Alliance Bank Malaysia Berhad Logo

Alliance Bank Malaysia Berhad

2488.KL

(2.8)
Stock Price

4,97 MYR

0.92% ROA

10.15% ROE

9.4x PER

Market Cap.

6.734.278.500,00 MYR

116.35% DER

5.13% Yield

22.12% NPM

Alliance Bank Malaysia Berhad Stock Analysis

Alliance Bank Malaysia 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.

Alliance Bank Malaysia Berhad Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.77x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (25%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 ROE

The stock's ROE falls within an average range (9.29%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.91%) 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 Graham Number

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

7 Dividend

The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (12) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Alliance Bank Malaysia 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.

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

Alliance Bank Malaysia 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.

Alliance Bank Malaysia Berhad Revenue
Year Revenue Growth
2005 768.413.000
2006 923.716.000 16.81%
2007 1.017.489.000 9.22%
2008 1.058.122.000 3.84%
2009 1.064.519.000 0.6%
2010 1.128.716.000 5.69%
2011 1.273.277.000 11.35%
2012 1.302.301.000 2.23%
2013 1.362.780.000 4.44%
2014 1.368.110.000 0.39%
2015 1.431.914.000 4.46%
2016 1.469.769.000 2.58%
2017 1.572.128.000 6.51%
2018 1.622.294.000 3.09%
2019 1.647.004.000 1.5%
2020 1.817.471.000 9.38%
2021 1.867.482.000 2.68%
2022 1.920.182.000 2.74%
2023 2.112.320.000 9.1%
2023 3.321.506.000 36.4%
2024 3.675.656.000 9.64%

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.

Alliance Bank Malaysia 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.

Alliance Bank Malaysia Berhad General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 45.688.000 100%
2007 52.670.000 13.26%
2008 63.496.000 17.05%
2009 49.844.000 -27.39%
2010 0 0%
2011 44.700.000 100%
2012 44.044.000 -1.49%
2013 49.637.000 11.27%
2014 55.499.000 10.56%
2015 62.758.000 11.57%
2016 74.235.000 15.46%
2017 87.424.000 15.09%
2018 64.950.000 -34.6%
2019 64.463.000 -0.76%
2020 71.338.000 9.64%
2021 72.793.000 2%
2022 66.559.000 -9.37%
2023 76.920.000 13.47%
2023 66.628.000 -15.45%
2024 62.972.000 -5.81%

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.

Alliance Bank Malaysia Berhad EBITDA
Year EBITDA Growth
2005 -205.235.000
2006 183.150.000 212.06%
2007 487.628.000 62.44%
2008 255.355.000 -90.96%
2009 465.096.000 45.1%
2010 607.125.000 23.39%
2011 690.732.000 12.1%
2012 760.786.000 9.21%
2013 790.234.000 3.73%
2014 743.003.000 -6.36%
2015 739.545.000 -0.47%
2016 725.153.000 -1.98%
2017 729.489.000 0.59%
2018 761.562.000 4.21%
2019 1.740.691.000 56.25%
2020 572.388.000 -204.11%
2021 1.480.643.000 61.34%
2022 980.559.000 -51%
2023 1.062.372.000 7.7%
2023 97.672.000 -987.69%
2024 100.960.000 3.26%

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.

Alliance Bank Malaysia Berhad Gross Profit
Year Gross Profit Growth
2005 768.413.000
2006 923.716.000 16.81%
2007 1.017.489.000 9.22%
2008 1.058.122.000 3.84%
2009 1.064.519.000 0.6%
2010 1.128.716.000 5.69%
2011 1.273.277.000 11.35%
2012 1.302.301.000 2.23%
2013 1.362.780.000 4.44%
2014 1.368.110.000 0.39%
2015 1.431.914.000 4.46%
2016 1.469.769.000 2.58%
2017 1.572.128.000 6.51%
2018 1.622.294.000 3.09%
2019 1.647.004.000 1.5%
2020 1.817.471.000 9.38%
2021 1.867.482.000 2.68%
2022 1.920.182.000 2.74%
2023 2.112.320.000 9.1%
2023 3.321.506.000 36.4%
2024 3.675.656.000 9.64%

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.

Alliance Bank Malaysia Berhad Net Profit
Year Net Profit Growth
2005 -201.810.000
2006 107.363.000 287.97%
2007 380.095.000 71.75%
2008 228.888.000 -66.06%
2009 301.500.000 24.08%
2010 409.151.000 26.31%
2011 479.355.000 14.65%
2012 538.123.000 10.92%
2013 563.548.000 4.51%
2014 530.780.000 -6.17%
2015 522.038.000 -1.67%
2016 512.123.000 -1.94%
2017 493.228.000 -3.83%
2018 537.597.000 8.25%
2019 424.263.000 -26.71%
2020 358.785.000 -18.25%
2021 572.817.000 37.36%
2022 677.846.000 15.49%
2023 741.316.000 8.56%
2023 690.475.000 -7.36%
2024 706.604.000 2.28%

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.

