SSF Home Group Bhd (XKLS:0287) Effective Interest Rate on Debt %: 4.03% (As of Apr. 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:0287 SSF Home Group Bhd XKLS:0287
30 GF Score
Price RM0.37
GF Value RM0.44
Valuation Modestly Undervalued
! 6 Warning Signs
View Full Analysis

What is SSF Home Group Bhd Effective Interest Rate on Debt %?

SSF Home Group Bhd XKLS:0287 -3.95% 30 Effective Interest Rate on Debt % is 4.03% as of Apr. 2026. GuruFocus rates XKLS:0287 with a GF Score™ of 30/100 and a GF Value™ of RM0.44 (Modestly Undervalued). The stock has 6 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. SSF Home Group Bhd's annualized positive value of Interest Expense for the quarter that ended in Apr. 2026 was RM4.0 Mil. SSF Home Group Bhd's average total debt for the quarter that ended in Apr. 2026 was RM99.6 Mil. Therefore, SSF Home Group Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 was 4.03%.


SSF Home Group Bhd  (XKLS:0287) Effective Interest Rate on Debt % Explanation

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


SSF Home Group Bhd Effective Interest Rate on Debt % Related Terms


SSF Home Group Bhd Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for SSF Home Group 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.

SSF Home Group Bhd Effective Interest Rate on Debt % Chart

SSF Home Group Bhd Annual Data
Trend Apr20 Apr21 Apr22 Apr23 Apr24 Apr25 Apr26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 4.21 4.59 2.97 2.50 4.50

SSF Home Group Bhd Quarterly Data
Apr20 Apr21 Apr22 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 2.98 3.93 4.66 4.10 4.03

XKLS:0287 vs CASY, WSM, ULTA: Effective Interest Rate on Debt % Comparison

For the Specialty Retail subindustry, SSF Home Group 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.


SSF Home Group Bhd Effective Interest Rate on Debt % vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, SSF Home Group Bhd's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where SSF Home Group Bhd's Effective Interest Rate on Debt % falls into.


XKLS:0287
30GF Score
SSF Home Group Bhd XKLS:0287
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SSF Home Group Bhd Effective Interest Rate on Debt % Calculation

SSF Home Group Bhd's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Apr. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Apr. 2025 )+Total Debt  (A: Apr. 2026 ))/ count )
=-1  *  -4.077/( (86.788+94.378)/ 2 )
=-1  *  -4.077/90.583
=4.50 %

where

Total Debt  (A: Apr. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=78.434 + 8.354
=86.788

Total Debt  (A: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=78.004 + 16.374
=94.378

SSF Home Group Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jan. 2026 )+Total Debt  (Q: Apr. 2026 ))/ count )
=-1  *  -4.012/( (104.841+94.378)/ 2 )
=-1  *  -4.012/99.6095
=4.03 %

where

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=81.476 + 23.365
=104.841

Total Debt  (Q: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=78.004 + 16.374
=94.378

* 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 (Apr. 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 4.03% mean?
SSF Home Group Bhd (XKLS:0287) has a Effective Interest Rate on Debt % of 4.03% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on SSF Home Group Bhd and its competitors.
Is SSF Home Group Bhd's Effective Interest Rate on Debt % too high?
SSF Home Group Bhd's current Effective Interest Rate on Debt % is 4.03%. Overall, SSF Home Group Bhd has a GF Score™ of 30/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SSF Home Group Bhd's Effective Interest Rate on Debt % compare to CASY and WSM?
SSF Home Group Bhd's Effective Interest Rate on Debt % of 4.03% can be compared against companies in the Retail - Cyclical 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 Retail - Cyclical company?
A good Effective Interest Rate on Debt % depends on the Retail - Cyclical 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 SSF Home Group Bhd and its competitors. SSF Home Group Bhd's current Effective Interest Rate on Debt % is 4.03%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SSF Home Group Bhd stock overvalued right now?
Based on GuruFocus' analysis, SSF Home Group Bhd (XKLS:0287) is currently considered Modestly Undervalued. The stock's GF Value™ is RM0.44, compared to a current price of RM0.37 — trading 17% below its estimated fair value. The current Effective Interest Rate on Debt % is 4.03%. SSF Home Group Bhd's overall GF Score™ is 30/100 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 SSF Home Group Bhd (XKLS:0287), the current Effective Interest Rate on Debt % is 4.03% as of Apr. 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 SSF Home Group Bhd (XKLS:0287) Overvalued in 2026?

Based on GuruFocus' analysis, SSF Home Group Bhd stock appears to be undervalued. The current stock price of RM0.37 is trading 17% below its estimated GF Value™ of RM0.44. GuruFocus considers SSF Home Group Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:0287:

  • Effective Interest Rate on Debt %: 4.03%
  • GF Value™: RM0.44 vs. price of RM0.37 (17% below fair value)
  • GF Score™: 30/100 with 6 warning signs

No single metric tells the full story. See the XKLS:0287 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SSF Home Group Bhd Business Description

Address No. 6, Jalan Jurutera U1/23, Hicom-Glenmarie Industrial Park, Shah Alam, SGR, MYS, 40150
SSF Home Group Bhd is an investment holding company. Through its subsidiaries, it is principally involved in the retail of furniture, home decor, and home living products via its retail channel (retail outlets) and online channel (e-commerce website). The Group's revenue is principally generated from the retail of home furnishing products.
30GF Score

Get the complete analysis for XKLS:0287

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

RM0.37
Price
RM0.44
GF Value