Eduspec Holdings Bhd (XKLS:0107) Effective Interest Rate on Debt %: 4.99% (As of Feb. 2026)

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XKLS:0107 Eduspec Holdings Bhd XKLS:0107
29 GF Score
Price RM0.11
GF Value RM0.10
Valuation Fairly Valued
! 5 Warning Signs
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What is Eduspec Holdings Bhd Effective Interest Rate on Debt %?

Eduspec Holdings Bhd XKLS:0107 29 Effective Interest Rate on Debt % is 4.99% as of Feb. 2026. GuruFocus rates XKLS:0107 with a GF Score™ of 29/100 and a GF Value™ of RM0.10 (Fairly Valued). The stock has 5 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. Eduspec Holdings Bhd's annualized positive value of Interest Expense for the quarter that ended in Feb. 2026 was RM0.13 Mil. Eduspec Holdings Bhd's average total debt for the quarter that ended in Feb. 2026 was RM2.64 Mil. Therefore, Eduspec Holdings Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 was 4.99%.


Eduspec Holdings Bhd  (XKLS:0107) Effective Interest Rate on Debt % Explanation

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


Eduspec Holdings Bhd Effective Interest Rate on Debt % Related Terms


Eduspec Holdings Bhd Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Eduspec Holdings Bhd'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.

Eduspec Holdings Bhd Effective Interest Rate on Debt % Chart

Eduspec Holdings Bhd Annual Data
Trend Sep15 Sep16 Sep17 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.29 4.54 1.54 2.66 5.35

Eduspec Holdings Bhd Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
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 6.47 7.96 3.69 3.97 4.99

XKLS:0107 vs EDU, TAL, LAUR: Effective Interest Rate on Debt % Comparison

For the Education & Training Services subindustry, Eduspec Holdings Bhd'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.


Eduspec Holdings Bhd Effective Interest Rate on Debt % vs Education Industry

For the Education industry and Consumer Defensive sector, Eduspec Holdings Bhd's Effective Interest Rate on Debt % distribution charts can be found below:

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


XKLS:0107
29GF Score
Eduspec Holdings Bhd XKLS:0107
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Eduspec Holdings Bhd Effective Interest Rate on Debt % Calculation

Eduspec Holdings Bhd's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Feb. 2025 )+Total Debt  (A: Feb. 2026 ))/ count )
=-1  *  -0.147/( (3.273+2.222)/ 2 )
=-1  *  -0.147/2.7475
=5.35 %

where

Total Debt  (A: Feb. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.743 + 2.53
=3.273

Total Debt  (A: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.266 + 1.956
=2.222

Eduspec Holdings Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Nov. 2025 )+Total Debt  (Q: Feb. 2026 ))/ count )
=-1  *  -0.132/( (3.064+2.222)/ 2 )
=-1  *  -0.132/2.643
=4.99 %

where

Total Debt  (Q: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.262 + 2.802
=3.064

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.266 + 1.956
=2.222

* 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 (Feb. 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 4.99% mean?
Eduspec Holdings Bhd (XKLS:0107) has a Effective Interest Rate on Debt % of 4.99% as of Feb. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Eduspec Holdings Bhd and its competitors.
Is Eduspec Holdings Bhd's Effective Interest Rate on Debt % too high?
Eduspec Holdings Bhd's current Effective Interest Rate on Debt % is 4.99%. Overall, Eduspec Holdings Bhd has a GF Score™ of 29/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Eduspec Holdings Bhd's Effective Interest Rate on Debt % compare to EDU and TAL?
Eduspec Holdings Bhd's Effective Interest Rate on Debt % of 4.99% can be compared against companies in the Education 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 Education company?
A good Effective Interest Rate on Debt % depends on the Education 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 Eduspec Holdings Bhd and its competitors. Eduspec Holdings Bhd's current Effective Interest Rate on Debt % is 4.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eduspec Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, Eduspec Holdings Bhd (XKLS:0107) is currently considered Fairly Valued. The stock's GF Value™ is RM0.10, compared to a current price of RM0.11 — trading 5% above its estimated fair value. The current Effective Interest Rate on Debt % is 4.99%. Eduspec Holdings Bhd's overall GF Score™ is 29/100 with 5 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 Eduspec Holdings Bhd (XKLS:0107), the current Effective Interest Rate on Debt % is 4.99% as of Feb. 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 Eduspec Holdings Bhd (XKLS:0107) Overvalued in 2026?

Based on GuruFocus' analysis, Eduspec Holdings Bhd stock appears to be overvalued. The current stock price of RM0.11 is trading 5% above its estimated GF Value™ of RM0.10. GuruFocus considers Eduspec Holdings Bhd to be Fairly Valued.

Key valuation signals for XKLS:0107:

  • Effective Interest Rate on Debt %: 4.99%
  • GF Value™: RM0.10 vs. price of RM0.11 (5% above fair value)
  • GF Score™: 29/100 with 5 warning signs

No single metric tells the full story. See the XKLS:0107 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Eduspec Holdings Bhd Business Description

Address No. 10, Jalan 15/22, Tiong Nam Industrial Park, Section 15, Shah Alam, SGR, MYS, 40200
Eduspec Holdings Bhd is predominantly engaged in the education sector providing STEM programs, and digital schooling solutions, It is also engaged in the B2C education business, and provides professional testing services for Electrical and Electronics (E&E) industry requirements. The company's business segments are; IT Learning, Electrical and Electronics, Investment holding, Property investment.. It derives maximum revenue from the IT Learning segment.
29GF Score

Get the complete analysis for XKLS:0107

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

RM0.11
Price
RM0.10
GF Value