RHB Bank Berhad Logo

RHB Bank Berhad

1066.KL

(3.5)
Stock Price

6,40 MYR

0.82% ROA

8.66% ROE

9.97x PER

Market Cap.

27.028.838.000,00 MYR

155.47% DER

6.45% Yield

21.06% NPM

RHB Bank Berhad Stock Analysis

RHB Bank 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.

RHB Bank Berhad Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.8x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (29%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROE

The stock's ROE falls within an average range (7.74%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.72%) 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

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

9 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

10 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (17) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

RHB Bank 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.

RHB Bank Berhad Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

RHB Bank 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.

RHB Bank Berhad Revenue
Year Revenue Growth
2005 2.584.012.000
2006 3.041.476.000 15.04%
2007 3.388.409.000 10.24%
2008 3.434.690.000 1.35%
2009 3.682.554.000 6.73%
2010 3.538.133.000 -4.08%
2011 4.307.750.000 17.87%
2012 4.820.793.000 10.64%
2013 5.910.857.000 18.44%
2014 6.308.404.000 6.3%
2015 6.232.719.000 -1.21%
2016 5.926.046.000 -5.18%
2017 6.160.131.000 3.8%
2018 6.816.086.000 9.62%
2019 7.103.544.000 4.05%
2020 7.482.459.000 5.06%
2021 7.837.292.000 4.53%
2022 8.140.213.000 3.72%
2023 7.867.556.000 -3.47%
2023 13.537.326.000 41.88%
2024 14.394.036.000 5.95%

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.

RHB Bank 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%
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.

RHB Bank Berhad General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 155.049.000
2006 158.536.000 2.2%
2007 188.914.000 16.08%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 252.787.000 100%
2013 355.209.000 28.83%
2014 360.820.000 1.56%
2015 388.888.000 7.22%
2016 362.530.000 -7.27%
2017 370.797.000 2.23%
2018 366.661.000 -1.13%
2019 377.229.000 2.8%
2020 357.469.000 -5.53%
2021 370.571.000 3.54%
2022 380.600.000 2.64%
2023 293.220.000 -29.8%
2023 359.937.000 18.54%
2024 314.116.000 -14.59%

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.

RHB Bank Berhad EBITDA
Year EBITDA Growth
2005 671.618.000
2006 915.542.000 26.64%
2007 1.207.873.000 24.2%
2008 1.501.663.000 19.56%
2009 1.623.350.000 7.5%
2010 1.998.240.000 18.76%
2011 2.100.180.000 4.85%
2012 2.508.067.000 16.26%
2013 2.628.027.000 4.56%
2014 2.892.591.000 9.15%
2015 2.287.186.000 -26.47%
2016 2.414.877.000 5.29%
2017 2.752.588.000 12.27%
2018 3.335.774.000 17.48%
2019 3.670.565.000 9.12%
2020 2.976.789.000 -23.31%
2021 3.846.966.000 22.62%
2022 4.528.546.000 15.05%
2023 3.899.504.000 -16.13%
2023 351.325.000 -1009.94%
2024 372.120.000 5.59%

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.

RHB Bank Berhad Gross Profit
Year Gross Profit Growth
2005 2.584.012.000
2006 3.041.476.000 15.04%
2007 3.388.409.000 10.24%
2008 3.434.690.000 1.35%
2009 3.682.554.000 6.73%
2010 3.538.133.000 -4.08%
2011 4.307.750.000 17.87%
2012 4.820.793.000 10.64%
2013 5.910.857.000 18.44%
2014 6.308.404.000 6.3%
2015 6.232.719.000 -1.21%
2016 5.926.046.000 -5.18%
2017 6.160.131.000 3.8%
2018 6.816.086.000 9.62%
2019 7.103.544.000 4.05%
2020 7.482.459.000 5.06%
2021 7.837.292.000 4.53%
2022 8.140.213.000 3.72%
2023 7.867.556.000 -3.47%
2023 13.537.326.000 41.88%
2024 14.394.036.000 5.95%

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.

RHB Bank Berhad Net Profit
Year Net Profit Growth
2005 432.648.000
2006 595.897.000 27.4%
2007 822.065.000 27.51%
2008 1.049.755.000 21.69%
2009 1.208.606.000 13.14%
2010 1.428.545.000 15.4%
2011 1.503.658.000 5%
2012 1.784.742.000 15.75%
2013 1.831.190.000 2.54%
2014 2.038.000.000 10.15%
2015 1.511.427.000 -34.84%
2016 1.681.624.000 10.12%
2017 1.950.145.000 13.77%
2018 2.305.196.000 15.4%
2019 2.482.432.000 7.14%
2020 2.032.530.000 -22.14%
2021 2.618.388.000 22.37%
2022 2.678.389.000 2.24%
2023 2.599.796.000 -3.02%
2023 2.806.228.000 7.36%
2024 2.889.232.000 2.87%

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.

RHB Bank Berhad Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 1 0%
2010 1 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 1 0%
2020 0 0%
2021 1 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.

