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AMMB Holdings Berhad (1015.KL)

MYR6.57 +0.08 (+1.23%)
MY KLS Financial Services Banks - Regional
Address Bangunan AmBank Group 50200
Kuala Lumpur, MY
CEO Fou-Tsong Ling
IPO 2000-01-03
ISIN MYL1015OO006

Explore sections of this company profile

Also trades on Malaysian Stock Exchange · 1015.KL (MYR) Other OTC · AMMHF (USD)
Description

AMMB Holdings Berhad operates as an investment holding company, delivering a comprehensive suite of financial products and services to retail, corporate, and institutional clients across Malaysia. Its banking offerings encompass various deposit accounts, including savings, current, fixed deposit, and foreign currency options. The company provides diverse lending solutions, ranging from consumer loans like auto, personal, and home financing, to business-centric facilities such as working capital, project, industrial hire purchase, asset acquisition, term, contract, and invoices and receivables financing, alongside credit guarantee schemes. Additionally, AMMB provides wealth management, priority banking, trade finance solutions, and remittance services, complemented by credit and debit card products. For its corporate customers, the group offers specialized corporate lending, offshore banking, and sophisticated cash management solutions. Its treasury division deals in a broad spectrum of products, including foreign exchange, interest rates, derivatives, commodities, fixed income instruments, and structured warrants. The investment banking arm handles capital market access, brokerage, private banking, corporate advisory, and facilitates equity and debt capital raising. Furthermore, the company delivers comprehensive asset and fund management services and various investment solutions. In the insurance sector, AMMB provides general insurance policies for motor, personal accident, property, and household risks. It also offers life insurance and Takaful products, focusing on wealth protection, savings, health and medical coverage, and family Takaful plans. Other specialized services include Islamic banking. The company actively manages investment vehicles such as unit trust funds, real estate investment trusts (REITs), and private retirement schemes, and distributes Islamic wholesale funds. It also engages in property investment, mortgage loan securitization, nominee services, and offers digital banking through internet and mobile platforms, as well as outsourcing services for mortgage-related activities. Established in 1975, AMMB Holdings Berhad is headquartered in Kuala Lumpur, Malaysia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
MYR6.57 +0.08 (+1.23%)
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Volume Profile
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Liquidity & share structure
Average Volume
6M
Beta
0.00
Float Shares
2.15B
Free Float %
65.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.82% +0.00% +5.37% +0.78% +8.91% -0.31% +21.12% +78.02% +127.37% +50.35% +0.93%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
6.57
DCF (Unlevered) 4.79 -27.1%
DCF (Levered) 0.08 -98.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 65% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 9 0
Hold 6 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.26
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    -3.5% Q1'26: -23.5% (vs Q1'25)
  • EPS growth
    +4.9% Q1'26: +0.0% (vs Q1'25)
  • FCF margin
    Q1'26: -44.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +39.9% (vs Q1'25)
  • ROIC
    Q1'26: +4.6% (vs Q1'25)
  • Share dilution
    +0.1% Q1'26: +0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 11.88× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.02) × ERP
WACC = 40% × Ke + 60% × Kd (11.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 4.77 Current price: 6.57
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2015
actual
Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
17 Rev. Ana.
15 EPS Ana.
Mar 2027
15 Rev. Ana.
15 EPS Ana.
Mar 2028
16 Rev. Ana.
14 EPS Ana.
Mar 2029
11 Rev. Ana.
6 EPS Ana.
Revenue
7.51B
est: 4.66B (+61.3%)
7.06B
est: 3.93B (+79.7%)
7.06B
est: 3.84B (+84.0%)
7.42B
est: 3.93B (+88.9%)
7.85B
est: 4.09B (+91.8%)
8.03B
est: 4.27B (+88.0%)
7.15B
est: 4.52B (+58.2%)
5.56B
est: 4.73B (+17.6%)
7.21B
est: 4.74B (+52.1%)
8.48B
est: 4.56B (+86.0%)
8.60B
est: 4.90B (+75.7%)
5.06B
4.96B – 5.21B
+3.3% YoY
5.36B
5.24B – 5.51B
+5.9% YoY
5.62B
5.32B – 5.87B
+4.7% YoY
5.92B
5.70B – 6.14B
+5.5% YoY
EBITDA
2.75B
est: 697.05M (+294.8%)
1.89B
est: 588.16M (+220.7%)
1.96B
est: 574.99M (+241.1%)
1.72B
est: 588.27M (+192.8%)
2.26B
est: 612.63M (+269.6%)
2.04B
est: 639.89M (+218.2%)
-3.22B
est: 676.75M (-575.9%)
1.79B