Alliance Bank Malaysia 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 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%

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.

Alliance Bank Malaysia Berhad Free Cashflow
Year Free Cashflow Growth
2005 1.156.343.000
2006 2.853.505.000 59.48%
2007 -999.795.000 385.41%
2008 906.664.000 210.27%
2009 -1.949.233.000 146.51%
2010 1.242.734.000 256.85%
2011 1.024.488.000 -21.3%
2012 297.841.000 -243.97%
2013 968.719.000 69.25%
2014 311.505.000 -210.98%
2015 -557.504.000 155.87%
2016 -1.508.621.000 63.05%
2017 -1.858.761.000 18.84%
2018 45.006.000 4230.03%
2019 3.107.888.000 98.55%
2020 858.212.000 -262.14%
2021 -1.130.046.000 175.94%
2022 1.401.089.000 180.65%
2023 358.376.000 -290.96%
2023 1.131.464.000 68.33%
2024 114.667.000 -886.74%

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.

Alliance Bank Malaysia Berhad Operating Cashflow
Year Operating Cashflow Growth
2005 1.181.906.000
2006 2.905.897.000 59.33%
2007 -919.154.000 416.15%
2008 984.121.000 193.4%
2009 -1.907.449.000 151.59%
2010 1.268.016.000 250.43%
2011 1.063.508.000 -19.23%
2012 342.526.000 -210.49%
2013 1.021.384.000 66.46%
2014 364.673.000 -180.08%
2015 -519.649.000 170.18%
2016 -1.461.025.000 64.43%
2017 -1.785.517.000 18.17%
2018 133.893.000 1433.54%
2019 3.184.447.000 95.8%
2020 908.310.000 -250.59%
2021 -1.065.653.000 185.24%
2022 1.480.178.000 171.99%
2023 381.626.000 -287.86%
2023 1.399.901.000 72.74%
2024 138.830.000 -908.36%

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.

Alliance Bank Malaysia Berhad Capital Expenditure
Year Capital Expenditure Growth
2005 25.563.000
2006 52.392.000 51.21%
2007 80.641.000 35.03%
2008 77.457.000 -4.11%
2009 41.784.000 -85.37%
2010 25.282.000 -65.27%
2011 39.020.000 35.21%
2012 44.685.000 12.68%
2013 52.665.000 15.15%
2014 53.168.000 0.95%
2015 37.855.000 -40.45%
2016 47.596.000 20.47%
2017 73.244.000 35.02%
2018 88.887.000 17.6%
2019 76.559.000 -16.1%
2020 50.098.000 -52.82%
2021 64.393.000 22.2%
2022 79.089.000 18.58%
2023 23.250.000 -240.17%
2023 268.437.000 91.34%
2024 24.163.000 -1010.94%

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.

Alliance Bank Malaysia Berhad Equity
Year Equity Growth
2005 1.747.331.000
2006 1.947.533.000 10.28%
2007 2.594.388.000 24.93%
2008 2.766.538.000 6.22%
2009 2.951.681.000 6.27%
2010 3.356.603.000 12.06%
2011 3.675.334.000 8.67%
2012 4.035.169.000 8.92%
2013 4.166.016.000 3.14%
2014 4.495.105.000 7.32%
2015 4.842.008.000 7.16%
2016 5.114.198.000 5.32%
2017 5.459.590.000 6.33%
2018 5.732.842.000 4.77%
2019 5.988.994.000 4.28%
2020 6.257.787.000 4.3%
2021 6.416.676.000 2.48%
2022 6.746.649.000 4.89%
2023 7.175.128.000 5.97%
2023 6.915.451.000 -3.76%
2024 7.171.913.000 3.58%

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.

Alliance Bank Malaysia Berhad Assets
Year Assets Growth
2005 23.581.197.000
2006 26.399.289.000 10.67%
2007 27.682.391.000 4.64%
2008 31.846.168.000 13.07%
2009 31.663.615.000 -0.58%
2010 36.071.936.000 12.22%
2011 39.603.485.000 8.92%
2012 43.692.029.000 9.36%
2013 48.074.694.000 9.12%
2014 53.141.521.000 9.53%
2015 55.627.043.000 4.47%
2016 54.089.064.000 -2.84%
2017 53.902.047.000 -0.35%
2018 56.520.851.000 4.63%
2019 60.975.460.000 7.31%
2020 60.721.195.000 -0.42%
2021 61.847.853.000 1.82%
2022 66.310.508.000 6.73%
2023 76.962.454.000 13.84%
2023 70.128.239.000 -9.75%
2024 78.638.821.000 10.82%

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.

