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Pappajack BhdXKLS:0242 85 5-Year Yield-on-Cost % is 1.94 as of Aug. 17, 2026, which is 85% above its 10-year median of 1.05. GuruFocus rates XKLS:0242 with a GF Score™ of 85/100 and a GF Value™ of RM1.20 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 212 Credit Services companies, Pappajack Bhd ranks worse than 71.23% on this metric.
Pappajack Bhd's yield on cost for the quarter that ended in Mar. 2026 was 1.94.
The historical rank and industry rank for Pappajack Bhd's 5-Year Yield-on-Cost % or its related term are showing as below:
XKLS:0242'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.46 Med: 1.05 Max: 2
Current: 1.94
During the past 8 years, Pappajack Bhd's highest Yield on Cost was 2.00. The lowest was 0.46. And the median was 1.05.
XKLS:0242's 5-Year Yield-on-Cost % is ranked worse than 71.23% of 212
companies
in the Credit Services industry
Industry Median: 4.5
vs XKLS:0242: 1.94
Pappajack Bhd (XKLS:0242) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Pappajack Bhd 5-Year Yield-on-Cost % Related Terms
XKLS:0242 vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Pappajack Bhd's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pappajack Bhd's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Pappajack Bhd's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Pappajack Bhd is calculated as
Pappajack Bhd (XKLS:0242) has a 5-Year Yield-on-Cost % of 1.94 as of Aug. 17, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pappajack Bhd and its competitors. This is 85% above median its historical median of 1.05. Over the past decade, Pappajack Bhd's 5-Year Yield-on-Cost % has ranged from 0.46 to 2.00. According to the industry distribution chart, Pappajack Bhd ranks #151 out of 212 companies in the Credit Services industry, placing it in the top 71.2%.
Is Pappajack Bhd's 5-Year Yield-on-Cost % too high?
Pappajack Bhd's current 5-Year Yield-on-Cost % of 1.94 is 85% above median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 2.00. The Credit Services industry median 5-Year Yield-on-Cost % is 4.50. Pappajack Bhd's value of 1.94 is 56.9% below this industry median. Based on the distribution chart, Pappajack Bhd ranks #151 out of 212 companies in the Credit Services industry, which is below the industry midpoint. Overall, Pappajack Bhd has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pappajack Bhd's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Pappajack Bhd ranks #151 out of 212 companies for 5-Year Yield-on-Cost %. This places Pappajack Bhd in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.50. Pappajack Bhd's value of 1.94 is 56.9% below this benchmark. Historically, Pappajack Bhd's own 5-Year Yield-on-Cost % has ranged from 0.46 to 2.00 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 4.50, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.50, based on 212 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pappajack Bhd's current 5-Year Yield-on-Cost % of 1.94 is 56.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pappajack Bhd and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pappajack Bhd's current 5-Year Yield-on-Cost % is 1.94, which is 85% above median its own 10-year median of 1.05. 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 RM1.20, compared to a current price of RM0.90 — trading 25% below its estimated fair value. The current 5-Year Yield-on-Cost % is 1.94, which is 85% above median its 10-year median of 1.05 and 56.9% below the Credit Services industry median of 4.50. Pappajack Bhd's overall GF Score™ is 85/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Pappajack Bhd (XKLS:0242), the current 5-Year Yield-on-Cost % is 1.94 as of Aug. 17, 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 RM0.90 is trading 25% below its estimated GF Value™ of RM1.20.
GuruFocus considers Pappajack Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:0242:
5-Year Yield-on-Cost %: 1.94 (85% above median its 10-year median of 1.05)
GF Value™: RM1.20 vs. price of RM0.90 (25% below fair value)
Industry Position: 56.9% below the Credit Services median (#151 of 212)
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.
85GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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