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K CashHKSE:02483 40 Graham Number is HK$2.86 as of Jun. 2026. GuruFocus rates HKSE:02483 with a GF Score™ of 40/100. The stock has 4 warning signs investors should review. Among 404 Credit Services companies, K Cash ranks better than 67.08% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-09-22), the stock price of K Cash is HK$1.80. K Cash's graham number for the quarter that ended in Jun. 2026 was HK$2.86. Therefore, K Cash's Price to Graham Number ratio for today is 0.63.
The historical rank and industry rank for K Cash's Graham Number or its related term are showing as below:
HKSE:02483'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.59 Med: 0.77 Max: 0.81
Current: 0.61
During the past 6 years, the highest Price to Graham Number ratio of K Cash was 0.81. The lowest was 0.59. And the median was 0.77.
HKSE:02483's Price-to-Graham-Number is ranked better than 67.08% of 404
companies
in the Credit Services industry
Industry Median: 0.78
vs HKSE:02483: 0.61
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
K Cash's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Jun. 2026 )
=
1.80
/
2.86
=
0.63
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
K Cash Graham Number Related Terms
K Cash Graham Number Historical Data
* Premium members only.
The historical data trend for K Cash's Graham Number 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.
HKSE:02483 vs V, MA, AXP: Graham Number Comparison
For the Credit Services subindustry, K Cash's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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.
K Cash Price-to-Graham-Number vs Credit Services Industry
For the Credit Services industry and Financial Services sector, K Cash's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where K Cash's Price-to-Graham-Number 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.
K Cash (HKSE:02483) has a Graham Number of HK$2.86 as of Jun. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on K Cash and its competitors. According to the industry distribution chart, K Cash ranks #133 out of 404 companies in the Credit Services industry, placing it in the top 32.9%.
Is K Cash's Graham Number too high?
K Cash's current Graham Number is HK$2.86. Based on the distribution chart, K Cash ranks #133 out of 404 companies in the Credit Services industry, which is above the industry midpoint. Overall, K Cash has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does K Cash's Graham Number compare to V and MA?
According to the Credit Services industry distribution chart, K Cash ranks #133 out of 404 companies for Graham Number. This puts K Cash in the upper half of its industry. The industry median Graham Number is 0.78. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Credit Services company?
The median Graham Number among Credit Services companies is 0.78, based on 404 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on K Cash and its competitors. For the Credit Services industry, the median Graham Number is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. K Cash's current Graham Number is HK$2.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is K Cash stock overvalued right now?
K Cash (HKSE:02483) has a current Graham Number of HK$2.86. The current Graham Number is HK$2.86. K Cash's overall GF Score™ is 40/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For K Cash (HKSE:02483), the current Graham Number is HK$2.86 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.
K Cash Corp Ltd is a Hong Kong-based licensed money lender that provides secured and unsecured loan financing to individuals and corporations in Hong Kong. Its product range includes unsecured property owner loans, unsecured personal loans, SME loans, and credit card advances, with the company also offering secured property loans. The majority of its revenue is generated as interest income, with unsecured property owner loans representing the largest contributor. Its customers are primarily Hong Kong residents, property owners, and small and medium-sized enterprises seeking short-term financing alternatives to traditional banks. The company operates through a network of branches in Hong Kong and derives revenue mainly from interest charged on its loan portfolio, supplemented by fees and charges associated with loan origination and servicing.
40GF Score
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