PPJACK PAPPAJACK BERHAD
PPJACK scores 52/100 on fundamentals: in the top 45% of 1120 scored Bursa Malaysia stocks. Its strongest area is Business Strength (90/100); its weakest is Cash & Dividends (0/100). It carries 1 warning flag: Weak Spot.
- Carries a Weak Spot flag
Nearby peers
Ranks #29 of 38 in Financial Services by score
One-Minute Summary
Why PPJACK scores 52
A financially strong, expensively priced stock with healthy growth, but cash & dividends needs attention.
After Jun '26 results: 58 → 58See all movers →
Business Strength
90Why 90?
Show 3 charts
Net Profit & Equity, with ROE
Revenue & Net Profit, with Net Margin
Sales grew about 30.1% over 4 years: customers keep spending more with this company.
Profit climbed about 61.5% over 4 years: the business keeps more money as it grows.
Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)
Sales grew about 30.2% over the last 8 quarters: customers keep spending more with this company.
Profit grew about 30.8% over the last 8 quarters: the business is keeping more of what it earns.
Financial Safety
83Why 83?
Show 2 charts
Debt vs Equity, with D/E ratio
Borrowings grew about 393.5% over 4 years: watch this; rising debt adds pressure in bad times.
Short-term assets vs bills, with Current Ratio
Cash & DividendsLowest pillar
0Why 0?
Show 3 charts
Operating vs Free Cash Flow
Cash flow has been weak or negative recently: the business is burning cash, not building it.
Cash vs Total Debt
Dividends per Share, with Yield
Dividends per share have been maintained or raised: management shares the rewards with you.
Price Fairness
17Why 17?
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Score vs Share Price
The share price has been roughly flat over the past year.
What happened, and how the price moved
- 17 Jul 2026Ex-dividend 0.50 sen a share0.6% yield at that priceWeek▲1.1%KLCI +2.4%Month0.0%KLCI +2.6%
- 13 May 2026Pawnbroker Pappajack’s 1Q net profit hits all-time high on better profit margins · The Edge MalaysiaScore 62 → 58Week▼1.1%KLCI −0.4%Month▲1.7%KLCI −3.1%
- 12 Mar 2026Ex-dividend 0.25 sen a share0.3% yield at that priceWeek▼0.2%KLCI −1.1%Month▼0.2%KLCI −1.3%
- 9 Dec 2025Ex-dividend 0.50 sen a share0.6% yield at that priceWeek▲0.6%KLCI +1.3%Month0.0%KLCI +3.3%
- 24 Nov 2025Pawnshop operator Pappajack posts record quarterly earnings, declares 0.5 sen dividend · The Edge MalaysiaWeek▲0.6%KLCI −0.8%Month▲1.1%KLCI +3.0%
Risk
67Why 67?
Show chart
Revenue vs Inventory, with Inventory % of Revenue
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PPJACK (0242.KL) scores 52/100 (Okay) on Score Your Stock's educational fundamentals model: in the top 45% of 1120 scored Bursa Malaysia stocks.
Its strongest pillar is Business Strength (90/100); its weakest is Cash & Dividends (0/100).
PPJACK ranks #29 of 38 scored Financial Services stocks on Score Your Stock.
Yes. PPJACK (0242.KL) has a dividend yield of 1.4%, from dividends with an ex-date in the last 12 months. It pays out 30% of its profit as dividends. Its Cash & Dividends pillar scores 0/100.
Open a trading account and a CDS account with any Bursa Malaysia broker, then place a buy order for 0242.KL in lots of 100 shares. Broker fees for the same trade differ a lot between brokers: compare them for your trade size at https://scoreyourstock.com/tools/brokerage-fee-calculator.
The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk (for banks, Financial Safety checks impaired loans, loan loss coverage and the CET1 capital ratio instead of debt and liquidity). Full methodology, the default weights, and how to set your own: https://scoreyourstock.com/how. This is an educational tool, not investment advice.
Runs around 41 pawnshops across Malaysia, lending against gold, jewellery and watches. On Score Your Stock's fundamentals check, it scores 52/100, rated Okay. Its biggest strength is Business Strength (90/100); its main watch-out is Cash & Dividends (0/100). Shares currently cost about 21 years of its current profit to buy (P/E 21.0×). It also pays back about 1.4% of the share price as dividends each year. Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/klse/0242-ppjack
Full Financial History
Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.
| Financial Year | Revenue | Net Profit | Operating Cash Flow | Free Cash Flow | CapEx | Cash | Total Debt | Short-Term Debt | Equity | Current Assets | Current Liabilities | Total Assets | Total Liabilities | Inventory | Dividends | Return on Equity (ROE) | Net Profit Margin | Debt-to-Equity | Current Ratio | Interest Coverage | Dividend Payout Ratio | Div yield | P/E Ratio | P/B Ratio | PEG Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | RM 142.3m | RM 32.3m | RM -73.2m | RM -76.5m | RM -3.4m | RM 25.9m | RM 190.0m | RM 171.1m | RM 293.7m | RM 456.8m | RM 178.6m | RM 489.4m | RM 195.7m | RM 5.0m | - | 11% | 23% | 0.7× | 2.6× | 6.7× | 30% | - | - | - | - |
| 2025 | RM 133.7m | RM 28.0m | RM -46.0m | RM -51.2m | RM -5.2m | RM 22.4m | RM 135.5m | RM 116.9m | RM 278.0m | RM 383.2m | RM 121.9m | RM 416.0m | RM 138.0m | RM 4.2m | RM 1.5m | 10% | 21% | 0.5× | 3.1× | 8.7× | 41% | 2% | 24.3× | 2.5× | 0.6 |
| 2024 | RM 117.9m | RM 24.0m | RM -18.0m | RM -20.3m | RM -2.3m | RM 18.4m | RM 41.4m | RM 30.5m | RM 262.3m | RM 287.6m | RM 33.9m | RM 305.2m | RM 42.9m | RM 5.1m | RM 1.0m | 9% | 20% | 0.2× | 8.5× | 15.3× | 32% | 1% | 29.7× | 2.7× | 0.6 |
| 2023 | RM 109.4m | RM 20.0m | RM -13.0m | RM -15.1m | RM -2.1m | RM 49.8m | RM 38.5m | RM 30.1m | RM 245.3m | RM 272.0m | RM 34.4m | RM 286.3m | RM 41.0m | RM 5.8m | RM 0.5m | 8% | 18% | 0.2× | 7.9× | 13.6× | 19% | 1% | 38.8× | 3.2× | 0.4 |