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.
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.
Pappajack BhdXKLS:0242 +0.55%90 PEG Ratio is 0.73 as of Jul. 15, 2026, which is 9% above its 10-year median of 0.67. 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 233 Credit Services companies, Pappajack Bhd ranks better than 54.94% on this metric.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Pappajack Bhd's PEG Ratio or its related term are showing as below:
XKLS:0242'
s PEG Ratio Range Over the Past 10 Years
Min: 0.61 Med: 0.67 Max: 0.86
Current: 0.73
During the past 8 years, Pappajack Bhd's highest PEG Ratio was 0.86. The lowest was 0.61. And the median was 0.67.
XKLS:0242's PEG Ratio is ranked better than 54.94% of 233
companies
in the Credit Services industry
Industry Median: 0.9
vs XKLS:0242: 0.73
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Pappajack Bhd (XKLS:0242) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Pappajack Bhd PEG Ratio Related Terms
Pappajack Bhd PEG Ratio Historical Data
* Premium members only.
The historical data trend for Pappajack Bhd's PEG Ratio 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.
For the Credit Services subindustry, Pappajack Bhd's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pappajack Bhd's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Pappajack Bhd's PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Pappajack Bhd (XKLS:0242) has a PEG Ratio of 0.73 as of Jul. 15, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pappajack Bhd and its competitors. This is near median its historical median of 0.67. Over the past decade, Pappajack Bhd's PEG Ratio has ranged from 0.61 to 0.86. According to the industry distribution chart, Pappajack Bhd ranks #105 out of 233 companies in the Credit Services industry, placing it in the top 45.1%.
Is Pappajack Bhd's PEG Ratio too high?
Pappajack Bhd's current PEG Ratio of 0.73 is near median its 10-year median of 0.67. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 0.86. The Credit Services industry median PEG Ratio is 0.90. Pappajack Bhd's value of 0.73 is 18.9% below this industry median. Based on the distribution chart, Pappajack Bhd ranks #105 out of 233 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 PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Pappajack Bhd ranks #105 out of 233 companies for PEG Ratio. This puts Pappajack Bhd in the upper half of its industry. The industry median PEG Ratio is 0.90. Pappajack Bhd's value of 0.73 is 18.9% below this benchmark. Historically, Pappajack Bhd's own PEG Ratio has ranged from 0.61 to 0.86 over the past decade. While the company's 10-year median is 0.67 vs. the industry median of 0.90, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.90, based on 233 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pappajack Bhd's current PEG Ratio of 0.73 is 18.9% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pappajack Bhd and its competitors. For the Credit Services industry, the median PEG Ratio is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pappajack Bhd's current PEG Ratio is 0.73, which is near median its own 10-year median of 0.67. 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 PEG Ratio is 0.73, which is near median its 10-year median of 0.67 and 18.9% below the Credit Services industry median of 0.90. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Pappajack Bhd (XKLS:0242), the current PEG Ratio is 0.73 as of Jul. 15, 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:
PEG Ratio: 0.73 (near median its 10-year median of 0.67)
GF Value™: RM1.19 vs. price of RM0.91 (23.5% below fair value)
Industry Position: 18.9% below the Credit Services median (#105 of 233)
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
Get the complete analysis for XKLS:0242
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:0242 has been successfully added to your 
