% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Phillips 66 and its competitors.
Is Phillips 66's Effective Interest Rate on Debt % too high?
Phillips 66's current Effective Interest Rate on Debt % is 5.06%. Overall, Phillips 66 has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Phillips 66's Effective Interest Rate on Debt % compare to MPC and VLO?
Phillips 66's Effective Interest Rate on Debt % of 5.06% can be compared against companies in the Oil & Gas 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 an Oil & Gas company?
A good Effective Interest Rate on Debt % depends on the Oil & Gas 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 Phillips 66 and its competitors. Phillips 66's current Effective Interest Rate on Debt % is 5.06%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phillips 66 stock overvalued right now?
Phillips 66 (XSWX:PSX) has a current Effective Interest Rate on Debt % of 5.06%. The stock's GF Value™ is CHF109.85, compared to a current price of CHF138.77 — trading 26.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.06%. Phillips 66's overall GF Score™ is 68/100 with 6 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 Phillips 66 (XSWX:PSX), the current Effective Interest Rate on Debt % is 5.06% 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 Phillips 66 (XSWX:PSX) Overvalued in 2026?
Based on GuruFocus' analysis, Phillips 66 stock appears to be overvalued.
The current stock price of CHF138.77 is trading 26.3% above its estimated GF Value™ of CHF109.85.
Key valuation signals for XSWX:PSX:
Effective Interest Rate on Debt %: 5.06%
GF Value™: CHF109.85 vs. price of CHF138.77 (26.3% above fair value)
No single metric tells the full story. See the XSWX:PSX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phillips 66 is an independent refiner that owns or holds interest in 10 refineries with a total crude throughput capacity of 2.0 million barrels per day, or mmb/d, at the end of 2025. The midstream segment comprises extensive transportation and NGL processing assets. It includes 70,000 miles of crude oil, refined petroleum product, NGL and natural gas pipeline systems, and a comprehensive set of refined petroleum product, NGL and crude oil terminals, gathering and processing plants and fractionation facilities and various other storage and loading facilities. Its CPChem chemical joint venture operates facilities primarily in the United States and the Middle East and produces olefins and polyolefins.
68GF Score
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