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.
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.
Pappajack BhdXKLS:0242 +0.56%86 EV-to-EBITDA is 13.78 as of Sep. 02, 2026, which is 29% below its 10-year median of 19.49. GuruFocus rates XKLS:0242 with a GF Score™ of 86/100 and a GF Value™ of RM1.20 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 320 Credit Services companies, Pappajack Bhd ranks better than 61.25% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Pappajack Bhd's enterprise value is RM854.4 Mil.
Pappajack Bhd's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was RM62.0 Mil. Therefore, Pappajack Bhd's EV-to-EBITDA for today is 13.78.
The historical rank and industry rank for Pappajack Bhd's EV-to-EBITDA or its related term are showing as below:
XKLS:0242'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 13.72 Med: 19.49 Max: 39.77
Current: 13.78
During the past 8 years, the highest EV-to-EBITDA of Pappajack Bhd was 39.77. The lowest was 13.72. And the median was 19.49.
XKLS:0242's EV-to-EBITDA is ranked better than 61.25% of 320
companies
in the Credit Services industry
Industry Median: 19.855
vs XKLS:0242: 13.78
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
Pappajack Bhd (XKLS:0242) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pappajack Bhd's PE Ratio (TTM) for today is calculated as:
Pappajack Bhd's share price for today is RM0.90.
Pappajack Bhd's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was RM0.043.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Pappajack Bhd's EV-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.
For the Credit Services subindustry, Pappajack Bhd's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pappajack Bhd's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Pappajack Bhd's EV-to-EBITDA falls into.
Pappajack Bhd's current Enterprise Value is RM854.4 Mil.
Pappajack Bhd's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was RM62.0 Mil.
* 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.
Pappajack Bhd (XKLS:0242) has a EV-to-EBITDA of 13.78 as of Sep. 02, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Pappajack Bhd. This is 29% below median its historical median of 19.49. Over the past decade, Pappajack Bhd's EV-to-EBITDA has ranged from 13.72 to 39.77. According to the industry distribution chart, Pappajack Bhd ranks #124 out of 320 companies in the Credit Services industry, placing it in the top 38.7%.
Is Pappajack Bhd's EV-to-EBITDA too high?
Pappajack Bhd's current EV-to-EBITDA of 13.78 is 29% below median its 10-year median of 19.49. Over the past 10 years, this metric has ranged from a low of 13.72 to a high of 39.77. The Credit Services industry median EV-to-EBITDA is 19.86. Pappajack Bhd's value of 13.78 is 30.6% below this industry median. Based on the distribution chart, Pappajack Bhd ranks #124 out of 320 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 EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Pappajack Bhd ranks #124 out of 320 companies for EV-to-EBITDA. This puts Pappajack Bhd in the upper half of its industry. The industry median EV-to-EBITDA is 19.86. Pappajack Bhd's value of 13.78 is 30.6% below this benchmark. Historically, Pappajack Bhd's own EV-to-EBITDA has ranged from 13.72 to 39.77 over the past decade. While the company's 10-year median is 19.49 vs. the industry median of 19.86, 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 19.86, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pappajack Bhd's current EV-to-EBITDA of 13.78 is 30.6% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Pappajack Bhd. For the Credit Services industry, the median EV-to-EBITDA is 19.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pappajack Bhd's current EV-to-EBITDA is 13.78, which is 29% below median its own 10-year median of 19.49. 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 RM1.20, compared to a current price of RM0.90 — trading 25% below its estimated fair value. The current EV-to-EBITDA is 13.78, which is 29% below median its 10-year median of 19.49 and 30.6% below the Credit Services industry median of 19.86. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Pappajack Bhd (XKLS:0242), the current EV-to-EBITDA is 13.78 as of Sep. 02, 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 25% below its estimated GF Value™ of RM1.20.
GuruFocus considers Pappajack Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:0242:
EV-to-EBITDA: 13.78 (29% below median its 10-year median of 19.49)
GF Value™: RM1.20 vs. price of RM0.90 (25% below fair value)
Industry Position: 30.6% below the Credit Services median (#124 of 320)
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
Get the complete analysis for XKLS:0242
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:0242 has been successfully added to your 
