CTOS Digital Bhd (XKLS:5301) Interest Coverage: 10.58 (As of Mar. 2026) — 12% Below Median


XKLS:5301 CTOS Digital Bhd XKLS:5301
85 GF Score
Price RM0.69
GF Value RM1.41
Valuation Significantly Undervalued
! 5 Warning Signs
View Full Analysis

What is CTOS Digital Bhd Interest Coverage?

CTOS Digital Bhd XKLS:5301 -0.72% 85 Interest Coverage is 10.58 as of Mar. 2026, which is 12% below its 10-year median of 12.02. GuruFocus rates XKLS:5301 with a GF Score™ of 85/100 and a GF Value™ of RM1.41 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 430 Capital Markets companies, CTOS Digital Bhd ranks worse than 60.23% 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. CTOS Digital Bhd's Operating Income for the three months ended in Mar. 2026 was RM15.8 Mil. CTOS Digital Bhd's Interest Expense for the three months ended in Mar. 2026 was RM-1.5 Mil. CTOS Digital Bhd's interest coverage for the quarter that ended in Mar. 2026 was 10.58. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for CTOS Digital Bhd's Interest Coverage or its related term are showing as below:

XKLS:5301' s Interest Coverage Range Over the Past 10 Years
Min: 7.09   Med: 12.02   Max: 330.32
Current: 8.46


XKLS:5301's Interest Coverage is ranked worse than
60.23% of 430 companies
in the Capital Markets industry
Industry Median: 19.375 vs XKLS:5301: 8.46

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


CTOS Digital Bhd  (XKLS:5301) 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 .


CTOS Digital Bhd Interest Coverage Related Terms


CTOS Digital Bhd Interest Coverage Historical Data

* Premium members only.

The historical data trend for CTOS Digital 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.

CTOS Digital Bhd Interest Coverage Chart

CTOS Digital Bhd Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial 8.96 15.65 13.18 9.14 7.09

CTOS Digital Bhd Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Coverage 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 5.49 6.33 8.40 9.72 10.58

XKLS:5301 vs SPGI, CME, MCO: Interest Coverage Comparison

For the Financial Data & Stock Exchanges subindustry, CTOS Digital 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.


CTOS Digital Bhd Interest Coverage vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, CTOS Digital Bhd's Interest Coverage distribution charts can be found below:

* The bar in red indicates where CTOS Digital Bhd's Interest Coverage falls into.


XKLS:5301
85GF Score
CTOS Digital Bhd XKLS:5301
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CTOS Digital Bhd Interest Coverage Calculation

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:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

CTOS Digital Bhd's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, CTOS Digital Bhd's Interest Expense was RM-9.5 Mil. Its Operating Income was RM67.3 Mil. And its Long-Term Debt & Capital Lease Obligation was RM84.0 Mil.

Interest Coverage=-1* Operating Income (A: Dec. 2025 )/Interest Expense (A: Dec. 2025 )
=-1*67.282/-9.493
=7.09

CTOS Digital Bhd's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Here, for the three months ended in Mar. 2026, CTOS Digital Bhd's Interest Expense was RM-1.5 Mil. Its Operating Income was RM15.8 Mil. And its Long-Term Debt & Capital Lease Obligation was RM65.1 Mil.

Interest Coverage=-1* Operating Income (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*15.786/-1.492
=10.58

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 10.58 mean?
CTOS Digital Bhd (XKLS:5301) has a Interest Coverage of 10.58 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CTOS Digital Bhd and its competitors. This is 12% below median its historical median of 12.02. Over the past decade, CTOS Digital Bhd's Interest Coverage has ranged from 7.09 to 330.32. According to the industry distribution chart, CTOS Digital Bhd ranks #259 out of 430 companies in the Capital Markets industry, placing it in the top 60.2%.
Is CTOS Digital Bhd's Interest Coverage too high?
CTOS Digital Bhd's current Interest Coverage of 10.58 is 12% below median its 10-year median of 12.02. Over the past 10 years, this metric has ranged from a low of 7.09 to a high of 330.32. The Capital Markets industry median Interest Coverage is 19.38. CTOS Digital Bhd's value of 10.58 is 45.4% below this industry median. Based on the distribution chart, CTOS Digital Bhd ranks #259 out of 430 companies in the Capital Markets industry, which is below the industry midpoint. Overall, CTOS Digital Bhd has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CTOS Digital Bhd's Interest Coverage compare to SPGI and CME?
According to the Capital Markets industry distribution chart, CTOS Digital Bhd ranks #259 out of 430 companies for Interest Coverage. This places CTOS Digital Bhd in the lower half of its industry. The industry median Interest Coverage is 19.38. CTOS Digital Bhd's value of 10.58 is 45.4% below this benchmark. Historically, CTOS Digital Bhd's own Interest Coverage has ranged from 7.09 to 330.32 over the past decade. While the company's 10-year median is 12.02 vs. the industry median of 19.38, CTOS Digital Bhd has consistently been below 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 Capital Markets company?
The median Interest Coverage among Capital Markets companies is 19.38, based on 430 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. CTOS Digital Bhd's current Interest Coverage of 10.58 is 45.4% below 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 CTOS Digital Bhd and its competitors. For the Capital Markets industry, the median Interest Coverage is 19.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CTOS Digital Bhd's current Interest Coverage is 10.58, which is 12% below median its own 10-year median of 12.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CTOS Digital Bhd stock overvalued right now?
Based on GuruFocus' analysis, CTOS Digital Bhd (XKLS:5301) is currently considered Significantly Undervalued. The stock's GF Value™ is RM1.41, compared to a current price of RM0.69 — trading 51.4% below its estimated fair value. The current Interest Coverage is 10.58, which is 12% below median its 10-year median of 12.02 and 45.4% below the Capital Markets industry median of 19.38. CTOS Digital Bhd's overall GF Score™ is 85/100 with 5 warning signs 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 CTOS Digital Bhd (XKLS:5301), the current Interest Coverage is 10.58 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 CTOS Digital Bhd (XKLS:5301) Overvalued in 2026?

Based on GuruFocus' analysis, CTOS Digital Bhd stock appears to be undervalued. The current stock price of RM0.69 is trading 51.4% below its estimated GF Value™ of RM1.41. GuruFocus considers CTOS Digital Bhd to be Significantly Undervalued.

Key valuation signals for XKLS:5301:

  • Interest Coverage: 10.58 (12% below median its 10-year median of 12.02)
  • GF Value™: RM1.41 vs. price of RM0.69 (51.4% below fair value)
  • GF Score™: 85/100 with 5 warning signs
  • Industry Position: 45.4% below the Capital Markets median (#259 of 430)

No single metric tells the full story. See the XKLS:5301 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CTOS Digital Bhd Business Description

Address No. 6, Persiaran Barat, Seksyen 52, Level 17, Menara CelcomDigi, Petaling Jaya, Selangor, MYS, 46200
CTOS Digital Bhd is engaged in activities such as credit reporting agency, digital software-related services including software development, outsourcing, provision of training services, and provision of alternative data credit scoring. It serves three types of customers, namely Key Accounts, Commercial, and Direct-to-Consumer. The company's geographical segments include Malaysia which generates key revenue, and International.
85GF Score

Get the complete analysis for XKLS:5301

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM0.69
Price
RM1.41
GF Value