Pappajack Bhd (0242) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Pappajack Bhd MYR 0.31, price MYR 0.92, upside -66.3%, quality 46 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
54‑month range 0.3799 MYR – 1.05 MYR · fair‑value band 0.2900 MYR – 0.3400 MYR · the 0.9200 MYR price screens above the 0.3100 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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 0.9200 MYR, while our model-based Fair Value estimate is 0.3100 MYR, implying the stock looks roughly 196.7% overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 1.18 MYR per share, and 2 of the 9 models we run sit above the 0.9200 MYR price.
Bear case: the Dividend Discount group reads lowest at 0.1700 MYR, and 7 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.2900 MYR (bear) to 0.3400 MYR (bull), the price of 0.9200 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 46/100 (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 706M MYR (≈ $173M) · P/E ratio 23.0 · P/S ratio 4.81 · EPS (TTM) 0.0400 MYR · Dividend yield 2.0% · Net margin 20.9% · Return on equity 11.1% · Return on assets (EBIT) 9.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 4% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −66%, 0242 screens richer than that median.
Fair Value models
Bear 0.2900 MYRFair Value 0.3100 MYRBull 0.3400 MYR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.0162 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.Evidence ⓘEvidence = 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.
+31.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.2%
Dividend (yield on the price)2.0%
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 · 331 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score45 · Below median
Fair Value upside−66% · Bottom 25%
Profitability
Return on equity (TTM)11% · Above median
Return on assets8% · Top 25%
Net margin (TTM)22% · Above median
Operating margin (TTM)40% · Above median
Growth and dividend
Revenue growth10% · Above median
Dividend yield (TTM)2.0% · Below median
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)23.0× · Pricier than median
P/B0.62× · Cheaper than median
P/S (TTM)1.26× · Cheaper than median
EV/EBITDA2.9× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 49
FUTURE (revenue growth)51· sector 36
PAST (return on equity)45· sector 32
HEALTH (low debt)100· sector 59
DIVIDEND (yield)39· sector 68
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 Sep 24, 2026, our model estimates a fair value of 0.3100 MYR versus a price of 0.9200 MYR, about −66% upside (overvalued).
What is the fair value of 0242?
Our model-based fair value for Pappajack Bhd is 0.3100 MYR (as of Sep 24, 2026), built from audited fundamentals. The current price: 0.9200 MYR.
What is the quality score of 0242?
Pappajack Bhd has a Quality Score of 46/100. 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 Sep 24, 2026) from 9 valuation models. Cautious scenario 0.2900 MYR, optimistic scenario 0.3400 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% upside versus a price of 0.9200 MYR (overvalued). Cautious scenario 0.2900 MYR, optimistic scenario 0.3400 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 137M MYR (latest available figure, as of Sep 24, 2026).
Does Pappajack Bhd pay a dividend?
Pappajack Bhd currently shows a dividend yield of about 1.96% relative to its recent price (as of Sep 24, 2026).
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 Sep 24, 2026), against a price of 0.9200 MYR. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Pappajack Bhd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0242 trades above its calculated fair value: price 0.9200 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 (0.9200 MYR); the fair value is what the company's own numbers justify (0.3100 MYR). For Pappajack Bhd the two are 0.6100 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 706M MYR (market capitalisation, as of Sep 24, 2026). Per share that is 0.9200 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 0.3400 MYR per share (as of Sep 24, 2026, price 0.9200 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 23.0 (as of Sep 24, 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 0.6, P/S 1.3, EV/EBITDA 2.9.
How solid is the balance sheet of Pappajack Bhd (0242)?
Balance-sheet figures for Pappajack Bhd (as of Sep 24, 2026): return on equity 11.1%, debt of 0.00 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is 0242 from its 52-week high?
Pappajack Bhd trades at 0.9200 MYR, about 4% below its 52-week high of 0.9571 MYR and 4% above the low of 0.8850 MYR (as of Sep 24, 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 Sep 24, 2026: price 0.9200 MYR, calculated fair value 0.3100 MYR (−66%), Quality Score 46/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 0.3100 MYR, 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 13.2 % 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 Sep 24, 2026 was 0.9200 MYR. Our model-based fair value is 0.3100 MYR, about −66% upside (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 (0.3400 MYR). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder. 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 706M MYR (≈ $173M). 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 4.81 (P/E × margin). 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 23.0). 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 2.0% (payout 45.0%). 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 20.9% (fiscal year 2025). 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 11.1% (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 39.8% (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 +10.2% 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 +44.6% 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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