Pappajack Bhd (0242) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Pappajack Bhd stock MYR 0.31, price MYR 0.90, that is 65.6% below the price, quality 49 out of 100. Rating: strongly overvalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
55‑month range 0.3799 MYR – 1.05 MYR · fair‑value band 0.2900 MYR – 0.3500 MYR · the 0.9000 MYR price screens above the 0.3100 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Pappajack Berhad, an investment holding company, operates licensed pawnshops in Malaysia. It provides pawnbroking services through a network of pawnbroking outlets. The company was founded in 2013 and is headquartered in Puchong, Malaysia.
Stock analysis
Pappajack Bhd (0242) currently trades at 0.9000 MYR, while our model-based Fair Value estimate is 0.3100 MYR, 66% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 1.46 MYR per share, and 2 of the 9 models we run sit above the 0.9000 MYR price.
Bear case: the Dividend Discount group reads lowest at 0.1700 MYR, and 7 of the 9 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.2900 MYR (bear) to 0.3500 MYR (bull), the price of 0.9000 MYR sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Pappajack Bhd reported revenue of 134M MYR in FY2025 versus 54.1M MYR in FY2021, a compound +25.5%/yr. Reported net income was 28.1M MYR in FY2025, compounding +42.6%/yr from FY2021.
Key figures
Market cap 690M MYR (≈ $170M) Micro · P/E ratio 22.5 · P/S ratio 4.85 · EPS (TTM) 0.0400 MYR · Dividend yield 2.2% · Net margin 22.7% · Return on equity 11.4% · Return on assets (EBIT) 9.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at −66%, 0242 screens richer than that median.
Fair Value models
Bear0.2900 MYRFair Value 0.3100 MYRBull0.3500 MYR
Price 0.9000 MYR · Downside -65.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.0172 MYR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+13.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+34.2%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+44.9%
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What shareholders gained per year (last 5 years), in MYR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in MYR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+31.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.2%
Dividend (yield on the price)2.2%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.39% → 34%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside−65.6% · Bottom 25%
Profitability
Return on equity (12 months)11.4% · Above median
Return on assets6.7% · Top 25%
Net margin (12 months)22.7% · Below median
Operating margin (12 months)39.7% · Above median
Growth and dividend
Revenue growth (quarter YoY)15.4% · Above median
Dividend yield (12 months)2.2% · Below median
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)22.5× · Priciest 25%
P/B2.48× · Priciest 25%
P/S (12 months)4.85× · Pricier than median
EV/EBITDA11.3× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 59
FUTURE (revenue growth)77· sector 57
PAST (return on equity)46· sector 39
HEALTH (low debt)100· sector 54
DIVIDEND (yield)44· sector 64
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Pappajack Bhd Fair Value". https://www.fairvalue-calculator.com/stock/0242
Frequently asked questions
Is Pappajack Bhd (0242) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 0.3100 MYR versus a price of 0.9000 MYR, about 66% lower (overvalued).
What is the fair value of 0242?
Our model-based fair value for Pappajack Bhd is 0.3100 MYR (as of Nov 8, 2026), built from audited fundamentals. The current price: 0.9000 MYR.
What is the quality score of 0242?
Pappajack Bhd has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pappajack Bhd (0242)?
Our model-based price target is the fair value of 0.3100 MYR (as of Nov 8, 2026) from 9 valuation models. Cautious scenario 0.2900 MYR, optimistic scenario 0.3500 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Pappajack Bhd stock forecast for 2026?
Our models put fair value at 0.3100 MYR, about 66% lower versus a price of 0.9000 MYR (overvalued). Cautious scenario 0.2900 MYR, optimistic scenario 0.3500 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Pappajack Bhd (0242)?
Pappajack Bhd reported trailing-twelve-month revenue of about 142M MYR (latest available figure, as of Nov 8, 2026).
Does Pappajack Bhd pay a dividend?
