Public Bank Berhad
Public Bank Berhad Fundamental Analysis
Public Bank Berhad (PBLOF) shows strong financial fundamentals with a PE ratio of 9.98, profit margin of 29.73%, and ROE of 12.37%. The company generates $24.2B in annual revenue with strong year-over-year growth of 78.97%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 65.7/100 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 PBLOF's fundamental strength across five key dimensions:
Efficiency Score
WeakPBLOF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPBLOF trades at attractive valuation levels.
Growth Score
ModeratePBLOF shows steady but slowing expansion.
Financial Health Score
ModeratePBLOF shows balanced financial health with some risks.
Profitability Score
ModeratePBLOF maintains healthy but balanced margins.
Key Financial Metrics
Is PBLOF Expensive or Cheap?
P/E Ratio
PBLOF trades at 9.98 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PBLOF's PEG of 0.03 indicates potential undervaluation.
Price to Book
The market values Public Bank Berhad at 1.22 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.39 times EBITDA. This is generally considered low.
How Well Does PBLOF Make Money?
Net Profit Margin
For every $100 in sales, Public Bank Berhad keeps $29.73 as profit after all expenses.
Operating Margin
Core operations generate 39.66 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.37 in profit for every $100 of shareholder equity.
ROA
Public Bank Berhad generates $1.29 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Public Bank Berhad produces operating cash flow of $3.67B, showing steady but balanced cash generation.
Free Cash Flow
Public Bank Berhad generates strong free cash flow of $3.50B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.18 in free cash annually.
FCF Yield
PBLOF converts 4.86% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.98
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.03
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.22
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.98
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.22
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.05
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.10
vs 25 benchmark
How PBLOF Stacks Against Its Sector Peers
| Metric | PBLOF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.98 | 18.73 | Better (Cheaper) |
| ROE | 12.37% | 847.00% | Weak |
| Net Margin | 29.73% | 2562.00% | Weak |
| Debt/Equity | 0.22 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.05 | 674.76 | Weak Liquidity |
| ROA | 1.29% | -21692.00% (disorted) | Weak |
PBLOF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Public Bank Berhad's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
164.01%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
62.16%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
1080.15%
Industry Style: Value, Dividend, Cyclical
High Growth