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Public Bank Berhad (1295.KL)
Kuala Lumpur, MY
Public Bank Berhad functions as a comprehensive financial services institution, delivering a wide array of banking solutions. It provides diverse deposit options, including savings, current, and fixed accounts, foreign currency deposits, and secure safe deposit box facilities. The bank's extensive lending portfolio spans residential mortgages, various business loans (such as working capital and SME financing), project and vehicle financing, and overdraft services. Additionally, it supports credit access through its retail negotiable instruments of deposit and participates in credit guarantee schemes and central bank funding initiatives. Beyond its core banking operations, Public Bank offers Islamic finance, share brokerage, trustee and nominee services, unit trust fund sales and management, and a comprehensive suite of insurance products, which includes general, bancassurance, single premium investment-linked, family, savings, and credit life policies. Customers benefit from modern digital banking conveniences, featuring mobile, internet, and self-service platforms, alongside credit/debit card processing and international remittance services. The bank further provides various investment opportunities, such as structured products and margin financing for equities trading. Maintaining a substantial regional footprint, Public Bank Berhad operates an extensive network of branches and self-service terminals across Malaysia, Hong Kong, China, Cambodia, Vietnam, Laos, and Sri Lanka. Its primary client base consists of individual retail consumers and small to medium-sized enterprises. Established in 1966, the institution's main office is situated in Kuala Lumpur, Malaysia.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.81% | -0.20% | +4.06% | -3.75% | +13.26% | +7.27% | +8.46% | +22.98% | +14.32% | +27.15% | +2,293.00% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 12 | +1 |
| Hold | 6 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+3.9% Q1'26: +4.5% (vs Q1'25)
-
EPS growth+0.0% Q1'26: +0.3% (vs Q1'25)
-
FCF margin— Q1'26: +23.6% (vs Q1'25)
-
EBIT margin— Q1'26: +36.8% (vs Q1'25)
-
ROIC— Q1'26: +7.1% (vs Q1'25)
-
Share dilution-0.5% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 4.58× (vs Q1'25)
* 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.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 18 Rev. Ana. 19 EPS Ana. |
Dec 2027 18 Rev. Ana. 19 EPS Ana. |
Dec 2028 8 Rev. Ana. 9 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
17.39B
est: 9.36B (+85.8%)
|
18.10B
est: 9.90B (+82.8%)
|
18.61B
est: 10.59B (+75.6%)
|
19.54B
est: 11.14B (+75.5%)
|
19.96B
est: 11.06B (+80.4%)
|
18.31B
est: 11.06B (+65.5%)
|
17.70B
est: 12.43B (+42.5%)
|
19.20B
est: 13.26B (+44.8%)
|
22.08B
est: 13.36B (+65.3%)
|
23.44B
est: 13.88B (+68.9%)
|
24.35B
est: 14.61B (+66.6%)
|
15.25B
14.61B – 15.72B
+4.4% YoY
|
16.07B
15.38B – 16.63B
+5.4% YoY
|
17.01B
16.28B – 17.57B
+5.8% YoY
|
| EBITDA |
6.67B
est: 3.89B (+71.5%)
|
6.76B
est: 4.12B (+64.2%)
|
7.34B
est: 4.40B (+66.7%)
