Censof Holdings BhdXKLS:5195 +2.70%49 Interest Coverage is 105.47 as of Mar. 2026, which is 72% above its 10-year median of 61.28. GuruFocus rates XKLS:5195 with a GF Score™ of 49/100 and a GF Value™ of RM0.24 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,705 Software companies, Censof Holdings Bhd ranks better than 64.22% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Censof Holdings Bhd's
Operating Income
for the
three
months ended in Mar. 2026 was RM5.4 Mil. Censof Holdings Bhd's Interest Expense for the
three
months ended in Mar. 2026 was RM-0.1 Mil.
Censof Holdings Bhd's interest coverage for the quarter that ended in Mar. 2026 was 105.47.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Censof Holdings Bhd has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Censof Holdings Bhd's Interest Coverage or its related term are showing as below:
XKLS:5195'
s Interest Coverage Range Over the Past 10 Years
Min: 1.18 Med: 61.28 Max: 362.41
Current: 73.94
XKLS:5195's Interest Coverage is ranked better than 64.22% of 1705
companies
in the Software industry
Industry Median: 24.78
vs XKLS:5195: 73.94
Censof Holdings Bhd (XKLS:5195) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Censof Holdings Bhd Interest Coverage Related Terms
Censof Holdings Bhd Interest Coverage Historical Data
* Premium members only.
The historical data trend for Censof Holdings Bhd's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
XKLS:5195 vs UBER, SHOP, CRM: Interest Coverage Comparison
For the Software - Application subindustry, Censof Holdings Bhd's Interest Coverage, along with its competitors' market caps and Interest Coverage 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.
Censof Holdings Bhd Interest Coverage vs Software Industry
For the Software industry and Technology sector, Censof Holdings Bhd's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Censof Holdings Bhd's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
Censof Holdings Bhd (XKLS:5195) has a Interest Coverage of 105.47 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Censof Holdings Bhd and its competitors. This is 72% above median its historical median of 61.28. Over the past decade, Censof Holdings Bhd's Interest Coverage has ranged from 1.18 to 362.41. According to the industry distribution chart, Censof Holdings Bhd ranks #610 out of 1705 companies in the Software industry, placing it in the top 35.8%.
Is Censof Holdings Bhd's Interest Coverage too high?
Censof Holdings Bhd's current Interest Coverage of 105.47 is 72% above median its 10-year median of 61.28. Over the past 10 years, this metric has ranged from a low of 1.18 to a high of 362.41. The Software industry median Interest Coverage is 24.78. Censof Holdings Bhd's value of 105.47 is 325.6% above this industry median. Based on the distribution chart, Censof Holdings Bhd ranks #610 out of 1705 companies in the Software industry, which is above the industry midpoint. Overall, Censof Holdings Bhd has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Censof Holdings Bhd's Interest Coverage compare to UBER and SHOP?
According to the Software industry distribution chart, Censof Holdings Bhd ranks #610 out of 1705 companies for Interest Coverage. This puts Censof Holdings Bhd in the upper half of its industry. The industry median Interest Coverage is 24.78. Censof Holdings Bhd's value of 105.47 is 325.6% above this benchmark. Historically, Censof Holdings Bhd's own Interest Coverage has ranged from 1.18 to 362.41 over the past decade. While the company's 10-year median is 61.28 vs. the industry median of 24.78, Censof Holdings Bhd has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Software company?
The median Interest Coverage among Software companies is 24.78, based on 1,705 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Censof Holdings Bhd's current Interest Coverage of 105.47 is 325.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Censof Holdings Bhd and its competitors. For the Software industry, the median Interest Coverage is 24.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Censof Holdings Bhd's current Interest Coverage is 105.47, which is 72% above median its own 10-year median of 61.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Censof Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, Censof Holdings Bhd (XKLS:5195) is currently considered Modestly Undervalued. The stock's GF Value™ is RM0.24, compared to a current price of RM0.19 — trading 20.8% below its estimated fair value. The current Interest Coverage is 105.47, which is 72% above median its 10-year median of 61.28 and 325.6% above the Software industry median of 24.78. Censof Holdings Bhd's overall GF Score™ is 49/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Censof Holdings Bhd (XKLS:5195), the current Interest Coverage is 105.47 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 Censof Holdings Bhd (XKLS:5195) Overvalued in 2026?
Based on GuruFocus' analysis, Censof Holdings Bhd stock appears to be undervalued.
The current stock price of RM0.19 is trading 20.8% below its estimated GF Value™ of RM0.24.
GuruFocus considers Censof Holdings Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5195:
Interest Coverage: 105.47 (72% above median its 10-year median of 61.28)
GF Value™: RM0.24 vs. price of RM0.19 (20.8% below fair value)
Industry Position: 325.6% above the Software median (#610 of 1705)
No single metric tells the full story. See the XKLS:5195 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Censof Holdings Bhd is engaged in the business of investment holding and the provision of management services. Its operating segments are the Financial Management Solutions segment for Government, the Financial Management Solutions segment for Commercial, the Digital Technology segment, the Corporate Services segment, and the Wealth Management Solutions segment. It derives principal revenue from the Financial Management Solutions segment for Government segment, which involves the design, development, implementation, and marketing of financial management software and related services to government agencies and statutory bodies at the federal, state, and local levels. Geographically, the company operates in Indonesia, Singapore, and Malaysia, of which key revenue is derived from Malaysia.
49GF Score
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