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Pappajack BhdXKLS:0242 +0.55%90 Interest Coverage is 7.63 as of Mar. 2026, which is 45% below its 10-year median of 13.92. 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 163 Credit Services companies, Pappajack Bhd ranks worse than 67.48% 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. Pappajack Bhd's
Operating Income
for the
three
months ended in Mar. 2026 was RM14.8 Mil. Pappajack Bhd's Interest Expense for the
three
months ended in Mar. 2026 was RM-1.9 Mil.
Pappajack Bhd's interest coverage for the quarter that ended in Mar. 2026 was 7.63.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Pappajack Bhd's Interest Coverage or its related term are showing as below:
XKLS:0242'
s Interest Coverage Range Over the Past 10 Years
Min: 7.84 Med: 13.92 Max: 19.62
Current: 7.84
XKLS:0242's Interest Coverage is ranked worse than 67.48% of 163
companies
in the Credit Services industry
Industry Median: 47.86
vs XKLS:0242: 7.84
Pappajack Bhd (XKLS:0242) 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 .
Pappajack Bhd Interest Coverage Related Terms
Pappajack Bhd Interest Coverage Historical Data
* Premium members only.
The historical data trend for Pappajack 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.
XKLS:0242 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Pappajack 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.
Pappajack Bhd Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pappajack Bhd's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Pappajack Bhd's Interest Coverage falls into.
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:
* 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 Interest Coverage of 7.63 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Pappajack Bhd and its competitors. This is 45% below median its historical median of 13.92. Over the past decade, Pappajack Bhd's Interest Coverage has ranged from 7.84 to 19.62. According to the industry distribution chart, Pappajack Bhd ranks #110 out of 163 companies in the Credit Services industry, placing it in the top 67.5%.
Is Pappajack Bhd's Interest Coverage too high?
Pappajack Bhd's current Interest Coverage of 7.63 is 45% below median its 10-year median of 13.92. Over the past 10 years, this metric has ranged from a low of 7.84 to a high of 19.62. The Credit Services industry median Interest Coverage is 47.86. Pappajack Bhd's value of 7.63 is 84.1% below this industry median. Based on the distribution chart, Pappajack Bhd ranks #110 out of 163 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Pappajack Bhd ranks #110 out of 163 companies for Interest Coverage. This places Pappajack Bhd in the lower half of its industry. The industry median Interest Coverage is 47.86. Pappajack Bhd's value of 7.63 is 84.1% below this benchmark. Historically, Pappajack Bhd's own Interest Coverage has ranged from 7.84 to 19.62 over the past decade. While the company's 10-year median is 13.92 vs. the industry median of 47.86, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 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. Pappajack Bhd's current Interest Coverage of 7.63 is 84.1% 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 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 Pappajack Bhd and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pappajack Bhd's current Interest Coverage is 7.63, which is 45% below median its own 10-year median of 13.92. 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 Interest Coverage is 7.63, which is 45% below median its 10-year median of 13.92 and 84.1% below the Credit Services industry median of 47.86. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Pappajack Bhd (XKLS:0242), the current Interest Coverage is 7.63 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:
Interest Coverage: 7.63 (45% below median its 10-year median of 13.92)
GF Value™: RM1.19 vs. price of RM0.91 (23.5% below fair value)
Industry Position: 84.1% below the Credit Services median (#110 of 163)
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.
90GF Score
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