|
7.33B
est: 4.63B (+58.4%)
|
7.49B
est: 4.60B (+62.9%)
|
6.65B
est: 4.60B (+44.7%)
|
7.73B
est: 5.17B (+49.7%)
|
9.21B
est: 5.51B (+67.1%)
|
8.91B
est: 5.55B (+60.4%)
|
9.27B
est: 5.88B (+57.6%)
|
9.82B
est: 6.19B (+58.7%)
|
6.46B
6.19B – 6.66B
+4.4% YoY
|
6.81B
6.52B – 7.05B
+5.4% YoY
|
7.21B
6.90B – 7.44B
+5.8% YoY
|
| EBIT |
6.49B
est: 3.72B (+74.5%)
|
6.55B
est: 3.93B (+66.6%)
|
7.12B
est: 4.21B (+69.0%)
|
7.10B
est: 4.43B (+60.5%)
|
7.13B
est: 4.40B (+62.2%)
|
6.29B
est: 4.40B (+42.9%)
|
7.37B
est: 4.94B (+49.2%)
|
8.83B
est: 5.27B (+67.6%)
|
8.54B
est: 5.31B (+60.9%)
|
8.93B
est: 5.65B (+58.2%)
|
9.51B
est: 5.95B (+60.0%)
|
6.21B
5.95B – 6.40B
+4.4% YoY
|
6.54B
6.26B – 6.77B
+5.4% YoY
|
6.92B
6.63B – 7.15B
+5.8% YoY
|
| Net Income |
5.06B
est: 4.80B (+5.4%)
|
5.21B
est: 4.97B (+4.7%)
|
5.47B
est: 5.33B (+2.6%)
|
5.59B
est: 5.66B (-1.3%)
|
5.51B
est: 5.52B (-0.2%)
|
4.87B
est: 4.78B (+1.9%)
|
5.66B
est: 5.61B (+0.8%)
|
6.12B
est: 6.00B (+1.9%)
|
6.65B
est: 6.75B (-1.5%)
|
7.15B
est: 7.03B (+1.7%)
|
7.22B
est: 7.17B (+0.7%)
|
7.45B
7.11B – 7.73B
+4.0% YoY
|
7.86B
7.58B – 8.32B
+5.4% YoY
|
8.34B
7.88B – 8.69B
+6.1% YoY
|
| SGA |
309.11M
est: 177.19M (+74.5%)
|
360.63M
est: 187.46M (+92.4%)
|
406.04M
est: 200.60M (+102.4%)
|
394.91M
est: 210.85M (+87.3%)
|
366.67M
est: 209.50M (+75.0%)
|
327.55M
est: 209.48M (+56.4%)
|
330.32M
est: 235.29M (+40.4%)
|
425.66M
est: 250.99M (+69.6%)
|
400.48M
est: 252.88M (+58.4%)
|
417.62M
est: 272.40M (+53.3%)
|
520.35M
est: 286.87M (+81.4%)
|
299.48M
286.90M – 308.66M
+4.4% YoY
|
315.52M
301.89M – 326.45M
+5.4% YoY
|
333.93M
319.71M – 344.86M
+5.8% YoY
|
| EPS |
0.26
est: 0.25 (+5.0%)
|
0.27
est: 0.26 (+5.3%)
|
0.28
est: 0.27 (+1.9%)
|
0.29
est: 0.29 (-0.6%)
|
0.23
est: 0.28 (-19.2%)
|
0.20
est: 0.25 (-18.8%)
|
0.29
est: 0.29 (+0.3%)
|
0.32
est: 0.31 (+3.4%)
|
0.34
est: 0.35 (-2.3%)
|
0.37
est: 0.36 (+1.7%)
|
0.37
est: 0.37 (-0.3%)
|
0.39
0.37 – 0.40
+4.0% YoY
|
0.41
0.39 – 0.43
+5.4% YoY
|
0.43
0.41 – 0.45
+6.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-15 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-14 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-15 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ah Lek Tay Cha DIMP EFMIM SSAP | MD, Chief Executive Officer & Director | 63M | — |
| Chew Fung Chan | Chief Operating Officer of Corporate Banking | — | female |
| Kok Keong Lee | Senior General Manager of Credit Operations | — | male |
| Po Yen Fong | Senior Executive | — | female |
| Poh Lyn Ng | Chief Human Capital Officer | — | female |
| Shien Doon Tan | Chief Compliance Officer | — | male |
| Siew Yen Chang | Deputy Chief Executive Officer | — | female |
| Soo Loong Chong | GM of Corporate Planning, Economics & Sustainability Management | — | male |
| Sook Ling Loh | Chief Risk Officer | — | female |
| Sook Ling Yik | Chief Financial Officer | — | female |
| Sulaiman Bin Abd Manap | Deputy Chief Executive Officer | — | male |
| Then Fui Lim | Group Chief Internal Auditor | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 1295.KL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
