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Pappajack BhdXKLS:0242 +0.55%90 Gross Margin % is 48.37% as of Mar. 2026, which is 33% above its 10-year median of 36.42. GuruFocus rates XKLS:0242 with a GF Score™ of 90/100 and a GF Value™ of RM1.19 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 387 Credit Services companies, Pappajack Bhd ranks worse than 57.11% on this metric.
The historical rank and industry rank for Pappajack Bhd's Gross Margin % or its related term are showing as below:
XKLS:0242'
s Gross Margin % Range Over the Past 10 Years
Min: 26.51 Med: 36.42 Max: 45.51
Current: 45.51
During the past 8 years, the highestGross Margin % of Pappajack Bhd was 45.51%. The lowest was 26.51%. And the median was 36.42%.
XKLS:0242's Gross Margin % is ranked worse than 57.11% of 387
companies
in the Credit Services industry
Industry Median: 51.81
vs XKLS:0242: 45.51
Pappajack Bhd had a gross margin of 48.37% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Pappajack Bhd was 2.70% per year.
Pappajack Bhd (XKLS:0242) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Pappajack Bhd had a gross margin of 48.37% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Pappajack Bhd Gross Margin % Related Terms
Pappajack Bhd Gross Margin % Historical Data
* Premium members only.
The historical data trend for Pappajack Bhd's Gross Margin % 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: Gross Margin % Comparison
For the Credit Services subindustry, Pappajack Bhd's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pappajack Bhd's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Pappajack Bhd's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Pappajack Bhd (XKLS:0242) has a Gross Margin % of 48.37% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Pappajack Bhd and its competitors. This is 33% above median its historical median of 36.42. Over the past decade, Pappajack Bhd's Gross Margin % has ranged from 26.51 to 45.51. According to the industry distribution chart, Pappajack Bhd ranks #221 out of 387 companies in the Credit Services industry, placing it in the top 57.1%.
Is Pappajack Bhd's Gross Margin % too high?
Pappajack Bhd's current Gross Margin % of 48.37% is 33% above median its 10-year median of 36.42. Over the past 10 years, this metric has ranged from a low of 26.51 to a high of 45.51. The Credit Services industry median Gross Margin % is 51.81. Pappajack Bhd's value of 48.37% is 6.6% below this industry median. Based on the distribution chart, Pappajack Bhd ranks #221 out of 387 companies in the Credit Services industry, which is below the industry midpoint. Overall, Pappajack Bhd has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pappajack Bhd's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pappajack Bhd ranks #221 out of 387 companies for Gross Margin %. This places Pappajack Bhd in the lower half of its industry. The industry median Gross Margin % is 51.81. Pappajack Bhd's value of 48.37% is 6.6% below this benchmark. Historically, Pappajack Bhd's own Gross Margin % has ranged from 26.51 to 45.51 over the past decade. While the company's 10-year median is 36.42 vs. the industry median of 51.81, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.81, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pappajack Bhd's current Gross Margin % of 48.37% is 6.6% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Pappajack Bhd and its competitors. For the Credit Services industry, the median Gross Margin % is 51.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pappajack Bhd's current Gross Margin % is 48.37%, which is 33% above median its own 10-year median of 36.42. 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 RM0.91 — trading 23.5% below its estimated fair value. The current Gross Margin % is 48.37%, which is 33% above median its 10-year median of 36.42 and 6.6% below the Credit Services industry median of 51.81. Pappajack Bhd's overall GF Score™ is 90/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Pappajack Bhd (XKLS:0242), the current Gross Margin % is 48.37% 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 Pappajack Bhd (XKLS:0242) Overvalued in 2026?
Based on GuruFocus' analysis, Pappajack Bhd stock appears to be undervalued.
The current stock price of RM0.91 is trading 23.5% below its estimated GF Value™ of RM1.19.
GuruFocus considers Pappajack Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:0242:
Gross Margin %: 48.37% (33% above median its 10-year median of 36.42)
GF Value™: RM1.19 vs. price of RM0.91 (23.5% below fair value)
Industry Position: 6.6% below the Credit Services median (#221 of 387)
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.
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