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Censof Holdings BhdXKLS:5195 48 Debt-to-EBITDA is 0.10 as of Mar. 2026, which is 47% below its 10-year median of 0.19. GuruFocus rates XKLS:5195 with a GF Score™ of 48/100 and a GF Value™ of RM0.24 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,722 Software companies, Censof Holdings Bhd ranks better than 80.2% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Censof Holdings Bhd's Debt-to-EBITDA or its related term are showing as below:
XKLS:5195'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.45 Med: 0.19 Max: 8.7
Current: 0.18
During the past 13 years, the highest Debt-to-EBITDA Ratio of Censof Holdings Bhd was 8.70. The lowest was -0.45. And the median was 0.19.
XKLS:5195's Debt-to-EBITDA is ranked better than 80.2% of 1722
companies
in the Software industry
Industry Median: 1.04
vs XKLS:5195: 0.18
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Censof Holdings Bhd Debt-to-EBITDA Related Terms
Censof Holdings Bhd Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Censof Holdings Bhd's Debt-to-EBITDA 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.
XKLS:5195 vs QH, SHOP, UBER: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Censof Holdings Bhd's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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.
Censof Holdings Bhd Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Censof Holdings Bhd's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Censof Holdings Bhd's Debt-to-EBITDA 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 Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Censof Holdings Bhd (XKLS:5195) has a Debt-to-EBITDA of 0.10 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Censof Holdings Bhd. This is 47% below median its historical median of 0.19. According to the industry distribution chart, Censof Holdings Bhd ranks #341 out of 1722 companies in the Software industry, placing it in the top 19.8%.
Is Censof Holdings Bhd's Debt-to-EBITDA too high?
Censof Holdings Bhd's current Debt-to-EBITDA of 0.10 is 47% below median its 10-year median of 0.19. The Software industry median Debt-to-EBITDA is 1.04. Censof Holdings Bhd's value of 0.10 is 90.4% below this industry median. Based on the distribution chart, Censof Holdings Bhd ranks #341 out of 1722 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Censof Holdings Bhd has a GF Score™ of 48/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Censof Holdings Bhd's Debt-to-EBITDA compare to QH and SHOP?
According to the Software industry distribution chart, Censof Holdings Bhd ranks #341 out of 1722 companies for Debt-to-EBITDA. This places Censof Holdings Bhd in the top 20% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.04. Censof Holdings Bhd's value of 0.10 is 90.4% below this benchmark. While the company's 10-year median is 0.19 vs. the industry median of 1.04, Censof Holdings Bhd has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.04, based on 1,722 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Censof Holdings Bhd's current Debt-to-EBITDA of 0.10 is 90.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Censof Holdings Bhd. For the Software industry, the median Debt-to-EBITDA is 1.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Censof Holdings Bhd's current Debt-to-EBITDA is 0.10, which is 47% below median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Censof Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, Censof Holdings Bhd (XKLS:5195) is currently considered Modestly Undervalued. The stock's GF Value™ is RM0.24, compared to a current price of RM0.19 — trading 20.8% below its estimated fair value. The current Debt-to-EBITDA is 0.10, which is 47% below median its 10-year median of 0.19 and 90.4% below the Software industry median of 1.04. Censof Holdings Bhd's overall GF Score™ is 48/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Censof Holdings Bhd (XKLS:5195), the current Debt-to-EBITDA is 0.10 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 Censof Holdings Bhd (XKLS:5195) Overvalued in 2026?
Based on GuruFocus' analysis, Censof Holdings Bhd stock appears to be undervalued.
The current stock price of RM0.19 is trading 20.8% below its estimated GF Value™ of RM0.24.
GuruFocus considers Censof Holdings Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5195:
Debt-to-EBITDA: 0.10 (47% below median its 10-year median of 0.19)
GF Value™: RM0.24 vs. price of RM0.19 (20.8% below fair value)
Industry Position: 90.4% below the Software median (#341 of 1722)
No single metric tells the full story. See the XKLS:5195 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Censof Holdings Bhd is engaged in the business of investment holding and the provision of management services. Its operating segments are the Financial Management Solutions segment for Government, the Financial Management Solutions segment for Commercial, the Digital Technology segment, the Corporate Services segment, and the Wealth Management Solutions segment. It derives principal revenue from the Financial Management Solutions segment for Government segment, which involves the design, development, implementation, and marketing of financial management software and related services to government agencies and statutory bodies at the federal, state, and local levels. Geographically, the company operates in Indonesia, Singapore, and Malaysia, of which key revenue is derived from Malaysia.
48GF Score
Get the complete analysis for XKLS:5195
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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