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Syarikat Takaful Malaysia Keluarga Berhad (6139.KL)

MYR3.20 -0.06 (-1.84%)
MY KLS Financial Services Insurance - Specialty
Address Annexe Block 50000
Kuala Lumpur, MY
CEO Nor Azman Bin Zainal
IPO 2000-01-03
ISIN MYL6139OO009

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Description

Syarikat Takaful Malaysia Keluarga Berhad operates as a provider of family and general takaful (Islamic insurance) services across Malaysia and Indonesia. The company offers a diverse array of personal protection plans, encompassing travel and general personal accident coverage (Takaful myClick Travel PA, Takaful myClick PA), term life solutions (Takaful myClick Term), and various health-related products like online medical plans (Takaful myClick MediCare), critical illness coverage (Takaful myCI), and broader medical support (Takaful myClick MediPlus). For vehicles, it supplies comprehensive motor protection (Takaful myClick Motor), flexible options for low-usage vehicles (Takaful myClick Motor FlexiSaver), and private motorcycle insurance (Takaful myClick Motorcycle). Its property and home-related offerings include mortgage protection (Takaful myMortgage), coverage for fire damage due to specified events like lightning and domestic gas explosions (Takaful myFire), comprehensive insurance for homes and their contents (Takaful myHouseowners & Householders), and specific protection for household items against various risks (Takaful myHome Content). For commercial clients, particularly small and medium-sized enterprises (SMEs), the company provides employee benefit programs (Takaful mySME Partner), guarantees for foreign worker employment (Foreign Workers Takaful Guarantee), comprehensive all-risk protection for solar panel installations (Takaful mySolar Protection), and general business solutions (Takaful mySME). Furthermore, its general takaful portfolio extends to cover employer's liability, additional employee benefits, boilers and pressure vessels, machinery breakdown, electronic equipment, contractors' and erection all risks, workmen's compensation, public liability, marine cargo, all-risks policies, burglary, fidelity guarantees, money protection, and plate glass insurance. The firm also engages in family and general retakaful operations and offers online takaful solutions. Founded in 1981, the company, initially known as Syarikat Takaful Malaysia Berhad, officially changed its name to Syarikat Takaful Malaysia Keluarga Berhad in June 2018 and 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
MYR3.20 -0.06 (-1.84%)
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Volume Profile
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Liquidity & share structure
Average Volume
505.9K
Beta
0.19
Float Shares
657.86M
Free Float %
75.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.58% -1.73% +2.41% +5.92% +0.59% +9.68% -2.58% +0.59% -23.42% -13.04% +901.44%
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
3.20
DCF (Unlevered) 66.02 +1,963.0%
DCF (Levered) 38.67 +1,108.3%

