AMMB Holdings Berhad Logo

AMMB Holdings Berhad

1015.KL

(3.0)
Stock Price

5,11 MYR

1.02% ROA

10.32% ROE

8.37x PER

Market Cap.

16.660.448.280,00 MYR

179.28% DER

4.48% Yield

27.17% NPM

AMMB Holdings Berhad Stock Analysis

AMMB Holdings Berhad Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

AMMB Holdings Berhad Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.72x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (38%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 ROE

The stock's ROE falls within an average range (7.45%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.67%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

7 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

8 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

9 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

10 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

11 Buffet Intrinsic Value

The company's stock appears overvalued (-3) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

AMMB Holdings Berhad Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

AMMB Holdings Berhad Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

AMMB Holdings Berhad Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

AMMB Holdings Berhad Revenue
Year Revenue Growth
2004 2.577.820.000
2005 2.864.435.000 10.01%
2006 3.180.807.000 9.95%
2007 3.366.617.000 5.52%
2008 3.270.976.000 -2.92%
2009 3.577.037.000 8.56%
2010 3.913.178.000 8.59%
2011 4.217.459.000 7.21%
2012 5.022.015.000 16.02%
2013 5.552.178.000 9.55%
2014 5.163.940.000 -7.52%
2015 4.599.137.000 -12.28%
2016 4.632.573.000 0.72%
2017 4.770.779.000 2.9%
2018 4.678.955.000 -1.96%
2019 5.022.263.000 6.84%
2020 5.279.360.000 4.87%
2021 5.070.049.000 -4.13%
2022 4.511.546.000 -12.38%
2023 4.414.160.000 -2.21%
2023 8.220.835.999 46.31%
2024 8.935.696.000 8%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

AMMB Holdings Berhad Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

AMMB Holdings Berhad General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 126.244.000 100%
2008 139.267.000 9.35%
2009 130.476.000 -6.74%
2010 134.159.000 2.75%
2011 159.259.000 15.76%
2012 195.806.000 18.66%
2013 228.548.000 14.33%
2014 252.867.000 9.62%
2015 350.509.000 27.86%
2016 286.030.000 -22.54%
2017 364.074.000 21.44%
2018 212.508.000 -71.32%
2019 190.219.000 -11.72%
2020 167.888.000 -13.3%
2021 156.384.000 -7.36%
2022 129.806.000 -20.48%
2023 128.172.000 -1.27%
2023 154.872.000 17.24%
2024 159.956.000 3.18%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

AMMB Holdings Berhad EBITDA
Year EBITDA Growth
2004 575.028.000
2005 805.165.000 28.58%
2006 96.110.000 -737.75%
2007 1.251.881.000 92.32%
2008 1.272.270.000 1.6%
2009 1.462.431.000 13%
2010 1.952.935.000 25.12%
2011 2.174.795.000 10.2%
2012 2.241.702.000 2.98%
2013 2.523.379.000 11.16%
2014 2.625.988.000 3.91%
2015 1.788.868.000 -46.8%
2016 1.877.368.000 4.71%
2017 1.600.581.000 -17.29%
2018 2.166.700.000 26.13%
2019 1.923.722.000 -12.63%
2020 -3.334.942.000 157.68%
2021 1.960.468.000 270.11%
2022 2.451.740.000 20.04%
2023 2.666.008.000 8.04%
2023 182.731.000 -1358.98%
2024 272.404.000 32.92%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

AMMB Holdings Berhad Gross Profit
Year Gross Profit Growth
2004 2.577.820.000
2005 2.864.435.000 10.01%
2006 3.180.807.000 9.95%
2007 3.366.617.000 5.52%
2008 3.270.976.000 -2.92%
2009 3.577.037.000 8.56%
2010 3.913.178.000 8.59%
2011 4.217.459.000 7.21%
2012 5.022.015.000 16.02%
2013 5.552.178.000 9.55%
2014 5.163.940.000 -7.52%
2015 4.599.137.000 -12.28%
2016 4.632.573.000 0.72%
2017 4.770.779.000 2.9%
2018 4.678.955.000 -1.96%
2019 5.022.263.000 6.84%
2020 5.279.360.000 4.87%
2021 5.070.049.000 -4.13%
2022 4.511.546.000 -12.38%
2023 4.414.160.000 -2.21%
2023 8.220.835.999 46.31%
2024 8.935.696.000 8%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

