Malayan Banking Berhad
Malayan Banking Berhad Fundamental Analysis
Malayan Banking Berhad (MLYNF) shows strong financial fundamentals with a PE ratio of 11.78, profit margin of 22.69%, and ROE of 11.11%. The company generates $45.7B in annual revenue with strong year-over-year growth of 84.54%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 62.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze MLYNF's fundamental strength across five key dimensions:
Efficiency Score
WeakMLYNF struggles to generate sufficient returns from assets.
Valuation Score
ModerateMLYNF shows balanced valuation metrics.
Growth Score
ModerateMLYNF shows steady but slowing expansion.
Financial Health Score
ModerateMLYNF shows balanced financial health with some risks.
Profitability Score
ModerateMLYNF maintains healthy but balanced margins.
Key Financial Metrics
Is MLYNF Expensive or Cheap?
P/E Ratio
MLYNF trades at 11.78 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, MLYNF's PEG of 2.57 indicates potential overvaluation.
Price to Book
The market values Malayan Banking Berhad at 1.32 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.82 times EBITDA. This is generally considered low.
How Well Does MLYNF Make Money?
Net Profit Margin
For every $100 in sales, Malayan Banking Berhad keeps $22.69 as profit after all expenses.
Operating Margin
Core operations generate 30.69 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.11 in profit for every $100 of shareholder equity.
ROA
Malayan Banking Berhad generates $0.97 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Malayan Banking Berhad generates strong operating cash flow of $14.08B, reflecting robust business health.
Free Cash Flow
Malayan Banking Berhad generates strong free cash flow of $13.17B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.09 in free cash annually.
FCF Yield
MLYNF converts 10.78% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.78
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
2.57
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.32
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.67
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.55
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.12
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How MLYNF Stacks Against Its Sector Peers
| Metric | MLYNF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.78 | 18.73 | Better (Cheaper) |
| ROE | 11.11% | 847.00% | Weak |
| Net Margin | 22.69% | 2562.00% | Weak |
| Debt/Equity | 0.55 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.12 | 674.76 | Weak Liquidity |
| ROA | 0.97% | -21692.00% (disorted) | Weak |
MLYNF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Malayan Banking Berhad's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
86.94%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
13.83%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
367.10%
Industry Style: Value, Dividend, Cyclical
High Growth