Malayan Banking Bhd (1155) Fair Value & Analysis
Financial Services · MY · Market cap 135B MYR (≈ $33.5B) · ISIN MYL1155OO000
What is Malayan Banking Bhd really worth?
A solid business, currently priced close to our fair value of 10.68 MYR.
Strengths
Risks
For context
Fair value as of: Aug 20, 2026
From 6 valuation models · updated 16 days ago
Share price −2.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 20, 2026.
How to read this chart
60‑month range 5.69 MYR – 12.03 MYR · fair‑value band 8.01 MYR – 13.35 MYR · the 10.56 MYR price screens below the 10.68 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 20, 2026.
Analysis
Malayan Banking Bhd (1155) currently trades at 10.56 MYR, while our model-based Fair Value estimate is 10.68 MYR, implying the stock looks roughly 1.1% fairly valued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 10.82 MYR per share, and 3 of the 6 models we run sit above the 10.56 MYR price. Bear case: the Asset-Based group reads lowest at 5.18 MYR, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Malayan Banking Bhd generated revenue of 28.5B MYR at a net margin of 36.5%. Revenue declined 5.4% year over year. It earns a return on equity of 11.3%. Net debt stands at 80.9B MYR. Fundamentals as of Aug 20, 2026
Our scenario range runs from 8.01 MYR (bear case) to 13.35 MYR (bull case); at 10.56 MYR, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 13% below its 52-week high and 19% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 1%, 1155 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 0.1556 MYR per share, which is 1.5 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples (10.82 MYR) versus Asset-Based (5.18 MYR). Highest evidence: Residual Income (75).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 62
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Malayan Banking Berhad provides commercial banking and related financial products and services. The company operates in three segments: Group Community Financial Services, Group Global Banking, and Group Insurance and Takaful.
Full company description
Malayan Banking Berhad provides commercial banking and related financial products and services. The company operates in three segments: Group Community Financial Services, Group Global Banking, and Group Insurance and Takaful. It offers savings and fixed deposits, and current accounts; and housing and personal loans, project financing, overdrafts, and trade financing, as well as remittance services. The company also provides credit cards; bancassurance products; hire purchase, unit trust, cash management, custodian, and trustee services; and treasury activities and services, including foreign exchange, money market, derivatives, and trading of capital market. In addition, it offers investment banking and securities broking services comprising corporate advisory, bond and equity issuance, syndicated acquisition advisory, debt restructuring advisory, and share and futures dealings; and asset and fund management services, including a range of conventional and Islamic investment solutions. Further, the company underwrites general and life insurance businesses, offshore investment life insurance business, and general and family takaful businesses; and offers offshore and Islamic banking, multi-financing, bureau, corporate finance, property leasing and trading, nominee, property investment, business/economic consultancy and advisory, IT shared and development, financial and investment advisory, research, and leasing and factoring services, as well as business management consultancy/support services. It serves individuals, corporates, financial institutions, government, institution, and commercial customers, as well as micro, small and medium enterprises in Malaysia, Singapore, Indonesia, the Philippines, Brunei Darussalam, the People's Republic of China, Hong Kong SAR, Vietnam, the United Kingdom, the United States of America, Cambodia, Laos, Myanmar, Labuan Offshore, and Thailand. The company was incorporated in 1960 and is headquartered in Kuala Lumpur, Malaysia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Malayan Banking Bhd reported revenue of 50.7B MYR in FY2025 versus 29.0B MYR in FY2021, a compound +14.9%/yr. Reported net income was 10.5B MYR in FY2025, compounding +6.8%/yr from FY2021.
of which total revenue +5.8 % · buybacks/dilution −2.5 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1071 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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