AMMB Holdings Berhad Net Profit
Year Net Profit Growth
2004 287.935.000
2005 479.040.000 39.89%
2006 -50.253.000 1053.26%
2007 810.819.000 106.2%
2008 878.254.000 7.68%
2009 1.042.608.000 15.76%
2010 1.391.150.000 25.05%
2011 1.566.155.000 11.17%
2012 1.635.146.000 4.22%
2013 1.782.380.000 8.26%
2014 1.918.630.000 7.1%
2015 1.302.206.000 -47.34%
2016 1.324.607.000 1.69%
2017 1.132.131.000 -17%
2018 1.505.289.000 24.79%
2019 1.340.715.000 -12.28%
2020 -3.826.466.000 135.04%
2021 1.502.682.000 354.64%
2022 1.708.832.000 12.06%
2023 1.879.112.000 9.06%
2023 1.868.098.000 -0.59%
2024 2.000.788.000 6.63%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

AMMB Holdings Berhad Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 0 0%
2020 -1 100%
2021 0 0%
2022 1 0%
2023 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

AMMB Holdings Berhad Free Cashflow
Year Free Cashflow Growth
2004 -847.016.000
2005 608.585.000 239.18%
2006 852.960.000 28.65%
2007 -1.588.784.000 153.69%
2008 10.446.910.000 115.21%
2009 -3.898.308.000 367.99%
2010 869.189.000 548.5%
2011 -7.545.535.000 111.52%
2012 9.328.507.000 180.89%
2013 2.422.390.000 -285.1%
2014 -159.500.000 1618.74%
2015 1.675.709.000 109.52%
2016 -4.999.583.000 133.52%
2017 -5.523.864.000 9.49%
2018 10.631.213.000 151.96%
2019 13.187.940.000 19.39%
2020 375.754.000 -3409.73%
2021 -634.066.000 159.26%
2022 5.844.100.000 110.85%
2023 2.015.476.000 -189.96%
2023 -766.431.000 362.97%
2024 3.461.312.000 122.14%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

AMMB Holdings Berhad Operating Cashflow
Year Operating Cashflow Growth
2004 -780.012.000
2005 702.232.000 211.08%
2006 937.720.000 25.11%
2007 -1.510.070.000 162.1%
2008 10.539.818.000 114.33%
2009 -3.729.194.000 382.63%
2010 977.943.000 481.33%
2011 -7.431.608.000 113.16%
2012 9.500.348.000 178.22%
2013 2.653.404.000 -258.04%
2014 2.396.000 -110643.07%
2015 1.920.303.000 99.88%
2016 -4.788.494.000 140.1%
2017 -5.396.991.000 11.27%
2018 10.754.776.000 150.18%
2019 13.333.734.000 19.34%
2020 507.877.000 -2525.39%
2021 -533.632.000 195.17%
2022 5.968.785.000 108.94%
2023 2.034.969.000 -193.31%
2023 -651.629.000 412.29%
2024 3.475.838.000 118.75%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

AMMB Holdings Berhad Capital Expenditure
Year Capital Expenditure Growth
2004 67.004.000
2005 93.647.000 28.45%
2006 84.760.000 -10.48%
2007 78.714.000 -7.68%
2008 92.908.000 15.28%
2009 169.114.000 45.06%
2010 108.754.000 -55.5%
2011 113.927.000 4.54%
2012 171.841.000 33.7%
2013 231.014.000 25.61%
2014 161.896.000 -42.69%
2015 244.594.000 33.81%
2016 211.089.000 -15.87%
2017 126.873.000 -66.38%
2018 123.563.000 -2.68%
2019 145.794.000 15.25%
2020 132.123.000 -10.35%
2021 100.434.000 -31.55%
2022 124.685.000 19.45%
2023 19.493.000 -539.64%
2023 114.802.000 83.02%
2024 14.526.000 -690.32%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

