CIMB Group Holdings Berhad Logo

CIMB Group Holdings Berhad

1023.KL

(3.8)
Stock Price

8,34 MYR

0.9% ROA

10.36% ROE

9.58x PER

Market Cap.

63.135.835.585,00 MYR

48.5% DER

5.15% Yield

26.09% NPM

CIMB Group Holdings Berhad Stock Analysis

CIMB Group 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.

CIMB Group Holdings Berhad Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.94x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (48%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

5 ROE

ROE in an average range (6.9%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.64%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

8 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

9 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

10 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

11 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (31) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

CIMB Group 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.

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

CIMB Group 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.

CIMB Group Holdings Berhad Revenue
Year Revenue Growth
2005 4.722.980.000
2006 6.392.570.000 26.12%
2007 9.011.509.000 29.06%
2008 7.740.512.000 -16.42%
2009 10.669.523.000 27.45%
2010 11.810.705.000 9.66%
2011 12.122.029.000 2.57%
2012 13.015.899.000 6.87%
2013 13.648.161.000 4.63%
2014 13.715.236.000 0.49%
2015 15.130.825.000 9.36%
2016 15.610.068.000 3.07%
2017 17.402.446.000 10.3%
2018 17.288.541.000 -0.66%
2019 17.522.498.000 1.34%
2020 16.512.311.000 -6.12%
2021 18.177.366.000 9.16%
2022 19.802.979.000 8.21%
2023 21.182.028.000 6.51%

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.

CIMB Group Holdings Berhad Research and Development Expenses
Year Research and Development Expenses Growth
2005 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%

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.

CIMB Group Holdings Berhad General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 0 0%
2007 990.719.000 100%
2008 973.542.000 -1.76%
2009 1.202.672.000 19.05%
2010 2.029.777.000 40.75%
2011 2.755.305.000 26.33%
2012 965.184.000 -185.47%
2013 944.703.000 -2.17%
2014 843.650.000 -11.98%
2015 916.896.000 7.99%
2016 965.691.000 5.05%
2017 1.185.965.000 18.57%
2018 1.136.087.000 -4.39%
2019 1.357.963.000 16.34%
2020 1.297.530.000 -4.66%
2021 1.187.514.000 -9.26%
2022 1.148.002.000 -3.44%
2023 1.191.912.000 3.68%

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.

CIMB Group Holdings Berhad EBITDA
Year EBITDA Growth
2005 1.483.554.000
2006 2.241.683.000 33.82%
2007 3.978.784.000 43.66%
2008 3.054.527.000 -30.26%
2009 4.303.706.000 29.03%
2010 5.324.136.000 19.17%
2011 5.792.436.000 8.08%
2012 6.233.637.000 7.08%
2013 6.401.475.000 2.62%
2014 4.854.259.000 -31.87%
2015 4.561.730.000 -6.41%
2016 5.491.227.000 16.93%
2017 6.674.692.000 17.73%
2018 7.773.969.000 14.14%
2019 6.913.572.000 -12.45%
2020 2.470.708.000 -179.82%
2021 6.914.985.000 64.27%
2022 9.330.231.000 25.89%
2023 10.805.684.000 13.65%

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.

CIMB Group Holdings Berhad Gross Profit
Year Gross Profit Growth
2005 4.722.980.000
2006 6.392.570.000 26.12%
2007 9.011.509.000 29.06%
2008 7.740.512.000 -16.42%
2009 10.669.523.000 27.45%
2010 11.810.705.000 9.66%
2011 12.122.029.000 2.57%
2012 13.015.899.000 6.87%
2013 13.648.161.000 4.63%
2014 13.715.236.000 0.49%
2015 15.130.825.000 9.36%
2016 15.610.068.000 3.07%
2017 17.402.446.000 10.3%
2018 17.288.541.000 -0.66%
2019 17.522.498.000 1.34%
2020 16.512.311.000 -6.12%
2021 18.177.366.000 9.16%
2022 19.802.979.000 8.21%
2023 21.182.028.000 6.51%

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.

CIMB Group Holdings Berhad Net Profit
Year Net Profit Growth
2005 1.029.227.000
2006 1.608.874.000 36.03%
2007 2.914.175.000 44.79%
2008 2.012.546.000 -44.8%
2009 3.047.067.000 33.95%
2010 3.689.920.000 17.42%
2011 4.074.326.000 9.43%
2012 4.344.776.000 6.22%
2013 4.540.403.000 4.31%
2014 3.106.808.000 -46.14%
2015 2.849.509.000 -9.03%
2016 3.564.190.000 20.05%
2017 4.475.175.000 20.36%
2018 5.583.510.000 19.85%
2019 4.559.656.000 -22.45%
2020 1.194.424.000 -281.75%
2021 4.295.334.000 72.19%
2022 5.439.863.000 21.04%
2023 7.391.168.000 26.4%

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.

