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AFFIN Bank Berhad (5185.KL)
Kuala Lumpur, MY
AFFIN Bank Berhad operates as a financial holding company, delivering a comprehensive array of banking services throughout Malaysia. Its business activities are organized into four primary divisions: Commercial Banking, Investment Banking, Insurance, and Other services. The Commercial Banking segment serves both individual and corporate clients. For personal banking, it provides savings and fixed deposit accounts, remittance services, current accounts, vehicle and housing loans, hire purchase options, overdrafts, personal loans, credit cards, unit trusts, and bancassurance/bancatakaful products. For corporates, public sector entities, and small and medium-sized enterprises (SMEs), this segment offers long-term and project financing, overdrafts, trade financing, and other fee-based services, including Islamic banking solutions. Through its Investment Banking division, AFFIN Bank specializes in advisory services for private debt securities and corporate finance, structuring mergers and acquisitions, facilitating capital raising through equity and debt instruments, and assisting with corporate and debt restructuring. This segment also delivers structured lending solutions for corporate finance and capital market endeavors, granting clients access to various funds and capital market investment products. Additionally, it offers stock-broking services for institutional and retail investors across local and foreign exchanges, alongside investment management and research capabilities. The Insurance segment focuses on underwriting various types of general and life insurance policies. The "Others" segment includes services such as money-broking, property management, share nominee, and trustee services. AFFIN Bank Berhad was founded in 1975 and is headquartered 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.83% | -1.24% | -5.18% | -12.18% | +5.78% | +1.28% | -11.52% | +25.26% | +47.83% | +10.70% | -20.93% |
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 | 0 | 0 |
| Buy | 3 | 0 |
| Hold | 6 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+2.2% Q1'26: +15.2% (vs Q1'25)
-
EPS growth+0.0% Q1'26: +3.1% (vs Q1'25)
-
FCF margin— Q1'26: -188.2% (vs Q1'25)
-
EBIT margin— Q1'26: +14.4% (vs Q1'25)
-
ROIC— Q1'26: +1.3% (vs Q1'25)
-
Share dilution+7.0% Q1'26: +5.9% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 39.10× (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 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 7 Rev. Ana. 9 EPS Ana. |
Dec 2027 8 Rev. Ana. 9 EPS Ana. |
Dec 2028 6 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|
| Revenue |
3.80B
est: 2.05B (+85.5%)
|
4.44B
est: 2.23B (+98.7%)
|
4.54B
est: 2.39B (+90.1%)
|
2.65B
2.61B – 2.73B
+10.9% YoY
|
2.85B
2.76B – 3.00B
+7.8% YoY
|
3.07B
3.00B – 3.21B
+7.8% YoY
|
| EBITDA |
631.81M
est: 351.11M (+79.9%)
|
833.91M
est: 401.38M (+107.8%)
|
869.50M
est: 428.76M (+102.8%)
|
475.39M
468.88M – 490.85M
+10.9% YoY
|
512.34M
496.01M – 539.28M
+7.8% YoY
|
552.13M
539.35M – 575.83M
+7.8% YoY
|
| EBIT |
522.89M
est: 285.81M (+83.0%)
|
707.74M
est: 333.27M (+112.4%)
|
756.70M
est: 356.00M (+112.6%)
|
394.72M
389.31M – 407.55M
+10.9% YoY
|
425.40M
411.84M – 447.77M
+7.8% YoY
|
458.44M
447.83M – 478.12M
+7.8% YoY
|
| Net Income |
402.19M
est: 488.79M (-17.7%)
|
509.70M
est: 545.78M (-6.6%)
|
540.19M
est: 569.31M (-5.1%)
|
575.71M
531.03M – 619.15M
+1.1% YoY
|
655.32M
601.17M – 697.61M
+13.8% YoY
|
731.44M
709.45M – 772.27M
+11.6% YoY
|
| SGA |
181.79M
est: 113.04M (+60.8%)
|
193.42M
est: 145.03M (+33.4%)
|
514.11M
est: 154.92M (+231.8%)
|
171.77M
169.42M – 177.36M
+10.9% YoY
|
185.13M
179.22M – 194.86M
+7.8% YoY
|
199.50M
194.88M – 208.07M
+7.8% YoY
|
| EPS |
0.18
est: 0.20 (-11.8%)
|
0.21
est: 0.21 (-1.1%)
|
0.22
est: 0.22 (-0.7%)
|
0.22
0.21 – 0.24
+1.1% YoY
|
0.26
0.23 – 0.27
+13.8% YoY
|
0.28
0.28 – 0.30
+11.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-25 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-22 | B | 3/5 | 4/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-21 | B- | 3/5 | 4/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-20 | B- | 3/5 | 4/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-19 | B | 3/5 | 4/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-18 | B | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-15 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-14 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-13 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-12 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-11 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-08 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Emerging Markets Small-Cap ETF EEMS | 0.03% | 98.5K | 0.72% |
| 2 | iShares MSCI AC Far East ex-Japan Small Cap UCITS ETF ISFE.L | 0.02% | 17.0K | 0.74% |
| 3 | iShares MSCI EM Small Cap UCITS ETF IEMS.L | 0.02% | 54.1K | 0.74% |
| 4 | State Street SPDR MSCI Emerging Markets Small Cap UCITS ETF EMSD.L | 0.01% | 54.5K | 0.55% |
| 5 | Dimensional - Emerging Markets Value ETF DFEV | 0.01% | 165.2K | 0.46% |
| 6 | Avantis Responsible Emerging Markets Equity ETF AVSE | 0.01% | 16.3K | 0.33% |
| 7 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.01% | 19.2K | 0.56% |
| 8 | Avantis Emerging Markets Equity UCITS ETF USD Acc AVEM.L | 0.01% | 14.5K | 0.35% |
| 9 | Dimensional - Emerging Markets Core Equity 2 ETF DFEM | 0.00% | 427.0K | 0.39% |
| 10 | Avantis Emerging Markets ex-China Equity ETF AVXC | 0.00% | 14.7K | 0.33% |
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 |
|---|---|---|---|
| Wan Razly Abdullah Bin Wan Ali | President & Group Chief Executive Officer | 6M | male |
| Cheong Min Dang | Group Chief Risk Officer | — | male |
| Emmanuel Jean Louis Nivet | Country Head of AXA Malaysia | — | male |
| Hanif Bin Ghulam Mohammed | Executive Director of Group Treasury | — | male |
| Irwin Mohd Eusoff | Group Chief Corporate Strategy & Sustainability Officer | — | male |
| Joanne May Rodrigues | Group Chief Financial Officer | — | female |
| Adzamimah Binti Adzmi | Group Chief Compliance Officer | — | female |
| Nimma Safira Binti Khalid | Group Chief Legal Officer & Company Secretary | — | female |
| Norhazlizawati Binti Mohd Razali | Group Chief Credit Officer | — | female |
| Raja Emylia Raja Lope Ahmad | Head of Corporate Communications | — | — |
| Risham Akashah Bin Kamaruzaman | Group Chief Operating Officer | — | male |
| Wahdania Binti Mohd Khir | Group Chief Internal Auditor | — | female |
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 5185.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.
