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Pappajack BhdXKLS:0242 +0.55%90 Operating Margin % is 39.78% as of Mar. 2026, which is 55% above its 10-year median of 25.69. 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 413 Credit Services companies, Pappajack Bhd ranks better than 72.15% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. Pappajack Bhd's Operating Income for the
three
months ended in Mar. 2026 was RM14.8 Mil. Pappajack Bhd's Revenue for the
three
months ended in Mar. 2026 was RM37.3 Mil. Therefore, Pappajack Bhd's Operating Margin % for the quarter that ended in Mar. 2026 was 39.78%.
Good Sign:
Pappajack Bhd operating margin is expanding. Margin expansion is usually a good sign.
The historical rank and industry rank for Pappajack Bhd's Operating Margin % or its related term are showing as below:
XKLS:0242'
s Operating Margin % Range Over the Past 10 Years
Min: 18.89 Med: 25.69 Max: 38.16
Current: 36.14
XKLS:0242's Operating Margin % is ranked better than 72.15% of 413
companies
in the Credit Services industry
Industry Median: 17.58
vs XKLS:0242: 36.14
Pappajack Bhd's 5-Year Average Operating Margin % Growth Rate was 2.40% per year.
Pappajack Bhd's Operating Income for the
three
months ended in Mar. 2026 was RM14.8 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was RM49.7 Mil.
Pappajack Bhd (XKLS:0242) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Pappajack Bhd Operating Margin % Related Terms
Pappajack Bhd Operating Margin % Historical Data
* Premium members only.
The historical data trend for Pappajack Bhd's Operating 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: Operating Margin % Comparison
For the Credit Services subindustry, Pappajack Bhd's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pappajack Bhd's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Pappajack Bhd's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Pappajack Bhd's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Operating Margin % of 39.78% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Pappajack Bhd and its competitors. This is 55% above median its historical median of 25.69. Over the past decade, Pappajack Bhd's Operating Margin % has ranged from 18.89 to 38.16. According to the industry distribution chart, Pappajack Bhd ranks #115 out of 413 companies in the Credit Services industry, placing it in the top 27.8%.
Is Pappajack Bhd's Operating Margin % too high?
Pappajack Bhd's current Operating Margin % of 39.78% is 55% above median its 10-year median of 25.69. Over the past 10 years, this metric has ranged from a low of 18.89 to a high of 38.16. The Credit Services industry median Operating Margin % is 17.58. Pappajack Bhd's value of 39.78% is 126.3% above this industry median. Based on the distribution chart, Pappajack Bhd ranks #115 out of 413 companies in the Credit Services industry, which is above 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pappajack Bhd ranks #115 out of 413 companies for Operating Margin %. This puts Pappajack Bhd in the upper half of its industry. The industry median Operating Margin % is 17.58. Pappajack Bhd's value of 39.78% is 126.3% above this benchmark. Historically, Pappajack Bhd's own Operating Margin % has ranged from 18.89 to 38.16 over the past decade. While the company's 10-year median is 25.69 vs. the industry median of 17.58, Pappajack Bhd has consistently been above 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.58, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pappajack Bhd's current Operating Margin % of 39.78% is 126.3% above 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Pappajack Bhd and its competitors. For the Credit Services industry, the median Operating Margin % is 17.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pappajack Bhd's current Operating Margin % is 39.78%, which is 55% above median its own 10-year median of 25.69. 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 Operating Margin % is 39.78%, which is 55% above median its 10-year median of 25.69 and 126.3% above the Credit Services industry median of 17.58. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Pappajack Bhd (XKLS:0242), the current Operating Margin % is 39.78% 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:
Operating Margin %: 39.78% (55% above median its 10-year median of 25.69)
GF Value™: RM1.19 vs. price of RM0.91 (23.5% below fair value)
Industry Position: 126.3% above the Credit Services median (#115 of 413)
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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