SMRT Holdings Bhd (XKLS:0117) Effective Interest Rate on Debt %: 5.60% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XKLS:0117 SMRT Holdings Bhd XKLS:0117
50 GF Score
Price RM0.20
GF Value RM0.29
Valuation Possible Value Trap
! 2 Warning Signs
View Full Analysis

What is SMRT Holdings Bhd Effective Interest Rate on Debt %?

SMRT Holdings Bhd XKLS:0117 50 Effective Interest Rate on Debt % is 5.60% as of Mar. 2026. GuruFocus rates XKLS:0117 with a GF Score™ of 50/100 and a GF Value™ of RM0.29 (Possible Value Trap). The stock has 2 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. SMRT Holdings Bhd's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was RM0.55 Mil. SMRT Holdings Bhd's average total debt for the quarter that ended in Mar. 2026 was RM9.85 Mil. Therefore, SMRT Holdings Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.60%.


SMRT Holdings Bhd  (XKLS:0117) Effective Interest Rate on Debt % Explanation

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


SMRT Holdings Bhd Effective Interest Rate on Debt % Related Terms


SMRT Holdings Bhd Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for SMRT 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.

SMRT Holdings Bhd Effective Interest Rate on Debt % Chart

SMRT Holdings Bhd Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.80 0.02 8.48 0.69 6.04

SMRT Holdings Bhd Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 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 5.83 5.93 5.87 5.76 5.60

XKLS:0117 vs EDU, TAL, LAUR: Effective Interest Rate on Debt % Comparison

For the Education & Training Services subindustry, SMRT 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.


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

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

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


XKLS:0117
50GF Score
SMRT Holdings Bhd XKLS:0117
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SMRT Holdings Bhd Effective Interest Rate on Debt % Calculation

SMRT Holdings Bhd's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -0.621/( (10.584+9.973)/ 2 )
=-1  *  -0.621/10.2785
=6.04 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9.8 + 0.784
=10.584

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9.106 + 0.867
=9.973

SMRT Holdings Bhd'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  *  -0.552/( (9.957+9.746)/ 2 )
=-1  *  -0.552/9.8515
=5.60 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9.173 + 0.784
=9.957

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.926 + 0.82
=9.746

* 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 5.60% mean?
SMRT Holdings Bhd (XKLS:0117) has a Effective Interest Rate on Debt % of 5.60% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on SMRT Holdings Bhd and its competitors.
Is SMRT Holdings Bhd's Effective Interest Rate on Debt % too high?
SMRT Holdings Bhd's current Effective Interest Rate on Debt % is 5.60%. Overall, SMRT Holdings Bhd has a GF Score™ of 50/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SMRT Holdings Bhd's Effective Interest Rate on Debt % compare to EDU and TAL?
SMRT Holdings Bhd's Effective Interest Rate on Debt % of 5.60% 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 SMRT Holdings Bhd and its competitors. SMRT Holdings Bhd's current Effective Interest Rate on Debt % is 5.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SMRT Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, SMRT Holdings Bhd (XKLS:0117) is currently considered Possible Value Trap. The stock's GF Value™ is RM0.29, compared to a current price of RM0.20 — trading 32.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 5.60%. SMRT Holdings Bhd's overall GF Score™ is 50/100 with 2 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 SMRT Holdings Bhd (XKLS:0117), the current Effective Interest Rate on Debt % is 5.60% 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 SMRT Holdings Bhd (XKLS:0117) Overvalued in 2026?

Based on GuruFocus' analysis, SMRT Holdings Bhd stock appears to be undervalued. The current stock price of RM0.20 is trading 32.8% below its estimated GF Value™ of RM0.29. GuruFocus considers SMRT Holdings Bhd to be Possible Value Trap.

Key valuation signals for XKLS:0117:

  • Effective Interest Rate on Debt %: 5.60%
  • GF Value™: RM0.29 vs. price of RM0.20 (32.8% below fair value)
  • GF Score™: 50/100 with 2 warning signs

No single metric tells the full story. See the XKLS:0117 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SMRT Holdings Bhd Business Description

Address University of Cyberjaya Campus, Level 8, Tower Block, Persiaran Bestari, Cyber 11, Cyberjaya, SGR, MYS, 63000
SMRT Holdings Bhd is a Malaysian company that is principally engaged in investment holding. The operating segments of the company are Investment Holding and Technology. The Technology segment provides software consultancy and development and its related services and hence it generates maximum revenue for the company. The company operates solely in Malaysia.
50GF Score

Get the complete analysis for XKLS:0117

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

RM0.20
Price
RM0.29
GF Value