Symphony Life Bhd (XKLS:1538) Effective Interest Rate on Debt %: 5.77% (As of Sep. 2025)

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XKLS:1538 Symphony Life Bhd XKLS:1538
28 GF Score
Price RM0.20
GF Value RM0.09
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Symphony Life Bhd Effective Interest Rate on Debt %?

Symphony Life Bhd XKLS:1538 +2.63% 28 Effective Interest Rate on Debt % is 5.77% as of Sep. 2025. GuruFocus rates XKLS:1538 with a GF Score™ of 28/100 and a GF Value™ of RM0.09 (Significantly Overvalued). 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. Symphony Life Bhd's annualized positive value of Interest Expense for the quarter that ended in Sep. 2025 was RM7.88 Mil. Symphony Life Bhd's average total debt for the quarter that ended in Sep. 2025 was RM136.54 Mil. Therefore, Symphony Life Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 was 5.77%.


Symphony Life Bhd  (XKLS:1538) Effective Interest Rate on Debt % Explanation

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


Symphony Life Bhd Effective Interest Rate on Debt % Related Terms


Symphony Life Bhd Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Symphony Life 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.

Symphony Life Bhd Effective Interest Rate on Debt % Chart

Symphony Life Bhd Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.10 4.16 4.31 5.79 5.33

Symphony Life Bhd Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
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 5.69 5.50 5.70 5.71 5.77

Symphony Life Bhd Effective Interest Rate on Debt % Competitor Comparison

For the Real Estate - Development subindustry, Symphony Life 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.


Symphony Life Bhd Effective Interest Rate on Debt % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Symphony Life Bhd's Effective Interest Rate on Debt % distribution charts can be found below:

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


XKLS:1538
28GF Score
Symphony Life Bhd XKLS:1538
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Symphony Life Bhd Effective Interest Rate on Debt % Calculation

Symphony Life Bhd's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2024 )+Total Debt  (A: Mar. 2025 ))/ count )
=-1  *  -8.438/( (170.392+146.336)/ 2 )
=-1  *  -8.438/158.364
=5.33 %

where

Total Debt  (A: Mar. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=118.846 + 51.546
=170.392

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=103.227 + 43.109
=146.336

Symphony Life Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Sep. 2025 ))/ count )
=-1  *  -7.876/( (137.446+135.64)/ 2 )
=-1  *  -7.876/136.543
=5.77 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=92.639 + 44.807
=137.446

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=94.97 + 40.67
=135.64

* 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 (Sep. 2025) 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 5.77% mean?
Symphony Life Bhd (XKLS:1538) has a Effective Interest Rate on Debt % of 5.77% as of Sep. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Symphony Life Bhd and its competitors.
Is Symphony Life Bhd's Effective Interest Rate on Debt % too high?
Symphony Life Bhd's current Effective Interest Rate on Debt % is 5.77%. Overall, Symphony Life Bhd has a GF Score™ of 28/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Symphony Life Bhd's Effective Interest Rate on Debt % compare to competitors?
Symphony Life Bhd's Effective Interest Rate on Debt % of 5.77% can be compared against companies in the Real Estate 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 Real Estate company?
A good Effective Interest Rate on Debt % depends on the Real Estate 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 Symphony Life Bhd and its competitors. Symphony Life Bhd's current Effective Interest Rate on Debt % is 5.77%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Symphony Life Bhd stock overvalued right now?
Based on GuruFocus' analysis, Symphony Life Bhd (XKLS:1538) is currently considered Significantly Overvalued. The stock's GF Value™ is RM0.09, compared to a current price of RM0.20 — trading 116.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 5.77%. Symphony Life Bhd's overall GF Score™ is 28/100 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 Symphony Life Bhd (XKLS:1538), the current Effective Interest Rate on Debt % is 5.77% as of Sep. 2025. 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 Symphony Life Bhd (XKLS:1538) Overvalued in 2026?

Based on GuruFocus' analysis, Symphony Life Bhd stock appears to be overvalued. The current stock price of RM0.20 is trading 116.7% above its estimated GF Value™ of RM0.09. GuruFocus considers Symphony Life Bhd to be Significantly Overvalued.

Key valuation signals for XKLS:1538:

  • Effective Interest Rate on Debt %: 5.77%
  • GF Value™: RM0.09 vs. price of RM0.20 (116.7% above fair value)
  • GF Score™: 28/100 with 5 warning signs

No single metric tells the full story. See the XKLS:1538 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Symphony Life Bhd Business Description

Address No. 8, Persiaran Tropicana, Lot 18.2, 18th Floor, Menara Lien Hoe, Tropicana Golf & Country Resort, Petaling Jaya, SGR, MYS, 47410
Symphony Life Bhd is a property developer in Malaysia. The company's core business activities are categorized into four key segments, the Property development segment comprises property development, property management, and maintenance and property marketing consultancy; the Property investment segment is involved in the property investment and property management and maintenance; the Construction segment comprises incorporating construction works, and Other operations comprise other investments and investment holdings. The company predominantly carries out its operations in Malaysia.
28GF Score

Get the complete analysis for XKLS:1538

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

RM0.20
Price
RM0.09
GF Value