CIMB Group Holdings Berhad Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 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 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 1 0%
2023 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.

CIMB Group Holdings Berhad Free Cashflow
Year Free Cashflow Growth
2005 -7.950.956.000
2006 5.252.813.000 251.37%
2007 15.430.951.000 65.96%
2008 -2.552.329.000 704.58%
2009 876.342.000 391.25%
2010 -3.515.190.000 124.93%
2011 9.604.840.000 136.6%
2012 1.194.125.000 -704.34%
2013 3.375.717.000 64.63%
2014 2.913.617.000 -15.86%
2015 -1.933.266.000 250.71%
2016 -179.038.000 -979.81%
2017 17.246.979.000 101.04%
2018 725.875.000 -2276.03%
2019 -94.961.000 864.39%
2020 42.986.473.000 100.22%
2021 22.000.633.000 -95.39%
2022 7.187.992.000 -206.07%
2023 223.663.000 -3113.76%

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.

CIMB Group Holdings Berhad Operating Cashflow
Year Operating Cashflow Growth
2005 -7.716.133.000
2006 5.533.828.000 239.44%
2007 16.019.292.000 65.46%
2008 -2.086.075.000 867.92%
2009 1.530.848.000 236.27%
2010 -2.998.548.000 151.05%
2011 10.367.187.000 128.92%
2012 2.021.706.000 -412.79%
2013 4.252.429.000 52.46%
2014 3.667.800.000 -15.94%
2015 -989.671.000 470.61%
2016 1.017.508.000 197.26%
2017 17.958.898.000 94.33%
2018 1.776.969.000 -910.65%
2019 862.257.000 -106.08%
2020 44.115.856.000 98.05%
2021 23.172.232.000 -90.38%
2022 8.095.593.000 -186.23%
2023 349.641.000 -2215.4%

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.

CIMB Group Holdings Berhad Capital Expenditure
Year Capital Expenditure Growth
2005 234.823.000
2006 281.015.000 16.44%
2007 588.341.000 52.24%
2008 466.254.000 -26.18%
2009 654.506.000 28.76%
2010 516.642.000 -26.68%
2011 762.347.000 32.23%
2012 827.581.000 7.88%
2013 876.712.000 5.6%
2014 754.183.000 -16.25%
2015 943.595.000 20.07%
2016 1.196.546.000 21.14%
2017 711.919.000 -68.07%
2018 1.051.094.000 32.27%
2019 957.218.000 -9.81%
2020 1.129.383.000 15.24%
2021 1.171.599.000 3.6%
2022 907.601.000 -29.09%
2023 125.978.000 -620.44%

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.

CIMB Group Holdings Berhad Equity
Year Equity Growth
2005 9.837.453.000
2006 12.084.530.000 18.59%
2007 15.910.051.000 24.04%
2008 17.263.951.000 7.84%
2009 20.545.014.000 15.97%
2010 23.429.966.000 12.31%
2011 26.863.160.000 12.78%
2012 28.576.667.000 6%
2013 30.471.098.000 6.22%
2014 37.560.436.000 18.87%
2015 41.250.778.000 8.95%
2016 45.508.175.000 9.36%
2017 48.445.479.000 6.06%
2018 52.587.971.000 7.88%
2019 57.469.076.000 8.49%
2020 57.174.122.000 -0.52%
2021 60.108.748.000 4.88%
2022 63.783.853.000 5.76%
2023 69.637.805.000 8.41%

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.

CIMB Group Holdings Berhad Assets
Year Assets Growth
2005 113.525.964.000
2006 159.607.244.000 28.87%
2007 182.831.642.000 12.7%
2008 206.735.710.000 11.56%
2009 239.983.999.000 13.85%
2010 269.365.244.000 10.91%
2011 300.202.707.000 10.27%
2012 337.056.884.000 10.93%
2013 370.912.797.000 9.13%
2014 414.156.356.000 10.44%
2015 461.577.143.000 10.27%
2016 485.766.887.000 4.98%
2017 506.499.532.000 4.09%
2018 534.089.043.000 5.17%
2019 573.245.655.000 6.83%
2020 602.354.899.000 4.83%
2021 621.907.058.000 3.14%
2022 666.721.225.000 6.72%
2023 737.705.947.000 9.62%

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.

