Pappajack Bhd (XKLS:0242) Moat Score: 0/10 (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XKLS:0242 Pappajack Bhd XKLS:0242
90 GF Score
Price RM0.91
GF Value RM1.19
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Pappajack Bhd Moat Score?

Pappajack Bhd has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Pappajack Bhd has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Pappajack Bhd might have No Moat - No discernible moat.

Pappajack Bhd  (XKLS:0242) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Pappajack Bhd Moat Score Related Terms

XKLS:0242
90GF Score
Pappajack Bhd XKLS:0242
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: RM1.19 vs. price of RM0.91 (23.5% below fair value)
  • GF Score™: 90/100 with 4 warning signs

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 Business Description

Address No.11B, Jalan TK1/11A, Taman Kinrara, Seksyen 1, Puchong, SGR, MYS, 47180
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

Get the complete analysis for XKLS:0242

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM0.91
Price
RM1.19
GF Value