# WELLCHIP - WELL CHIP GROUP BERHAD (5325.KL)

Stock code 5325 · Yahoo ticker 5325.KL · Sector: Financial Services

Overall fundamentals score: 71/100 (Okay). Top 17% of scored stocks.

## Pillar scores

| Pillar | Score | Status |
|---|---|---|
| Business Strength | 100/100 | Strong |
| Financial Safety | 83/100 | Strong |
| Cash & Dividends | 25/100 | Weak |
| Price Fairness | 83/100 | Strong |
| Risk | 67/100 | Okay |

## Every measure

WELLCHIP (5325.KL): Overall score: 71/100 (Okay)

Business Strength: 100/100 (Strong)
Return on Equity (ROE) 20% - Strong
4-Year Revenue Growth +13%/yr - Strong
4-Year Profit Growth +40%/yr - Strong
Net Profit Margin 34% - Strong
Quarterly Momentum +27% - Strong

Financial Safety: 83/100 (Strong)
Debt-to-Equity 1× - Okay
Current Ratio 1.8× - Strong
Interest Coverage 340.7× - Strong

Cash & Dividends: 25/100 (Weak)
Dividend Quality 4% - Okay
Operating Cash Flow Negative recently - Weak
Free Cash Flow Negative recently - Weak
Cash & Cash Equivalents Partly healthy - Okay

Price Fairness: 83/100 (Strong)
P/E Ratio 7.7× - Strong
P/B Ratio 1.3× - Okay
PEG Ratio 0.2 - Strong

Risk: 67/100 (Okay)
Earnings Consistency Steady - Strong
Debt Trend (4yr) Rising - Weak
Share Count Trend (4yr) +0%/yr - Strong
Inventory vs Sales (4yr) -14.8 pp/yr vs sales - Strong
Asset Turnover Trend (4yr) -35.3% - Weak
Quarterly Consistency 0 of 4 quarters down - Strong

## Common questions

### What is WELLCHIP's fundamentals score?

WELLCHIP (5325.KL) scores 71/100 (Okay) on Score Your Stock's educational fundamentals model: in the top 17% of 1120 scored Bursa Malaysia stocks.

### Which pillar is WELLCHIP strongest and weakest on?

Its strongest pillar is Business Strength (100/100); its weakest is Cash & Dividends (25/100).

### How does WELLCHIP rank against its sector?

WELLCHIP ranks #12 of 38 scored Financial Services stocks on Score Your Stock.

### Does WELLCHIP pay dividends?

Yes. WELLCHIP (5325.KL) has a dividend yield of 4.4%, from dividends with an ex-date in the last 12 months. It pays out 31% of its profit as dividends. That payout is at least 3 times its best earlier year, so it is likely a one-off rather than a regular dividend. Its Cash & Dividends pillar scores 25/100.

### How do I buy WELLCHIP shares?

Open a trading account and a CDS account with any Bursa Malaysia broker, then place a buy order for 5325.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.

### How is this score calculated?

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.

### What is WELLCHIP (5325.KL), in plain English?

Runs pawnshops and gold jewellery outlets across Malaysia, lending against gold and diamonds and selling jewellery too. On Score Your Stock's fundamentals check, it scores 71/100, rated Okay. Its biggest strength is Business Strength (100/100); its main watch-out is Cash & Dividends (25/100). Shares currently cost about 8 years of its current profit to buy (P/E 7.7×). Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/klse/5325-wellchip

Market data as of 18 Oct 2026.
Full page with charts and explanations: https://scoreyourstock.com/stocks/klse/5325-wellchip
Educational tool, not investment advice. Data isn't real-time.