RHB Bank Berhad Free Cashflow
Year Free Cashflow Growth
2005 -3.282.772.000
2006 1.915.521.000 271.38%
2007 3.519.648.000 45.58%
2008 -3.398.443.000 203.57%
2009 3.468.360.000 197.98%
2010 142.284.000 -2337.63%
2011 5.381.144.000 97.36%
2012 4.686.357.000 -14.83%
2013 -8.724.876.000 153.71%
2014 2.278.101.000 482.99%
2015 -2.776.245.000 182.06%
2016 555.293.000 599.96%
2017 -3.542.940.000 115.67%
2018 4.637.304.000 176.4%
2019 5.933.102.000 21.84%
2020 235.819.000 -2415.96%
2021 11.283.555.000 97.91%
2022 5.439.648.000 -107.43%
2023 1.857.973.000 -192.77%
2023 -1.595.306.000 216.46%
2024 2.933.334.000 154.39%

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.

RHB Bank Berhad Operating Cashflow
Year Operating Cashflow Growth
2005 -3.209.782.000
2006 1.987.007.000 261.54%
2007 3.594.096.000 44.71%
2008 -3.289.701.000 209.25%
2009 3.591.124.000 191.61%
2010 285.395.000 -1158.3%
2011 5.561.931.000 94.87%
2012 4.813.418.000 -15.55%
2013 -8.571.416.000 156.16%
2014 2.514.604.000 440.87%
2015 -2.533.996.000 199.23%
2016 813.764.000 411.39%
2017 -3.261.347.000 124.95%
2018 4.958.084.000 165.78%
2019 6.204.614.000 20.09%
2020 505.900.000 -1126.45%
2021 11.602.814.000 95.64%
2022 5.829.050.000 -99.05%
2023 2.225.764.000 -161.89%
2023 -1.496.966.000 248.69%
2024 2.991.122.000 150.05%

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.

RHB Bank Berhad Capital Expenditure
Year Capital Expenditure Growth
2005 72.990.000
2006 71.486.000 -2.1%
2007 74.448.000 3.98%
2008 108.742.000 31.54%
2009 122.764.000 11.42%
2010 143.111.000 14.22%
2011 180.787.000 20.84%
2012 127.061.000 -42.28%
2013 153.460.000 17.2%
2014 236.503.000 35.11%
2015 242.249.000 2.37%
2016 258.471.000 6.28%
2017 281.593.000 8.21%
2018 320.780.000 12.22%
2019 271.512.000 -18.15%
2020 270.081.000 -0.53%
2021 319.259.000 15.4%
2022 389.402.000 18.01%
2023 367.791.000 -5.88%
2023 98.340.000 -274%
2024 57.788.000 -70.17%

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.

RHB Bank Berhad Equity
Year Equity Growth
2005 5.506.632.000
2006 6.051.722.000 9.01%
2007 7.073.988.000 14.45%
2008 7.840.940.000 9.78%
2009 8.740.182.000 10.29%
2010 9.972.970.000 12.36%
2011 11.450.307.000 12.9%
2012 15.340.480.000 25.36%
2013 16.942.727.000 9.46%
2014 18.894.086.000 10.33%
2015 23.109.411.000 18.24%
2016 21.773.867.000 -6.13%
2017 23.184.428.000 6.08%
2018 23.395.948.000 0.9%
2019 25.810.809.000 9.36%
2020 27.056.564.000 4.6%
2021 28.030.511.000 3.47%
2022 28.746.240.000 2.49%
2023 29.945.277.000 4%
2023 30.911.064.000 3.12%
2024 31.710.058.000 2.52%

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.

RHB Bank Berhad Assets
Year Assets Growth
2005 89.898.249.000
2006 103.309.975.000 12.98%
2007 105.154.294.000 1.75%
2008 104.532.769.000 -0.59%
2009 114.951.382.000 9.06%
2010 129.325.495.000 11.11%
2011 152.393.694.000 15.14%
2012 189.077.565.000 19.4%
2013 191.089.907.000 1.05%
2014 219.354.436.000 12.89%
2015 230.717.667.000 4.93%
2016 236.678.829.000 2.52%
2017 230.209.926.000 -2.81%
2018 243.165.679.000 5.33%
2019 257.592.496.000 5.6%
2020 271.149.958.000 5%
2021 289.541.458.000 6.35%
2022 310.788.181.000 6.84%
2023 322.745.189.000 3.7%
2023 328.692.111.000 1.81%
2024 331.906.549.000 0.97%

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.