AMMB Holdings Berhad Equity
Year Equity Growth
2004 4.849.637.000
2005 6.137.859.000 20.99%
2006 6.076.587.000 -1.01%
2007 7.253.945.000 16.23%
2008 7.911.555.000 8.31%
2009 9.843.987.000 19.63%
2010 10.567.046.000 6.84%
2011 11.514.518.000 8.23%
2012 13.133.230.000 12.33%
2013 14.094.389.000 6.82%
2014 15.507.424.000 9.11%
2015 16.119.388.000 3.8%
2016 17.152.884.000 6.03%
2017 17.660.010.000 2.87%
2018 18.690.452.000 5.51%
2019 19.560.040.000 4.45%
2020 15.590.359.000 -25.46%
2021 17.958.893.000 13.19%
2022 18.135.909.000 0.98%
2023 19.441.833.000 6.72%
2023 18.527.573.000 -4.93%
2024 20.013.808.000 7.43%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

AMMB Holdings Berhad Assets
Year Assets Growth
2004 62.114.233.000
2005 72.260.637.000 14.04%
2006 78.622.673.000 8.09%
2007 83.191.707.000 5.49%
2008 89.892.881.000 7.45%
2009 96.480.303.000 6.83%
2010 108.236.205.000 10.86%
2011 111.855.350.000 3.24%
2012 126.993.290.000 11.92%
2013 132.353.257.000 4.05%
2014 133.803.824.000 1.08%
2015 133.764.000.000 -0.03%
2016 134.767.615.000 0.74%
2017 137.881.243.000 2.26%
2018 158.793.400.000 13.17%
2019 169.203.086.000 6.15%
2020 170.178.254.000 0.57%
2021 174.858.905.000 2.68%
2022 197.540.631.000 11.48%
2023 196.763.753.000 -0.39%
2023 194.465.298.000 -1.18%
2024 196.179.709.000 0.87%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

AMMB Holdings Berhad Liabilities
Year Liabilities Growth
2004 57.264.596.000
2005 66.122.778.000 13.4%
2006 72.546.086.000 8.85%
2007 75.937.762.000 4.47%
2008 81.981.326.000 7.37%
2009 86.636.316.000 5.37%
2010 97.669.159.000 11.3%
2011 100.340.832.000 2.66%
2012 113.860.060.000 11.87%
2013 118.258.868.000 3.72%
2014 118.296.400.000 0.03%
2015 117.644.612.000 -0.55%
2016 117.614.731.000 -0.03%
2017 120.221.233.000 2.17%
2018 140.102.948.000 14.19%
2019 149.643.046.000 6.38%
2020 154.587.895.000 3.2%
2021 156.900.012.000 1.47%
2022 179.404.722.000 12.54%
2023 177.253.898.000 -1.21%
2023 175.937.725.000 -0.75%
2024 176.165.901.000 0.13%

AMMB Holdings Berhad Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.22
Net Income per Share
0.6
Price to Earning Ratio
8.37x
Price To Sales Ratio
2.27x
POCF Ratio
3.64
PFCF Ratio
3.71
Price to Book Ratio
0.83
EV to Sales
5.78
EV Over EBITDA
51.67
EV to Operating CashFlow
9.24
EV to FreeCashFlow
9.44
Earnings Yield
0.12
FreeCashFlow Yield
0.27
Market Cap
16,66 Bil.
Enterprise Value
42,33 Bil.
Graham Number
9.05
Graham NetNet
-54.43

Income Statement Metrics

Net Income per Share
0.6
Income Quality
2.14
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
1.08
EBT Per Ebit
2.78
Ebit per Revenue
0.09
Effective Tax Rate
-0.06

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.09
Pretax Profit Margin
0.25
Net Profit Margin
0.27

Dividends

Dividend Yield
0.04
Dividend Yield %
4.48
Payout Ratio
0.31
Dividend Per Share
0.23