est: 707.59M (+153.2%)
2.44B
est: 710.01M (+244.2%)
1.86B
est: 682.39M (+172.9%)
2.73B
est: 1.50B (+82.9%)
1.55B
1.51B – 1.59B
+3.3% YoY
1.64B
1.60B – 1.68B
+5.9% YoY
1.71B
1.63B – 1.79B
+4.7% YoY
1.81B
1.74B – 1.88B
+5.5% YoY
EBIT
2.60B
est: 559.06M (+365.8%)
1.73B
est: 471.73M (+266.9%)
1.80B
est: 461.17M (+290.6%)
1.54B
est: 471.82M (+227.0%)
2.10B
est: 491.36M (+326.4%)
1.78B
est: 513.22M (+247.4%)
-3.48B
est: 542.79M (-741.8%)
1.54B
est: 567.52M (+172.0%)
2.23B
est: 569.46M (+291.4%)
1.69B
est: 547.31M (+209.5%)
2.59B
est: 1.69B (+53.0%)
1.75B
1.71B – 1.80B
+3.3% YoY
1.85B
1.81B – 1.90B
+5.9% YoY
1.94B
1.84B – 2.03B
+4.7% YoY
2.05B
1.97B – 2.12B
+5.5% YoY
Net Income
1.92B
est: 1.94B (-1.3%)
1.30B
est: 1.46B (-10.7%)
1.32B
est: 1.45B (-8.9%)
1.13B
est: 1.30B (-12.9%)
1.51B
est: 1.63B (-7.7%)
1.34B
est: 1.55B (-13.4%)
-3.83B
est: -2.90B (-31.9%)
1.50B
est: 1.45B (+3.4%)
1.71B
est: 1.70B (+0.8%)
1.87B
est: 1.74B (+7.5%)
2.00B
est: 1.95B (+2.4%)
2.10B
2.02B – 2.18B
+7.5% YoY
2.16B
2.08B – 2.32B
+2.9% YoY
2.29B
2.14B – 2.42B
+5.7% YoY
2.41B
2.30B – 2.53B
+5.7% YoY
SGA
404.73M
est: 148.47M (+172.6%)
511.62M
est: 125.28M (+308.4%)
439.15M
est: 122.47M (+258.6%)
494.25M
est: 125.30M (+294.5%)
341.52M
est: 130.49M (+161.7%)
328.26M
est: 136.29M (+140.8%)
316.68M
est: 144.15M (+119.7%)
182.87M
est: 150.71M (+21.3%)
200.34M
est: 151.23M (+32.5%)
227.42M
est: 145.35M (+56.5%)
237.84M
est: 334.99M (-29.0%)
346.11M
339.03M – 356.14M
+3.3% YoY
366.67M
358.18M – 376.79M
+5.9% YoY
384.07M
363.99M – 401.63M
+4.7% YoY
405.12M
389.70M – 420.06M
+5.5% YoY
EPS
0.64
est: 0.59 (+8.8%)
0.43
est: 0.44 (-2.6%)
0.44
est: 0.44 (+0.0%)
0.38
est: 0.39 (-3.4%)
0.50
est: 0.49 (+1.3%)
0.45
est: 0.47 (-4.0%)
-1.27
est: -0.88 (-44.6%)
0.46
est: 0.44 (+4.6%)
0.54
est: 0.51 (+5.2%)
0.56
est: 0.53 (+6.5%)
0.61
est: 0.59 (+3.3%)
0.63
0.61 – 0.66
+7.5% YoY
0.65
0.63 – 0.70
+2.9% YoY
0.69
0.65 – 0.73
+5.7% YoY
0.73
0.69 – 0.76
+5.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B 3/5 3/5 3/5 3/5 1/5 3/5 3/5
2026-05-28 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-26 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-25 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-22 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-21 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-20 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-19 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-18 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-15 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-05-14 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-05-13 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-05-12 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-05-11 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-08 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-05-07 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-05-06 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-05-05 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-05-04 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-30 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-29 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-28 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-27 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-24 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-23 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-22 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-21 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-20 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-17 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-04-16 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-04-15 A- 4/5 4/5 4/5 5/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.84B
OE per share TTM
0.86
Owner's Yield
13.23%
Maintenance CapEx ratio
12.74%
Maint CapEx / Avg PPE
5.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
318.6K
Shares Outstanding
3.31B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Fou-Tsong Ling Group Chief Executive Officer 7M male
Chiew Shia Lim Group Chief Human Resources Officer female
Elango Kuppusamy Chief Operations Officer male
Faradina Binti Mohammad Ghouse Group Chief Compliance Officer female
Huey Wen Yap Managing Director of Business Banking male
Jeroen Petrus Margarctha Maria Thijs Group Chief Risk Officer male
Nor Shazman Nor Shahid Head of Group Corporate Communications & Marketing
Phaik Gunn Koid Group Company Secretary female
Shok Cheng Phuah Group Chief Financial Officer female
Teng Wong Group Chief Fintech & Technology Officer male
Bui Anh Tu Head of FI Department male
Yeoh Ru Hann Head of Investor Relations & Group Finance
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits