United Airlines Holdings (XSWX:UAL) Effective Interest Rate on Debt %: 3.50% (As of Mar. 2026)


XSWX:UAL United Airlines Holdings Inc XSWX:UAL
79 GF Score
Price CHF110.32
GF Value CHF63.71
! 8 Warning Signs
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What is United Airlines Holdings Effective Interest Rate on Debt %?

United Airlines Holdings XSWX:UAL +0.24% 79 Effective Interest Rate on Debt % is 3.50% as of Mar. 2026. GuruFocus rates XSWX:UAL with a GF Score™ of 79/100 and a GF Value™ of CHF63.71. 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. United Airlines Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was CHF860 Mil. United Airlines Holdings's average total debt for the quarter that ended in Mar. 2026 was CHF24,558 Mil. Therefore, United Airlines Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.50%.


United Airlines Holdings  (XSWX:UAL) Effective Interest Rate on Debt % Explanation

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


United Airlines Holdings Effective Interest Rate on Debt % Related Terms


United Airlines Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for United Airlines Holdings'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.

United Airlines Holdings Effective Interest Rate on Debt % Chart

United Airlines Holdings 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 4.44 4.44 4.67 4.05 3.40

United Airlines Holdings 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 3.69 3.62 3.43 3.48 3.50

XSWX:UAL vs DAL, LUV, AAL: Effective Interest Rate on Debt % Comparison

For the Airlines subindustry, United Airlines Holdings'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.


United Airlines Holdings Effective Interest Rate on Debt % vs Transportation Industry

For the Transportation industry and Industrials sector, United Airlines Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where United Airlines Holdings's Effective Interest Rate on Debt % falls into.


XSWX:UAL
79GF Score
United Airlines Holdings Inc XSWX:UAL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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United Airlines Holdings Effective Interest Rate on Debt % Calculation

United Airlines Holdings'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  *  -929.982/( (29987.183+24732.588)/ 2 )
=-1  *  -929.982/27359.8855
=3.40 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=26492.111 + 3495.072
=29987.183

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=20702.665 + 4029.923
=24732.588

United Airlines Holdings'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  *  -859.732/( (24732.588+24383.468)/ 2 )
=-1  *  -859.732/24558.028
=3.50 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=20702.665 + 4029.923
=24732.588

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=22020.781 + 2362.687
=24383.468

* 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 3.50% mean?
United Airlines Holdings (XSWX:UAL) has a Effective Interest Rate on Debt % of 3.50% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on United Airlines Holdings and its competitors.
Is United Airlines Holdings' Effective Interest Rate on Debt % too high?
United Airlines Holdings' current Effective Interest Rate on Debt % is 3.50%. Overall, United Airlines Holdings has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does United Airlines Holdings' Effective Interest Rate on Debt % compare to DAL and LUV?
United Airlines Holdings' Effective Interest Rate on Debt % of 3.50% 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 United Airlines Holdings and its competitors. United Airlines Holdings's current Effective Interest Rate on Debt % is 3.50%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Airlines Holdings stock overvalued right now?
United Airlines Holdings (XSWX:UAL) has a current Effective Interest Rate on Debt % of 3.50%. The stock's GF Value™ is CHF63.71, compared to a current price of CHF110.32 — trading 73.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.50%. United Airlines Holdings' overall GF Score™ is 79/100 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 United Airlines Holdings (XSWX:UAL), the current Effective Interest Rate on Debt % is 3.50% 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 United Airlines Holdings (XSWX:UAL) Overvalued in 2026?

Based on GuruFocus' analysis, United Airlines Holdings stock appears to be overvalued. The current stock price of CHF110.32 is trading 73.2% above its estimated GF Value™ of CHF63.71.

Key valuation signals for XSWX:UAL:

  • Effective Interest Rate on Debt %: 3.50%
  • GF Value™: CHF63.71 vs. price of CHF110.32 (73.2% above fair value)
  • GF Score™: 79/100 with 8 warning signs

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


United Airlines Holdings Business Description

Address 233 South Wacker Drive, Chicago, IL, USA, 60606
Chicago-based United Airlines is a major US network carrier with hubs in San Francisco, Chicago, Houston, Denver, Los Angeles, Newark, and Washington, D.C. United operates a hub-and-spoke system that is more focused on international and long-haul travel, especially across the Pacific, than its large US peers.
79GF 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.

CHF110.32
Price
CHF63.71
GF Value