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.
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.
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. MAA Group Bhd's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was RM12.30 Mil. MAA Group Bhd's average total debt for the quarter that ended in Jun. 2026 was RM83.69 Mil. Therefore, MAA Group Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 14.70%.
MAA Group Bhd (XKLS:1198) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
MAA Group Bhd Effective Interest Rate on Debt % Related Terms
MAA Group Bhd Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for MAA 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.
MAA Group Bhd Effective Interest Rate on Debt % Chart
XKLS:1198 vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison
For the Insurance - Diversified subindustry, MAA 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.
MAA Group Bhd Effective Interest Rate on Debt % vs Insurance Industry
For the Insurance industry and Financial Services sector, MAA Group Bhd's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where MAA Group Bhd's Effective Interest Rate on Debt % 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 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 (Jun. 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 14.70% mean?
MAA Group Bhd (XKLS:1198) has a Effective Interest Rate on Debt % of 14.70% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on MAA Group Bhd and its competitors.
Is MAA Group Bhd's Effective Interest Rate on Debt % too high?
MAA Group Bhd's current Effective Interest Rate on Debt % is 14.70%. Overall, MAA Group Bhd has a GF Score™ of 22/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MAA Group Bhd's Effective Interest Rate on Debt % compare to BRK.A and AIG?
MAA Group Bhd's Effective Interest Rate on Debt % of 14.70% can be compared against companies in the Insurance 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 Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 MAA Group Bhd and its competitors. MAA Group Bhd's current Effective Interest Rate on Debt % is 14.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MAA Group Bhd stock overvalued right now?
Based on GuruFocus' analysis, MAA Group Bhd (XKLS:1198) is currently considered Modestly Undervalued. The stock's GF Value™ is RM0.19, compared to a current price of RM0.14 — trading 26.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 14.70%. MAA Group Bhd's overall GF Score™ is 22/100 with 4 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 MAA Group Bhd (XKLS:1198), the current Effective Interest Rate on Debt % is 14.70% as of Jun. 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 MAA Group Bhd (XKLS:1198) Overvalued in 2026?
Based on GuruFocus' analysis, MAA Group Bhd stock appears to be undervalued.
The current stock price of RM0.14 is trading 26.3% below its estimated GF Value™ of RM0.19.
GuruFocus considers MAA Group Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:1198:
Effective Interest Rate on Debt %: 14.70%
GF Value™: RM0.19 vs. price of RM0.14 (26.3% below fair value)
No single metric tells the full story. See the XKLS:1198 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MAA Group Bhd is an investment holding company. The company along with its subsidiaries operates in given segments Investment holdings segment is engaged in investment holdings. General Insurance involves the underwriting of all classes of general insurance business. Education Services segment provides private tuition to students, tertiary education for certificates, diplomas, professional and post-graduate degrees; Credit Services involves provision of money lending, debt factoring and other credit activities and Hospitality Services involves provision of hospitality services, Cinema Services food and beverage, retailer of Cigars, and other services including logistics, renovation, facilities management service. It generates maximum revenue from the General insurance segment.
22GF Score
Get the complete analysis for XKLS:1198
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:1198 has been successfully added to your 
