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Pappajack BhdXKLS:0242 +0.56%86 Debt-to-EBITDA is 2.60 as of Jun. 2026, which is 94% above its 10-year median of 1.34. GuruFocus rates XKLS:0242 with a GF Score™ of 86/100 and a GF Value™ of RM1.19 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 283 Credit Services companies, Pappajack Bhd ranks better than 72.79% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Pappajack Bhd's Debt-to-EBITDA or its related term are showing as below:
XKLS:0242'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.06 Med: 1.34 Max: 3.07
Current: 3.07
During the past 8 years, the highest Debt-to-EBITDA Ratio of Pappajack Bhd was 3.07. The lowest was 1.06. And the median was 1.34.
XKLS:0242's Debt-to-EBITDA is ranked better than 72.79% of 283
companies
in the Credit Services industry
Industry Median: 8.69
vs XKLS:0242: 3.07
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Pappajack Bhd Debt-to-EBITDA Related Terms
Pappajack Bhd Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Pappajack Bhd's Debt-to-EBITDA 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.
XKLS:0242 vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Pappajack Bhd's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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.
Pappajack Bhd Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pappajack Bhd's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Pappajack Bhd's Debt-to-EBITDA falls into.
* 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 Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Pappajack Bhd (XKLS:0242) has a Debt-to-EBITDA of 2.60 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Pappajack Bhd. This is 94% above median its historical median of 1.34. Over the past decade, Pappajack Bhd's Debt-to-EBITDA has ranged from 1.06 to 3.07. According to the industry distribution chart, Pappajack Bhd ranks #77 out of 283 companies in the Credit Services industry, placing it in the top 27.2%.
Is Pappajack Bhd's Debt-to-EBITDA too high?
Pappajack Bhd's current Debt-to-EBITDA of 2.60 is 94% above median its 10-year median of 1.34. Over the past 10 years, this metric has ranged from a low of 1.06 to a high of 3.07. The Credit Services industry median Debt-to-EBITDA is 8.69. Pappajack Bhd's value of 2.60 is 70.1% below this industry median. Based on the distribution chart, Pappajack Bhd ranks #77 out of 283 companies in the Credit Services industry, which is above the industry midpoint. Overall, Pappajack Bhd has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pappajack Bhd's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Pappajack Bhd ranks #77 out of 283 companies for Debt-to-EBITDA. This puts Pappajack Bhd in the upper half of its industry. The industry median Debt-to-EBITDA is 8.69. Pappajack Bhd's value of 2.60 is 70.1% below this benchmark. Historically, Pappajack Bhd's own Debt-to-EBITDA has ranged from 1.06 to 3.07 over the past decade. While the company's 10-year median is 1.34 vs. the industry median of 8.69, Pappajack 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.69, based on 283 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pappajack Bhd's current Debt-to-EBITDA of 2.60 is 70.1% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Pappajack Bhd. For the Credit Services industry, the median Debt-to-EBITDA is 8.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pappajack Bhd's current Debt-to-EBITDA is 2.60, which is 94% above median its own 10-year median of 1.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pappajack Bhd stock overvalued right now?
Based on GuruFocus' analysis, Pappajack Bhd (XKLS:0242) is currently considered Modestly Undervalued. The stock's GF Value™ is RM1.19, compared to a current price of RM0.90 — trading 24.8% below its estimated fair value. The current Debt-to-EBITDA is 2.60, which is 94% above median its 10-year median of 1.34 and 70.1% below the Credit Services industry median of 8.69. Pappajack Bhd's overall GF Score™ is 86/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Pappajack Bhd (XKLS:0242), the current Debt-to-EBITDA is 2.60 as of Jun. 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 Pappajack Bhd (XKLS:0242) Overvalued in 2026?
Based on GuruFocus' analysis, Pappajack Bhd stock appears to be undervalued.
The current stock price of RM0.90 is trading 24.8% below its estimated GF Value™ of RM1.19.
GuruFocus considers Pappajack Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:0242:
Debt-to-EBITDA: 2.60 (94% above median its 10-year median of 1.34)
GF Value™: RM1.19 vs. price of RM0.90 (24.8% below fair value)
Industry Position: 70.1% below the Credit Services median (#77 of 283)
No single metric tells the full story. See the XKLS:0242 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pappajack Bhd is an investment holding company. It is principally involved in the provision of pawnbroking services through a network of pawnbroking outlets in Malaysia. The group operates in two segments: Interest income which includes interest charges from pawnbroking and Sales auction which includes sales of unredeemed or bid pledges. The company derives maximum revenue from sale of unredeemed or bid pledges.
86GF Score
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