Pappajack Bhd currently shows a dividend yield of 2.22% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Pappajack Bhd (0242) and when is the ex-dividend date?
Pappajack Bhd pays a dividend of 0.02 MYR per share a year, a dividend yield of 2.2%. The last ex-dividend date was Oct 15, 2026. The payout ratio is 50.0% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of Pappajack Bhd (0242)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pappajack Bhd it is 0.3100 MYR per share (as of Nov 8, 2026), against a price of 0.9000 MYR. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Pappajack Bhd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, 0242 trades above its calculated fair value: price 0.9000 MYR, fair value 0.3100 MYR, a gap of about −66% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0242?
No. The price is what the market pays today (0.9000 MYR); the fair value is what the company's own numbers justify (0.3100 MYR). For Pappajack Bhd the two are 0.5900 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Pappajack Bhd worth?
The market values Pappajack Bhd at about 690M MYR (market capitalisation, as of Nov 8, 2026). Per share that is 0.9000 MYR; our models calculate a fair value of 0.3100 MYR per share.
What do the bullish and bearish scenarios say about 0242?
Our models span a range for Pappajack Bhd: cautious scenario 0.2900 MYR, base 0.3100 MYR, optimistic 0.3500 MYR per share (as of Nov 8, 2026, price 0.9000 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0242?
Pappajack Bhd trades at a price-to-earnings ratio of 22.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.3100 MYR is built from several models across several years. Other multiples: P/B 2.5, P/S 4.9, EV/EBITDA 11.3.
How solid is the balance sheet of Pappajack Bhd (0242)?
Balance-sheet figures for Pappajack Bhd (as of Nov 8, 2026): return on equity 11.4%, debt of 0.00 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is 0242 from its 52-week high?
Pappajack Bhd trades at 0.9000 MYR, about 6% below its 52-week high of 0.9571 MYR and 2% above the low of 0.8800 MYR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 0.3100 MYR is for.
Which stocks are comparable to Pappajack Bhd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pappajack Bhd stock attractive at the current price?
The data as of Nov 8, 2026: price 0.9000 MYR, calculated fair value 0.3100 MYR (−66%), Quality Score 49/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0242 calculated?
We run Pappajack Bhd through 9 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 0.3100 MYR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Pappajack Bhd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pappajack Bhd (0242)?
The closing price on Nov 6, 2026 was 0.9000 MYR. Our model-based fair value is 0.3100 MYR, about 66% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pappajack Bhd right now?
The price sits above even our optimistic bull case (0.3500 MYR). The favourable scenario is already priced in. Weak quality (49/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Pappajack Bhd
How large is the market capitalisation of Pappajack Bhd (0242)?
The market capitalisation of Pappajack Bhd is 690M MYR (≈ $170M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Pappajack Bhd (0242)?
The price-to-sales ratio of Pappajack Bhd is 4.85 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pappajack Bhd (0242)?
Earnings per share at Pappajack Bhd are 0.0400 MYR (price ÷ EPS = P/E 22.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Pappajack Bhd (0242)?
The dividend yield of Pappajack Bhd is 2.2% (payout 50.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Pappajack Bhd (0242)?
The net margin of Pappajack Bhd is 22.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Pappajack Bhd (0242)?
The return on equity (ROE) of Pappajack Bhd is 11.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Pappajack Bhd (0242)?
On an EBIT basis the return on assets of Pappajack Bhd is 9.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pappajack Bhd (0242)?
The operating margin of Pappajack Bhd is 39.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pappajack Bhd (0242)?
Revenue at Pappajack Bhd is growing +15.4% versus a year earlier (3y avg +24.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pappajack Bhd (0242)?
Earnings per share at Pappajack Bhd are growing +21.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Pappajack Bhd (0242) generate?
The free cash flow of Pappajack Bhd is −61.7M MYR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Pappajack Bhd (0242) carry?
The net debt of Pappajack Bhd is 95.1M MYR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 8, 2026