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) 83% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 5 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.86
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Specialty: +11.0%
    +165.6% Q1'26: +156.7% (vs Q1'25)
  • EPS growth Insurance - Specialty: +18.3%
    -2.2% Q1'26: +9.1% (vs Q1'25)
  • FCF margin FCF growth · Insurance - Specialty: +39.7%
    +18.5% Q1'26: +35.8% (vs Q1'25)
  • EBIT margin Insurance - Specialty: +18.3%
    +13.9% Q1'26: +14.3% (vs Q1'25)
  • ROIC Insurance - Specialty: +10.3%
    +23.8% Q1'26: +27.0% (vs Q1'25)
  • Share dilution Insurance - Specialty: +0.5%
    +4.2% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Specialty: 0.25×
    0.82× Q1'26: 0.75× (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 (0.53) × ERP
WACC = 85% × Ke + 15% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 44.80 Current price: 3.20
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 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
4 Rev. Ana.
5 EPS Ana.
Dec 2027
5 Rev. Ana.
6 EPS Ana.
Dec 2028
1 Rev. Ana.
3 EPS Ana.
Revenue
1.56B
est: 1.37B (+14.0%)
1.79B
est: 1.53B (+16.9%)
1.85B
est: 1.78B (+4.4%)
2.20B
est: 2.11B (+4.1%)
2.78B
est: 2.63B (+5.7%)
2.51B
est: 2.56B (-2.0%)
2.67B
est: 2.55B (+4.8%)
1.33B
est: 2.77B (-52.1%)
1.52B
est: 2.63B (-42.4%)
1.68B
est: 3.53B (-52.4%)
4.45B
est: 4.06B (+9.7%)
4.26B
3.99B – 4.52B
+4.8% YoY
4.65B
4.15B – 5.15B
+9.3% YoY
5.05B
4.61B – 5.48B
+8.5% YoY
EBITDA
224.20M
est: 393.00M (-43.0%)
249.85M
est: 441.34M (-43.4%)
283.99M
est: 510.81M (-44.4%)
378.85M
est: 608.29M (-37.7%)
461.28M
est: 755.74M (-39.0%)
474.52M
est: 735.80M (-35.5%)
495.47M
est: 732.24M (-32.3%)
511.40M
est: 796.28M (-35.8%)
507.64M
est: 757.40M (-33.0%)
574.89M
est: 979.57M (-41.3%)
620.59M
est: 1.13B (-45.0%)
1.18B
1.11B – 1.25B
+4.8% YoY
1.29B
1.15B – 1.43B
+9.3% YoY
1.40B
1.28B – 1.52B
+8.5% YoY
EBIT
204.21M
est: 369.97M (-44.8%)
220.98M
est: 415.47M (-46.8%)
253.65M
est: 480.87M (-47.3%)
337.00M
est: 572.64M (-41.1%)
417.74M
est: 711.45M (-41.3%)
426.82M
est: 692.68M (-38.4%)
438.70M
est: 689.33M (-36.4%)
453.10M
est: 749.61M (-39.6%)
507.64M
est: 713.01M (-28.8%)
574.89M
est: 933.52M (-38.4%)
620.59M
est: 1.07B (-42.3%)
1.13B
1.06B – 1.20B
+4.8% YoY
1.23B
1.10B – 1.36B
+9.3% YoY
1.34B
1.22B – 1.45B
+8.5% YoY
Net Income
155.98M
est: 167.46M (-6.9%)
176.28M
est: 182.95M (-3.6%)
206.70M
est: 209.89M (-1.5%)
294.92M
est: 253.54M (+16.3%)
364.84M
est: 380.97M (-4.2%)
362.42M
est: 341.94M (+6.0%)
411.42M
est: 362.03M (+13.6%)
282.86M
est: 334.45M (-15.4%)
346.91M
est: 364.23M (-4.8%)
378.15M
est: 404.11M (-6.4%)
384.72M
est: 386.03M (-0.3%)
399.46M
387.76M – 411.34M
+3.5% YoY
416.03M
396.64M – 432.78M
+4.1% YoY
427.59M
379.35M – 474.96M
+2.8% YoY
SGA
71.83M
est: 108.95M (-34.1%)
111.68M
est: 122.35M (-8.7%)
125.84M
est: 141.61M (-11.1%)
172.97M
est: 168.63M (+2.6%)
247.24M
est: 209.51M (+18.0%)
192.56M
est: 203.98M (-5.6%)
255.58M
est: 202.99M (+25.9%)
299.67M
est: 220.74M (+35.8%)
est: 209.97M (-100.0%)
est: 227.14M (-100.0%)
est: 261.55M (-100.0%)
274.16M
257.17M – 290.81M
+4.8% YoY
299.67M
267.02M – 331.78M
+9.3% YoY
325.17M
296.95M – 352.88M
+8.5% YoY
EPS
0.19
est: 0.20 (-5.0%)
0.22
est: 0.22 (+0.7%)
0.25
est: 0.25 (-0.3%)
0.36
est: 0.30 (+18.9%)
0.44
est: 0.46 (-3.3%)
0.44
est: 0.41 (+7.7%)
0.49
est: 0.43 (+13.3%)
0.34
est: 0.40 (-14.9%)
0.41
est: 0.44 (-5.7%)
0.45
est: 0.46 (-2.9%)
0.44
est: 0.44 (-0.6%)
0.46
0.44 – 0.47
+3.5% YoY
0.48
0.45 – 0.50
+4.1% YoY
0.49
0.43 – 0.54
+2.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 4/5 5/5 4/5 3/5 3/5 2/5
2026-05-28 A- 4/5 4/5 5/5 4/5 3/5 3/5 2/5
2026-05-26 A- 4/5 4/5 5/5 4/5 3/5 3/5 2/5
2026-05-25 A- 4/5 4/5 5/5 4/5 3/5 3/5 2/5
2026-05-22 A- 4/5 4/5 5/5 4/5 3/5 3/5 2/5
2026-05-21 A- 4/5 4/5 5/5 4/5 3/5 3/5 2/5
2026-05-20 A- 4/5 4/5 5/5 4/5 3/5 3/5 2/5
2026-05-19 A- 4/5 4/5 5/5 4/5 3/5 3/5 2/5
2026-05-18 A- 4/5 3/5 5/5 4/5 3/5 3/5 2/5
2026-05-15 A- 4/5 3/5 5/5 4/5 3/5 4/5 2/5
2026-05-14 A- 4/5 3/5 5/5 4/5 3/5 4/5 2/5
2026-05-13 A- 4/5 3/5 5/5 4/5 3/5 4/5 2/5
2026-05-12 A- 4/5 3/5 5/5 4/5 3/5 4/5 2/5
2026-05-11 A- 4/5 3/5 5/5 4/5 3/5 4/5 2/5
2026-05-08 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-07 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-06 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-05 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-05-04 A 4/5 3/5 5/5 5/5 3/5 4/5 2/5
2026-04-30 A- 4/5 3/5 5/5 5/5 2/5 4/5 2/5
2026-04-29 A- 4/5 3/5 5/5 5/5 2/5 4/5 2/5
2026-04-28 A- 4/5 3/5 5/5 5/5 2/5 4/5 2/5
2026-04-27 A- 4/5 3/5 5/5 5/5 2/5 4/5 2/5
2026-04-24 A- 4/5 3/5 5/5 5/5 2/5 4/5 2/5
2026-04-23 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-22 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-21 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-20 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-17 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5
2026-04-16 A 4/5 4/5 5/5 5/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
610.93M
OE per share TTM
0.70
Owner's Yield
20.60%
Maintenance CapEx ratio
79.08%
Maint CapEx / Avg PPE
11.8%

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.

ETF Ownership

Top ETFs holding this stock Held by 30 ETFs in our universe

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
443.3K
Shares Outstanding
872.18M

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
Nor Azman Zainal Group Chief Executive Officer 4M male
Mohamed Sabri Ramli Chief Executive Officer of Syarikat Takaful Malaysia Am Berhad 2M male
Kheng Chee New Group Chief Financial Officer 2M male
Shahrir Shahridan Chief Bancatakaful Officer 1M male
Redzuan Abu Head of Compliance male
Shizal Fisham Ramli Chief Governance Officer male
Azni Binti Ariffin Company Secretary female
Yassir Azlin Abdul Ghafar Chief Distribution Officer male
Intan Narqiah Othman Chief Technology Officer female
Lily Sabrina Kuang Binti Abdullah Chief People Officer female
Mohammad Fadhlee Awaludin Chief Investment Officer male
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