Operating Metrics

Operating Cashflow per Share
1.39
Free CashFlow per Share
1.36
Capex to Operating CashFlow
0.02
Capex to Revenue
0.01
Capex to Depreciation
0.6
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
Days Sales Outstanding
277.49
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.32
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.03

Balance Sheet

Cash per Share
-3,13
Book Value per Share
6,05
Tangible Book Value per Share
5.92
Shareholders Equity per Share
6.05
Interest Debt per Share
11.78
Debt to Equity
1.79
Debt to Assets
0.18
Net Debt to EBITDA
31.33
Current Ratio
0.21
Tangible Asset Value
19,58 Bil.
Net Current Asset Value
-162,97 Bil.
Invested Capital
-48369116000
Working Capital
-49,11 Bil.
Intangibles to Total Assets
0
Average Receivables
5,97 Bil.
Average Payables
0,81 Bil.
Average Inventory
3746158000
Debt to Market Cap
2.15

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

AMMB Holdings Berhad Dividends
Year Dividends Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

AMMB Holdings Berhad Profile

About AMMB Holdings Berhad

AMMB Holdings Berhad, an investment holding company, provides various financial products and services to retail, corporate, and institutional clients in Malaysia. The company offers saving, current, fixed deposit, and foreign currency accounts; auto, personal, and home loans; and working capital, project, industrial hire purchase, asset acquisition, term, contract, and invoices and receivables financing services, as well as credit guarantee schemes. It also provides wealth management; priority banking; trade finance solutions; and remittance services, as well as credit and debit cards. In addition, the company offers corporate lending, offshore banking, and cash management solutions; treasury solutions comprising foreign exchange, rates, derivative, commodities, fixed income, and structured warrant products; investment banking solutions and services, including capital market, broking, private banking, corporate advisory, and equity and debt capital fund raising services; and asset and fund management services, as well as investment solutions. Further, it provides general insurance products, such as motor, personal accident, property, and household insurance; and life insurance and takaful products consisting of wealth protection/savings, health and medical protection, and family takaful solutions. Additionally, the company offers Islamic banking services; manages unit trust funds, real estate investment trusts, and private retirement schemes; distributes Islamic wholesale funds; invests in properties; and provides securitization of mortgage loans, nominee, and internet and mobile banking services, as well as offers outsourcing services for mortgage related activities. AMMB Holdings Berhad was incorporated in 1975 and is based in Kuala Lumpur, Malaysia.

CEO
Mr. Fou-Tsong Ling
Employee
8.200
Address
Bangunan AmBank Group
Kuala Lumpur, 50200

AMMB Holdings Berhad Executives & BODs

AMMB Holdings Berhad Executives & BODs
# Name Age
1 Mr. Fou-Tsong Ling
Group Chief Executive Officer
70
2 Mr. Shafiq Bin Abdul Jabbar
Chief Financial Officer
70
3 Yeoh Ru Hann
Head of Investor Relations & Group Finance
70
4 Mr. Huey Wen Yap
Managing Director of Business Banking
70
5 Mr. Bui Anh Tu
Head of FI Department
70
6 Muhammad Fadzli Abdullah Halim
Head of Shariah Review
70
7 Mr. Iswaraan Suppiah
Group Chief Operations Officer
70
8 Ms. Faradina Binti Mohammad Ghouse
Group Chief Compliance Officer
70
9 Ms. Rohani Binti Mustaffa
Group Chief Human Resource Officer
70
10 Mr. Jeroen Petrus Margarctha Maria Thijs
Group Chief Risk Officer
70

AMMB Holdings Berhad Competitors

RHB Bank Berhad Logo
RHB Bank Berhad

1066.KL

(3.5)
Hong Leong Bank Berhad Logo
Hong Leong Bank Berhad

5819.KL

(3.8)
Malayan Banking Berhad Logo
Malayan Banking Berhad

1155.KL

(3.0)
Public Bank Berhad Logo
Public Bank Berhad

1295.KL

(3.0)