Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) Effective Interest Rate on Debt %: 3.75% (As of Mar. 2026)

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XKLS:6139 Syarikat Takaful Malaysia Keluarga Bhd XKLS:6139
74 GF Score
Price RM3.25
GF Value RM5.10
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Syarikat Takaful Malaysia Keluarga Bhd Effective Interest Rate on Debt %?

Syarikat Takaful Malaysia Keluarga Bhd XKLS:6139 +3.50% 74 Effective Interest Rate on Debt % is 3.75% as of Mar. 2026. GuruFocus rates XKLS:6139 with a GF Score™ of 74/100 and a GF Value™ of RM5.10 (Significantly Undervalued). 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. Syarikat Takaful Malaysia Keluarga Bhd's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was RM19 Mil. Syarikat Takaful Malaysia Keluarga Bhd's average total debt for the quarter that ended in Mar. 2026 was RM503 Mil. Therefore, Syarikat Takaful Malaysia Keluarga Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.75%.


Syarikat Takaful Malaysia Keluarga Bhd  (XKLS:6139) Effective Interest Rate on Debt % Explanation

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


Syarikat Takaful Malaysia Keluarga Bhd Effective Interest Rate on Debt % Related Terms


Syarikat Takaful Malaysia Keluarga Bhd Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Syarikat Takaful Malaysia Keluarga 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.

Syarikat Takaful Malaysia Keluarga Bhd Effective Interest Rate on Debt % Chart

Syarikat Takaful Malaysia Keluarga Bhd Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,115.54 0.00 0.00 1,595.05 1.95

Syarikat Takaful Malaysia Keluarga Bhd Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 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 1,477.24 1,463.73 0.17 3.83 3.75

XKLS:6139 vs FNF, AXS, FAF: Effective Interest Rate on Debt % Comparison

For the Insurance - Specialty subindustry, Syarikat Takaful Malaysia Keluarga 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.


Syarikat Takaful Malaysia Keluarga Bhd Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Syarikat Takaful Malaysia Keluarga Bhd's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Syarikat Takaful Malaysia Keluarga Bhd's Effective Interest Rate on Debt % falls into.


XKLS:6139
74GF Score
Syarikat Takaful Malaysia Keluarga Bhd XKLS:6139
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Syarikat Takaful Malaysia Keluarga Bhd Effective Interest Rate on Debt % Calculation

Syarikat Takaful Malaysia Keluarga Bhd's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -4.932/( (1.153+505.868)/ 2 )
=-1  *  -4.932/253.5105
=1.95 %

where

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=504.932 + 0.936
=505.868

Syarikat Takaful Malaysia Keluarga 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  *  -18.888/( (505.868+500.83)/ 2 )
=-1  *  -18.888/503.349
=3.75 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=504.932 + 0.936
=505.868

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=500.83 + 0
=500.83

* 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 3.75% mean?
Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) has a Effective Interest Rate on Debt % of 3.75% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Syarikat Takaful Malaysia Keluarga Bhd and its competitors.
Is Syarikat Takaful Malaysia Keluarga Bhd's Effective Interest Rate on Debt % too high?
Syarikat Takaful Malaysia Keluarga Bhd's current Effective Interest Rate on Debt % is 3.75%. Overall, Syarikat Takaful Malaysia Keluarga Bhd has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Syarikat Takaful Malaysia Keluarga Bhd's Effective Interest Rate on Debt % compare to FNF and AXS?
Syarikat Takaful Malaysia Keluarga Bhd's Effective Interest Rate on Debt % of 3.75% 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 Syarikat Takaful Malaysia Keluarga Bhd and its competitors. Syarikat Takaful Malaysia Keluarga Bhd's current Effective Interest Rate on Debt % is 3.75%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Syarikat Takaful Malaysia Keluarga Bhd stock overvalued right now?
Based on GuruFocus' analysis, Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) is currently considered Significantly Undervalued. The stock's GF Value™ is RM5.10, compared to a current price of RM3.25 — trading 36.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.75%. Syarikat Takaful Malaysia Keluarga Bhd's overall GF Score™ is 74/100 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 Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139), the current Effective Interest Rate on Debt % is 3.75% 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 Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) Overvalued in 2026?

Based on GuruFocus' analysis, Syarikat Takaful Malaysia Keluarga Bhd stock appears to be undervalued. The current stock price of RM3.25 is trading 36.3% below its estimated GF Value™ of RM5.10. GuruFocus considers Syarikat Takaful Malaysia Keluarga Bhd to be Significantly Undervalued.

Key valuation signals for XKLS:6139:

  • Effective Interest Rate on Debt %: 3.75%
  • GF Value™: RM5.10 vs. price of RM3.25 (36.3% below fair value)
  • GF Score™: 74/100 with 2 warning signs

No single metric tells the full story. See the XKLS:6139 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Syarikat Takaful Malaysia Keluarga Bhd Business Description

Address No. 4, Jalan Sultan Sulaiman, 27th Floor, Annexe Block, P.O.Box 11483, Menara Takafu, Kuala Lumpur, SGR, MYS, 50000
Syarikat Takaful Malaysia Keluarga Bhd is a takaful insurance provider in Malaysia and Indonesia. Like insurancetakaful protects participants from loss, but unlike traditional insurance, it adheres to a business model that conforms to Islamic religious law. The company's business includes participants who pool their money into a Participant Risk Fund, which then has funds available to disburse when a participant is facing a loss. For managing the takaful fund, the company receives a service fee on participant contributions. Syarikat Takaful Malaysia manages family and general takaful businesses, which include medical, motor and home takaful. The vast majority of the company's revenue comes from customers in Malaysia.
74GF Score

Get the complete analysis for XKLS:6139

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

RM3.25
Price
RM5.10
GF Value