5325.KLSE Well Chip Group Berhad

Consumer Cyclical Luxury Goods Kuala Lumpur Exchange
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1.07 MYR
Close of Oct 29, 2026
1.01 1.62
Market cap
MYR 653M
P/E
6.7x
P/B
1.31x
ROE
20.5%
Dividend yield
3.68%
Fundamental score
4.1/5

Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.

Is 5325.KLSE undervalued?

Graham number
Price1.07
Graham value1.72
Discount37.7%

5325.KLSE trades 37.7% below its Graham number.

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

Well Chip Group Berhad fundamental analysis

19 of 22 checks passed

ROE 2/2

High return on equity (20.5%), above 20%.

ROA 1/1

Return on assets (9.4%) is above the industry median (2.5%).

Profit Consistency 2/2

Profitable for 6 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 1/1

Last year's EPS growth (72.3%) is above the 5-year average (20.7% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (72.3%) is above the industry median (2.5%).

Revenue Growth 2/2

Revenue grew 19.6% a year over the past 3 years.

Short-term Liquidity 1/1

Current assets cover short-term liabilities.

Long-term Liabilities 1/1

Current assets cover long-term liabilities.

Debt to Equity 2/2

Low debt to equity (0.8%), 40% or less.

Debt Trend 1/1

Debt to equity has not risen over the past 5 years.

Debt Coverage 0/1

Operating cash flow does not cover 20% of total debt.

Interest Coverage 1/1

EBIT is 351.2x against interest expense, well covered.

PE vs Market 1/1

PE (6.7x) is below the market median (11.4x).

PE vs Industry 1/1

PE (6.7x) is below the industry median (11.4x).

PBV 0/1

Price to book (1.3x) is above the industry median (0.7x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 8.7, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.32, growth is cheap.

Dividend Yield 1/2

Dividend yield (3.7%) is above the bottom 25% of dividend payers in the market.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 1/1

Dividends paid grew over the past 5 years.

Payout Ratio 1/1

Payout ratio is 27.9%, covered by earnings.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

About Well Chip Group Berhad

Well Chip Group Berhad, an investment holding company, engages in the provision of pawnbroking services in Malaysia. It operates in two segments, Pawnbroking Services; and Retail Trading of Jewellery and Gold. The company offers pawn loans in exchange for pledges, including gold, jewelry, and watches. It is also involved in the retail sale of new and pre-owned jewelry and gold; and sale of scrap gold acquired from unredeemed and bid pledges, and pre-owned jewelry and gold fr…

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