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 Quick Ratio is 2.61 as of Mar. 2026, which is 65% below its 10-year median of 7.41. 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 396 Credit Services companies, Pappajack Bhd ranks worse than 57.83% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Pappajack Bhd's quick ratio for the quarter that ended in Mar. 2026 was 2.61.
Pappajack Bhd has a quick ratio of 2.61. It generally indicates good short-term financial strength.
The historical rank and industry rank for Pappajack Bhd's Quick Ratio or its related term are showing as below:
XKLS:0242'
s Quick Ratio Range Over the Past 10 Years
Min: 2.61 Med: 7.41 Max: 40.27
Current: 2.61
During the past 8 years, Pappajack Bhd's highest Quick Ratio was 40.27. The lowest was 2.61. And the median was 7.41.
XKLS:0242's Quick Ratio is ranked worse than 57.83% of 396
companies
in the Credit Services industry
Industry Median: 4.27
vs XKLS:0242: 2.61
Pappajack Bhd (XKLS:0242) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Pappajack Bhd Quick Ratio Related Terms
Pappajack Bhd Quick Ratio Historical Data
* Premium members only.
The historical data trend for Pappajack Bhd's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pappajack Bhd's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Pappajack Bhd's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Pappajack Bhd's Quick Ratio 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 Quick Ratio of 2.61 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Pappajack Bhd and its competitors. This is 65% below median its historical median of 7.41. Over the past decade, Pappajack Bhd's Quick Ratio has ranged from 2.61 to 40.27. According to the industry distribution chart, Pappajack Bhd ranks #229 out of 396 companies in the Credit Services industry, placing it in the top 57.8%.
Is Pappajack Bhd's Quick Ratio too high?
Pappajack Bhd's current Quick Ratio of 2.61 is 65% below median its 10-year median of 7.41. Over the past 10 years, this metric has ranged from a low of 2.61 to a high of 40.27. The Credit Services industry median Quick Ratio is 4.27. Pappajack Bhd's value of 2.61 is 38.9% below this industry median. Based on the distribution chart, Pappajack Bhd ranks #229 out of 396 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Pappajack Bhd ranks #229 out of 396 companies for Quick Ratio. This places Pappajack Bhd in the lower half of its industry. The industry median Quick Ratio is 4.27. Pappajack Bhd's value of 2.61 is 38.9% below this benchmark. Historically, Pappajack Bhd's own Quick Ratio has ranged from 2.61 to 40.27 over the past decade. While the company's 10-year median is 7.41 vs. the industry median of 4.27, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.27, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pappajack Bhd's current Quick Ratio of 2.61 is 38.9% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Pappajack Bhd and its competitors. For the Credit Services industry, the median Quick Ratio is 4.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pappajack Bhd's current Quick Ratio is 2.61, which is 65% below median its own 10-year median of 7.41. 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 Quick Ratio is 2.61, which is 65% below median its 10-year median of 7.41 and 38.9% below the Credit Services industry median of 4.27. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Pappajack Bhd (XKLS:0242), the current Quick Ratio is 2.61 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:
Quick Ratio: 2.61 (65% below median its 10-year median of 7.41)
GF Value™: RM1.19 vs. price of RM0.91 (23.5% below fair value)
Industry Position: 38.9% below the Credit Services median (#229 of 396)
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
Quick 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 
