1. Malaysia Stocks

  2. •

    Finance

  3. •

    Major banks
Affin Bank Bhd.

Affin Bank Bhd.

MMYX:AFFIN
1.95
MYR
+0.01
(+0.52%)
10.57P/E
Nov 20Next Earn
Affin Bank Bhd.
MYX:AFFIN
(Bursa Malaysia)

Recent

price

1.95

P/E

ratio

10.57

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
MYR
0.82
0.82
0.9
0.9
1
0.88
0.74
0.76
0.93
0.92
1.08
0.4
0.91
0.79
0.9
0.97
1.02
Revenue per Share
0.29
0.3
0.38
0.39
0.33
0.18
0.26
0.2
0.25
0.23
0.11
0.12
0.52
0.17
0.2
0.21
0.21
Basic EPS, GAAP
1.52
0.66
-1.6
0.83
-0.55
-1.69
-0.01
-1
0.67
-2.85
0.57
0.84
0.98
0.53
-0.15
-0.58
-0.64
Free Cash Flow per Basic Share
0.06
0.14
0.11
0.13
0.16
0.03
0.09
0.06
- -
- -
0.07
0.02
0.21
0.02
0.01
- -
- -
Dividend per Share
3.12
3.35
3.62
3.82
3.87
4.04
2.83
4.03
4.23
4.45
4.36
4.41
4.43
4.49
4.58
4.82
4.71
Book Value per Share
2.51
2.74
3.02
3.22
3.08
3.25
2.75
3.59
3.79
4.02
3.95
4.01
4.17
4.22
4.28
4.52
4.41
Tangible Book Value per Share
1,669
1,669
1,669
1,669
1,812
2,051
1,783
2,051
2,051
2,094
2,127
4,456
2,288
2,437
2,508
2,534
2,539
Basic Weighted Avg Shares
1,365
1,373
1,504
1,507
1,810
1,801
1,321
1,556
1,899
1,916
2,292
1,795
2,077
1,933
2,265
2,455
2,584
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4
31
29
27
38
43
24
32
52
95
106
102
96
109
126
137
145
Depreciation Expense
489
508
629
650
593
369
464
418
503
488
230
527
1,179
402
510
540
536
Net Income, GAAP
22.51
28.37
24.56
24.76
25.82
26.4
23
23.4
22.34
24.38
30.78
18
67.4
23.08
27.98
28.99
28.47
Effective Tax Rate (%)
35.79
36.99
41.81
43.14
32.74
20.5
35.15
26.85
26.49
25.46
10.05
29.35
56.74
20.8
22.51
22.01
20.73
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
392
670
972
972
972
1,306
1,305
2,036
3,054
3,666
3,396
3,340
2,583
3,355
3,844
6,203
7,749
LT Debt
5,201
5,592
6,045
6,377
7,972
8,327
5,804
8,329
8,741
9,397
9,637
9,934
10,629
11,109
11,601
12,219
12,373
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.84
9.41
10.81
10.47
8.28
4.55
6.59
5.94
5.94
5.42
2.44
5.42
11.49
3.7
4.49
4.54
4.4
Return on Common Equity (%)

Capital Structure

MYR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,534
2,534
2,626
Market Capitalization
5,955
6,259
5,857

Working Capital

MYR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7,905
4,877
6,313
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

MYR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.26%
4.87%
5.32%
Free Cash Flow
1,084.21%
55.37%
279.42%
Net Income, GAAP
19.96%
43.86%
5.98%
Sales/Revenue/Turnover
4.63%
2.52%
8.4%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

MYR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
505
528
648
584
2,265
2025
543
628
587
696
2,455
2026
653
647
- -
- -
- -

Quarterly Earnings Per Share

MYR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
0.05
0.06
0.05
0.2
2025
0.05
0.06
0.06
0.05
0.21
2026
0.05
0.05
- -
- -
- -

Quarterly Dividends Per Share

MYR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.01
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Similar Companies
HDFC Bank Limited (NSE:HDFCBANK)
Bank of America Corporation (NYSE:BAC)
JP Morgan Chase & Co. (NYSE:JPM)
Axis Bank Limited (NSE:AXISBANK)
Kotak Mahindra Bank Limited (NSE:KOTAKBANK)
Banco Santander, S.A. (BME:SAN)
Business
AFFIN Bank Berhad (5185.KL) operates as a financial holding company providing a comprehensive range of banking and financial services to retail, corporate, and institutional clients in Malaysia. The bank offers deposits, loans, credit cards, personal financing, mortgages, overdrafts, and trade financing through its community, enterprise, and corporate banking segments; treasury services including foreign exchange, money market operations, and derivatives; investment banking via its subsidiary Affin Hwang Investment Bank Berhad encompassing securities brokerage, asset management, underwriting, and advisory; Shariah-compliant products through wholly owned Affin Islamic Bank Berhad; and money broking services via Affin Moneybrokers Sdn Bhd, with affiliated general and life insurance offerings from Generali Insurance Malaysia Berhad and Generali Life Insurance Malaysia Berhad. Headquartered at Menara AFFIN in the Tun Razak Exchange, Kuala Lumpur, and founded in 1975, AFFIN Bank maintains a network of 145 branches nationwide as of September 2025. Recent strategic developments include the proposed acquisition of Pheim Asset Management Sdn Bhd for RM50 million in cash announced on November 20, 2025, to bolster its wealth management and asset management capabilities, with Pheim becoming a wholly owned subsidiary. Affin Hwang Investment Bank Berhad signed a memorandum of understanding with Daiwa Securities Group Inc. on November 19, 2025, to deepen cooperation in wealth management for high-net-worth clients across Asia. The bank entered a strategic partnership with TH Properties in early 2025 to launch flexible home financing solutions like AFFIN Home Step Fast/-i targeting young homebuyers in key developments. Under its AX28 transformation programme, AFFIN Bank targets branch expansion to 146 by end-2025 and 180 by 2028, with focus on Penang, Johor, Sarawak, and Sabah; development of private banking for ultra-high-net-worth individuals; and a new digital banking platform, aiming for RM1.8 billion pre-tax profit and 12% return on equity by 2028. Ownership changes feature Sarawak Government's SG Assetfin Holdings Sdn Bhd increasing its stake to over 50% following purchases from Boustead Holdings in late 2024.