CIMB Group Holdings Berhad Liabilities
Year Liabilities Growth
2005 102.419.486.000
2006 146.917.924.000 30.29%
2007 165.977.032.000 11.48%
2008 188.373.261.000 11.89%
2009 217.337.285.000 13.33%
2010 245.062.045.000 11.31%
2011 273.339.547.000 10.35%
2012 307.705.438.000 11.17%
2013 339.684.237.000 9.41%
2014 375.765.233.000 9.6%
2015 419.344.515.000 10.39%
2016 438.687.729.000 4.41%
2017 456.693.097.000 3.94%
2018 481.501.072.000 5.15%
2019 515.776.579.000 6.65%
2020 545.180.777.000 5.39%
2021 561.798.310.000 2.96%
2022 602.937.372.000 6.82%
2023 668.068.142.000 9.75%

CIMB Group Holdings Berhad Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.94
Net Income per Share
0.62
Price to Earning Ratio
9.58x
Price To Sales Ratio
3.05x
POCF Ratio
5.04
PFCF Ratio
5.58
Price to Book Ratio
0.92
EV to Sales
2.1
EV Over EBITDA
4.32
EV to Operating CashFlow
3.47
EV to FreeCashFlow
3.84
Earnings Yield
0.1
FreeCashFlow Yield
0.18
Market Cap
63,14 Bil.
Enterprise Value
43,46 Bil.
Graham Number
9.44
Graham NetNet
-55.53

Income Statement Metrics

Net Income per Share
0.62
Income Quality
1.36
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.73
EBT Per Ebit
1.36
Ebit per Revenue
0.26
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.26
Pretax Profit Margin
0.36
Net Profit Margin
0.26

Dividends

Dividend Yield
0.05
Dividend Yield %
5.15
Payout Ratio
0.07
Dividend Per Share
0.31

Operating Metrics

Operating Cashflow per Share
1.17
Free CashFlow per Share
1.06
Capex to Operating CashFlow
-0.1
Capex to Revenue
-0.06
Capex to Depreciation
0
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
538.54
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.68
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.11

Balance Sheet

Cash per Share
4,96
Book Value per Share
6,41
Tangible Book Value per Share
5.74
Shareholders Equity per Share
6.41
Interest Debt per Share
4.25
Debt to Equity
0.49
Debt to Assets
0.04
Net Debt to EBITDA
-1.96
Current Ratio
318.72
Tangible Asset Value
61,19 Bil.
Net Current Asset Value
-584,63 Bil.
Invested Capital
0.49
Working Capital
83,17 Bil.
Intangibles to Total Assets
0.01
Average Receivables
30,15 Bil.
Average Payables
0,29 Bil.
Average Inventory
0
Debt to Market Cap
0.53

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.

CIMB Group 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%
2021 0 0%
2022 0 0%
2023 0 0%

CIMB Group Holdings Berhad Profile

About CIMB Group Holdings Berhad

CIMB Group Holdings Berhad provides various banking products and services in Malaysia and internationally. The Consumer Banking segment offers conventional and Islamic financial products and services, such as residential and non-residential property loans, secured personal loans, motor vehicle financing, credit cards, unsecured personal financing, wealth management, bancassurance, remittance and foreign exchange, deposits, and internet banking services to individual customers. The Commercial Banking segment provides banking credit facilities, trade financing, cash management, remittance and foreign exchange, and general deposit products, as well as an online business banking platform to small and medium-scale enterprises, and mid-sized corporations. The Wholesale Banking segment offers client coverage marketing and delivering solutions; financial advisory services on issuance of equity and equity-linked products, debt restructuring, initial public offerings, secondary offerings, and general corporate advisory; conventional and Islamic funding solutions covering trade, working capital line, capital expenditure, leveraging, merger and acquisition, leveraged, and project financing products; and holistic funding solutions, including cash management, trade finance, foreign exchange, custody and corporate loans, derivatives, structured products, and debt capital. This segment also engages in the treasury activities and services comprising foreign exchange, money market, derivatives, and capital market trading instruments; transaction banking and broking services; and wealth management solutions, as well as investment, securities financing, and trust services. CIMB Group Holdings Berhad was founded in 1924 and is headquartered in Kuala Lumpur, Malaysia.

CEO
Mr. Abdul Rahman Bin Ahmad DJN
Employee
33.000
Address
Menara CIMB
Kuala Lumpur, 50470

CIMB Group Holdings Berhad Executives & BODs

CIMB Group Holdings Berhad Executives & BODs
# Name Age
1 Mr. Keen Yew Kwan
Group Chief Legal, Compliance, Integrity & Governance Officer
70
2 Mr. Effendy Shahul Hamid
Chief Executive Officer of Group Consumer & Digital Banking
70
3 Mr. Meng Teck Lee
Chief Executive Officer of Group Commercial Banking & CIMB Bank Singapore and Country Head Singapore
70
4 Mr. Abdul Rahman Bin Ahmad DJN, PJK, PKT
Group Chief Executive Officer & Executive Director
70
5 Mr. Khairulanwar Bin Rifaie
Group Chief Financial Officer
70
6 Ms. Suria Zainal
Head - Group Corporate Communications
70
7 Mr. Hendra Lembong
Chief Fintech Officer
70
8 Mr. Chek Chye Tan
Head of Investor Relations
70
9 Mr. Gurdip Singh Sidhu
Group Chief People Officer & Chief Sustainability Officer
70
10 Mr. Amran Bin Mohamad
Group Chief Internal Auditor
70

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