XL Holdings Bhd (XKLS:7121) Effective Interest Rate on Debt %: 11.42% (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:7121 XL Holdings Bhd XKLS:7121
54 GF Score
Price RM0.83
GF Value RM0.56
Valuation Significantly Overvalued
! 11 Warning Signs
View Full Analysis

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

XL Holdings Bhd XKLS:7121 -0.60% 54 Effective Interest Rate on Debt % is 11.42% as of Apr. 2026. GuruFocus rates XKLS:7121 with a GF Score™ of 54/100 and a GF Value™ of RM0.56 (Significantly Overvalued). The stock has 11 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. XL Holdings Bhd's annualized positive value of Interest Expense for the quarter that ended in Apr. 2026 was RM1.4 Mil. XL Holdings Bhd's average total debt for the quarter that ended in Apr. 2026 was RM12.6 Mil. Therefore, XL Holdings Bhd's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 was 11.42%.


XL Holdings Bhd  (XKLS:7121) Effective Interest Rate on Debt % Explanation

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


XL Holdings Bhd Effective Interest Rate on Debt % Related Terms


XL Holdings Bhd Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for XL 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.

XL Holdings Bhd Effective Interest Rate on Debt % Chart

XL Holdings Bhd Annual Data
Trend Jan16 Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Apr24 Apr25 Apr26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.29 4.22 4.63 5.49 4.52

XL Holdings Bhd Quarterly Data
Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.79 5.11 4.88 7.00 11.42

XKLS:7121 vs ADM, BG, TSN: Effective Interest Rate on Debt % Comparison

For the Farm Products subindustry, XL 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.


XL Holdings Bhd Effective Interest Rate on Debt % vs Consumer Packaged Goods Industry

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

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


XKLS:7121
54GF Score
XL Holdings Bhd XKLS:7121
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

XL Holdings Bhd Effective Interest Rate on Debt % Calculation

XL Holdings 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  *  -0.549/( (4.318+19.998)/ 2 )
=-1  *  -0.549/12.158
=4.52 %

where

Total Debt  (A: Apr. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2.213 + 2.105
=4.318

Total Debt  (A: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=14.99 + 5.008
=19.998

XL Holdings 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  *  -1.444/( (5.284+19.998)/ 2 )
=-1  *  -1.444/12.641
=11.42 %

where

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1.905 + 3.379
=5.284

Total Debt  (Q: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=14.99 + 5.008
=19.998

* 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 11.42% mean?
XL Holdings Bhd (XKLS:7121) has a Effective Interest Rate on Debt % of 11.42% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on XL Holdings Bhd and its competitors.
Is XL Holdings Bhd's Effective Interest Rate on Debt % too high?
XL Holdings Bhd's current Effective Interest Rate on Debt % is 11.42%. Overall, XL Holdings Bhd has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does XL Holdings Bhd's Effective Interest Rate on Debt % compare to ADM and BG?
XL Holdings Bhd's Effective Interest Rate on Debt % of 11.42% can be compared against companies in the Consumer Packaged Goods 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 Consumer Packaged Goods company?
A good Effective Interest Rate on Debt % depends on the Consumer Packaged Goods 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 XL Holdings Bhd and its competitors. XL Holdings Bhd's current Effective Interest Rate on Debt % is 11.42%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XL Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, XL Holdings Bhd (XKLS:7121) is currently considered Significantly Overvalued. The stock's GF Value™ is RM0.56, compared to a current price of RM0.83 — trading 47.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 11.42%. XL Holdings Bhd's overall GF Score™ is 54/100 with 11 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 XL Holdings Bhd (XKLS:7121), the current Effective Interest Rate on Debt % is 11.42% 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 XL Holdings Bhd (XKLS:7121) Overvalued in 2026?

Based on GuruFocus' analysis, XL Holdings Bhd stock appears to be overvalued. The current stock price of RM0.83 is trading 47.3% above its estimated GF Value™ of RM0.56. GuruFocus considers XL Holdings Bhd to be Significantly Overvalued.

Key valuation signals for XKLS:7121:

  • Effective Interest Rate on Debt %: 11.42%
  • GF Value™: RM0.56 vs. price of RM0.83 (47.3% above fair value)
  • GF Score™: 54/100 with 11 warning signs

No single metric tells the full story. See the XKLS:7121 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


XL Holdings Bhd Business Description

Address No. 1, Jalan Desa Kiara, B-09-09, Gateway Corporate Suites Gateway Kiaramas, Mont Kiara, Kuala Lumpur, SGR, MYS, 50480
XL Holdings Bhd is an investment company that engages in the provision of management services. The company's operating segment includes Fish farming, Merchandise, Edible bird nest, Foods, Investment holding, and Growing crop. The Foods segment, which is into the Manufacturing and trading of edible foods, generates the majority of its revenue. Fish farming is into Breeding and rearing of fishery livestock. Merchandise segment in into trading of fish, consumables, and aquarium accessories. The edible bird nest segment is into the trading and distribution of edible bird nest. Growing crop: Growing a crop of pineapple.
54GF Score

Get the complete analysis for XKLS:7121

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

RM0.83
Price
RM0.56
GF Value