Alliance Bank Malaysia Berhad Liabilities
Year Liabilities Growth
2005 21.833.866.000
2006 24.451.756.000 10.71%
2007 25.088.003.000 2.54%
2008 29.079.630.000 13.73%
2009 28.711.934.000 -1.28%
2010 32.715.333.000 12.24%
2011 35.928.151.000 8.94%
2012 39.656.860.000 9.4%
2013 43.908.678.000 9.68%
2014 48.646.416.000 9.74%
2015 50.785.035.000 4.21%
2016 48.974.866.000 -3.7%
2017 48.442.457.000 -1.1%
2018 50.788.009.000 4.62%
2019 54.986.466.000 7.64%
2020 54.463.408.000 -0.96%
2021 55.431.177.000 1.75%
2022 1.684.753.000 -3190.17%
2023 69.787.326.000 97.59%
2023 1.702.456.000 -3999.21%
2024 71.466.908.000 97.62%

Alliance Bank Malaysia Berhad Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.09
Net Income per Share
0.46
Price to Earning Ratio
9.4x
Price To Sales Ratio
2.08x
POCF Ratio
5.21
PFCF Ratio
6.55
Price to Book Ratio
0.94
EV to Sales
3.52
EV Over EBITDA
33.54
EV to Operating CashFlow
8.83
EV to FreeCashFlow
11.11
Earnings Yield
0.11
FreeCashFlow Yield
0.15
Market Cap
6,73 Bil.
Enterprise Value
11,41 Bil.
Graham Number
6.95
Graham NetNet
-47.52

Income Statement Metrics

Net Income per Share
0.46
Income Quality
1.67
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.76
EBT Per Ebit
3.24
Ebit per Revenue
0.09
Effective Tax Rate
0.24

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
0.29
Net Profit Margin
0.22

Dividends

Dividend Yield
0.05
Dividend Yield %
5.13
Payout Ratio
0.48
Dividend Per Share
0.22

Operating Metrics

Operating Cashflow per Share
0.84
Free CashFlow per Share
0.66
Capex to Operating CashFlow
0.21
Capex to Revenue
0.08
Capex to Depreciation
2.69
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
Days Sales Outstanding
128.44
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
2.84
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.17

Balance Sheet

Cash per Share
-3,08
Book Value per Share
4,63
Tangible Book Value per Share
4.33
Shareholders Equity per Share
4.63
Interest Debt per Share
6.01
Debt to Equity
1.16
Debt to Assets
0.11
Net Debt to EBITDA
13.74
Current Ratio
0.19
Tangible Asset Value
6,71 Bil.
Net Current Asset Value
-66,16 Bil.
Invested Capital
-22458155000
Working Capital
-23,29 Bil.
Intangibles to Total Assets
0.01
Average Receivables
1,12 Bil.
Average Payables
0,19 Bil.
Average Inventory
4757834000
Debt to Market Cap
1.24

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.

Alliance Bank Malaysia Berhad Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 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%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Alliance Bank Malaysia Berhad Profile

About Alliance Bank Malaysia Berhad

Alliance Bank Malaysia Berhad provides banking and related financial services in Malaysia. The company operates through Consumer Banking, Business Banking, Financial Markets, Stockbroking and Corporate Advisory, and Others segments. It accepts savings, current, fixed deposit, foreign currency, and business accounts. The company also offers personal and mortgage loans, and share and portfolio financing services; business loans, such as equipment, working capital, business premises, bridging, and palm oil plantation financing, as well as SME express loans; and trade financing services. In addition, it offers credit and debit cards; unit trust, dual currency, and structured investment products, as well as retail bonds; share trading services; life, general, commercial, and family takaful insurance products; and home safe, safe deposit box, withdrawal indemnity, debit and credit card indemnity, savings account indemnity, travel, commercial. Further, the company provides corporate advisory services, such as initial public offering, equity and debt fund raising, mergers, takeovers and acquisitions, corporate rationalization and restructuring, independent advice, transfer of listing, and other services; commercial papers and medium-term notes; and equity syndication services. Additionally, it offers Islamic banking; term loans, hire purchase facilities, and wealth management services; cash management services; treasury and structured solutions; foreign exchange, money market, and hedging and investment solutions; and online and phone banking, and e-payment services. Bank Malaysia Berhad was incorporated in 1982 and is headquartered in Kuala Lumpur, Malaysia.

CEO
Mr. Chee Khiong Kam
Employee
3.959
Address
Menara Multi-Purpose
Kuala Lumpur, 50100

Alliance Bank Malaysia Berhad Executives & BODs

Alliance Bank Malaysia Berhad Executives & BODs
# Name Age
1 Mr. Jacob Abraham
Group Chief Risk Officer
70
2 Mr. Ronnie Royston Fernandiz
Group Chief Financial Officer
70
3 Dr. Wei Wern Sum
Group Chief Strategy, Marketing & Business Development Officer
70
4 Ms. Mui Sim Tan
Group Chief Human Resource Officer
70
5 Mr. Eng Kiang Tan
Group Chief Financial Markets Officer
70
6 Mr. Seow Loong Fong
Group Chief Credit Officer
70
7 Ms. Pai Li Gan
Group Chief Consumer Banking Officer
70
8 Mr. Chee Khiong Kam
Group Chief Executive Officer
70
9 Mr. Kim Yihe Kong
Group Chief Operating Officer
70
10 Mr. Chye Seong Teh
Group Chief Compliance Officer
70

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