RHB Bank Berhad Liabilities
Year Liabilities Growth
2005 84.391.617.000
2006 97.258.253.000 13.23%
2007 6.445.550.000 -1408.92%
2008 6.846.288.000 5.85%
2009 7.238.498.000 5.42%
2010 7.328.607.000 1.23%
2011 140.943.387.000 94.8%
2012 173.737.085.000 18.88%
2013 174.147.180.000 0.24%
2014 200.460.350.000 13.13%
2015 207.608.256.000 3.44%
2016 214.904.962.000 3.4%
2017 207.025.498.000 -3.81%
2018 219.769.731.000 5.8%
2019 231.781.687.000 5.18%
2020 244.093.394.000 5.04%
2021 261.510.947.000 6.66%
2022 282.041.941.000 7.28%
2023 292.799.912.000 3.67%
2023 298.288.821.000 1.84%
2024 300.196.491.000 0.64%

RHB Bank Berhad Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.95
Net Income per Share
0.62
Price to Earning Ratio
9.97x
Price To Sales Ratio
2.12x
POCF Ratio
12.44
PFCF Ratio
14.85
Price to Book Ratio
0.85
EV to Sales
5.4
EV Over EBITDA
54.91
EV to Operating CashFlow
32.01
EV to FreeCashFlow
37.89
Earnings Yield
0.1
FreeCashFlow Yield
0.07
Market Cap
27,03 Bil.
Enterprise Value
68,95 Bil.
Graham Number
10.12
Graham NetNet
-70.28

Income Statement Metrics

Net Income per Share
0.62
Income Quality
0.74
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.75
EBT Per Ebit
4.18
Ebit per Revenue
0.07
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.03
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.07
Pretax Profit Margin
0.28
Net Profit Margin
0.21

Dividends

Dividend Yield
0.06
Dividend Yield %
6.45
Payout Ratio
0.5
Dividend Per Share
0.4

Operating Metrics

Operating Cashflow per Share
0.5
Free CashFlow per Share
0.42
Capex to Operating CashFlow
0.16
Capex to Revenue
0.03
Capex to Depreciation
0.84
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
Days Sales Outstanding
205.13
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.78
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.08

Balance Sheet

Cash per Share
-2,51
Book Value per Share
7,33
Tangible Book Value per Share
6.53
Shareholders Equity per Share
7.33
Interest Debt per Share
12.49
Debt to Equity
1.55
Debt to Assets
0.15
Net Debt to EBITDA
33.38
Current Ratio
0.16
Tangible Asset Value
28,25 Bil.
Net Current Asset Value
-283,96 Bil.
Invested Capital
-80862160000
Working Capital
-85,52 Bil.
Intangibles to Total Assets
0.01
Average Receivables
7,23 Bil.
Average Payables
1,00 Bil.
Average Inventory
20890520500
Debt to Market Cap
1.82

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.

RHB Bank 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 1 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

RHB Bank Berhad Profile

About RHB Bank Berhad

RHB Bank Berhad provides commercial banking and finance related products and services in Malaysia and internationally. Its Group Community Banking segment offers mortgages, non-residential mortgages, hire purchase, purchase of securities, credit cards, other personal loans, financing, remittance, deposits collection, investment related, and bancassurance/bancatakaful products to individual customers; financing solutions to SMEs and family-owned enterprises, as well as trade and cash management solutions for SMEs. The company's Group Wholesale Banking segment provides treasury products and solutions; advisory services, such as corporate and debt restructuring, mergers and acquisitions, takeovers, as well as fundraising services for institutional and retail clients; stockbroking and investment banking products and services; management of unit trust funds, investment management advisory, private mandates, product development, and trustee services; financing, deposits, cash management, trade finance, FX and remittance services; and supply chain financing solutions. Its Group International Business segment offers commercial banking related products and services in Singapore, Thailand, Brunei, Cambodia, and Lao. The company's Insurance segment provides general insurance for retail, SME, commercial, and corporate customers. Its Support Center and Others segment offers nominee, property investment and rental of premises, and other related financial services. The company also provides Islamic banking, leasing, offshore trust, general insurance, and custodian services, as well as fiduciary services. In addition, it offers corporate secretarial services; leasing of industrial construction, business equipment, and motor vehicles; private equity investment; securities dealing and margin financing; dealing in futures and options contracts; securities brokerage and underwriting; and property management. RHB Bank Berhad is based in Kuala Lumpur, Malaysia.

CEO
Mr. Mohd Rashid Bin Mohamad
Employee
13.642
Address
Tower One
Kuala Lumpur, 50400

RHB Bank Berhad Executives & BODs

RHB Bank Berhad Executives & BODs
# Name Age
1 Ms. Norazzah Sulaiman
Group Chief Sustainability & Communications Officer
70
2 Ms. Fazlina Mohamed Ghazalli
Group Chief Compliance Officer
70
3 Mr. Eow Oo Ng
Managing Director of Group Community Banking
70
4 Ms. Wan Mariah Abu Hassan
Group Chief People Officer
70
5 Mr. Mohd Rashid Bin Mohamad
Group MD, Group Chief Executive Officer of RHB Banking Group & Executive Director
70
6 Mr. Mohamed Bin Rastam Shahrom
Chief Financial Officer
70
7 Mr. Ming Liang Chong
Group Chief Operations Officer
70
8 Mr. Wong Kwang Leh
Group Chief Technology Officer
70
9 Mr. Azman Shah Md Yaman
Chief Integrity & Governance Officer, Head of Legal, Secretariat & Governance and Company Secretary
70
10 Ms. Haryati Binti Yahya
Head of Investor Relations
70

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