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Manulife Holdings Bhd (1058) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Manulife Holdings Bhd stock MYR 4.50, price MYR 2.25, upside +100.0%, quality 48 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services MY · ISIN MYL1058OO006

MH Manulife Holdings Bhd logo Thin data Nov 8, 2026

Manulife Holdings Bhd

1058 · KLSE
Cheap, value-trap risk

The stock costs 50% less than our calculation considers fair.

Fair value 4.50 MYR · Strongly undervalued
Solidly profitable · 15.9% net margin (TTM)
4.0% dividend yield · Low payout
Ranks above peers (11/13)
Costs just 4.6 times its yearly profit.
Quality 48/100
Moderate moat 57/100 · thin data
Weak Growth (revenue YoY −0.2 %/yr in MYR)
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

2.60 MYR 1.48 MYR Fair Value 4.50 MYR May 2020 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range 1.48 MYR – 2.60 MYR · fair‑value band 3.38 MYR – 5.12 MYR · the 2.25 MYR price screens below the 4.50 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Manulife Holdings Berhad, an investment holding company, underwrites participating and non-participating life insurance and unit-linked products in Malaysia. The company operates through Investment Holding; Life Insurance; and Asset Management Services segments.

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It offers various insurance products and services, such as life, health, savings and retirement, and investment linked plan; life insurance broking services; SME business solutions; and bancassurance products, private retirement schemes, and unit trust funds.

The company also provides investment, and fund management services, as well as property rental and management services; and invests in money market funds, and corporate and sovereign bonds, as well as rents and manages property.

The company was formerly known as Manulife Insurance (Malaysia) Berhad and changed its name to Manulife Holdings Berhad in October 2008. The company was founded in 1963 and is headquartered in Kuala Lumpur, Malaysia.

Manulife Holdings Berhad is a subsidiary of Manulife Century Holdings (Netherlands) B.V.

Stock analysis

Manulife Holdings Bhd (1058) currently trades at 2.25 MYR, while our model-based Fair Value estimate is 4.50 MYR, implying the stock looks roughly 50% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 4.98 MYR per share, and 4 of the 6 models we run sit above the 2.25 MYR price.

Bear case: the Asset-Based group reads lowest at 3.56 MYR, and 2 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 3.38 MYR (bear) to 5.12 MYR (bull), the price of 2.25 MYR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak, negative or inconsistent.

Manulife Holdings Bhd reported revenue of 720M MYR in FY2025 versus 1.3B MYR in FY2021, a compound −13.9%/yr. Reported net income was 118M MYR in FY2025, compounding +8.0%/yr from FY2021.

Key figures

Market cap 541M MYR (≈ $133M) Micro · P/E ratio 4.6 · P/S ratio 0.72 · EPS (TTM) 0.4900 MYR · Dividend yield 4.0% · Net margin 15.9% · Return on equity 8.2% · Return on assets (EBIT) 2.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (low confidence).

What moves the price

The share trades about 13% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 100%, 1058 screens cheaper than that median.

Fair Value models

Bear 3.38 MYR Fair Value 4.50 MYR Bull 5.12 MYR
Price 2.25 MYR · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.3430 MYR per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 4.75 MYR 4.98 MYR 5.37 MYR 76
Gordon GGM 0.1400 MYR 0.1500 MYR 0.1600 MYR 69
DDM Multi-Stage 0.1400 MYR 0.1600 MYR 0.1900 MYR 67
All 6 models by family
Dividend Discount
Gordon GGM 0.1400 MYR 0.1500 MYR 0.1600 MYR 69
DDM Multi-Stage 0.1400 MYR 0.1600 MYR 0.1900 MYR 67
Multiples
P/E Multiple 4.82 MYR 6.43 MYR 8.03 MYR 63
P/B Multiple 2.26 MYR 3.01 MYR 3.76 MYR 55
Asset-Based
NCAV (Graham) 2.65 MYR 3.56 MYR 5.31 MYR 51
Economic Profit
Residual Income 4.75 MYR 4.98 MYR 5.37 MYR 76

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Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 28
How much profit the company makes from its sales and capital
Quality Growth 31
Are margins and returns getting better?
Cashflow 66
Do the profits arrive as real cash?
Financial strength 13
Debt, balance sheet and risk of trouble
Investment 75
Does it invest with discipline instead of growing at any price?
Low Volatility 81
How calm the share price moves, does not count
Price momentum 46
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 43
Distance to the 52-week high, does not count
New shares 73
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue growth is weak, negative or inconsistent.
What shareholders gained per year (last 5 years), in MYR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in MYR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+26.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+22.2%
Dividend (yield on the price)4.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.22.2% vs 9.5%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−1% → 26%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 5.7%/yr over ~8Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 77 stocks

Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside +100.0% · Top 25%
Profitability
Return on equity (12 months) 8.2% · Below median
Return on assets 1.5% · Above median
Net margin (12 months) 15.9% · Above median
Operating margin (12 months) 24.7% · Above median
Growth and dividend
Revenue growth (quarter YoY) 11.3% · Above median
Dividend yield (12 months) 4.0% · Above median

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/E (12 months) 4.6× · Cheapest 25%
P/B 0.36× · Cheapest 25%
P/S (12 months) 0.72× · Cheapest 25%
Price / free cash flow (fiscal year) 4.8× · Cheaper than median
EV/EBITDA 1.3× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 7
FUTURE (revenue growth)57 · sector 37
PAST (return on equity)33 · sector 48
HEALTH (low debt)–
DIVIDEND (yield)80 · sector 56

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Ping An Insurance (Group) Company 601318 ¥54.50 ¥66.91 +23% vs 1058
China Life Insurance Company 601628 ¥35.51 ¥40.47 +14% vs 1058
Life Insurance Corporation LICI ₹394.00 ₹299.42 −24% vs 1058
Cathay Financial Holding 2882 111.00 TWD 71.53 TWD −36% vs 1058
Manulife Financial Corporation MFC $43.24 $26.70 −38% vs 1058
Fubon Financial Holding 2881 148.00 TWD 86.48 TWD −42% vs 1058
Aflac Incorporated AFL $124.06 $67.30 −46% vs 1058
AIA Group 1299 HK$78.45 HK$41.63 −47% vs 1058
MetLife, Inc MET $98.27 $48.73 −50% vs 1058
Great-West Lifeco Inc GWO C$90.17 C$41.90 −54% vs 1058

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Manulife Holdings Bhd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Manulife Holdings Bhd Fair Value". https://www.fairvalue-calculator.com/stock/1058

Frequently asked questions

Is Manulife Holdings Bhd (1058) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 4.50 MYR versus a price of 2.25 MYR, about +100% upside (undervalued).
What is the fair value of 1058?
Our model-based fair value for Manulife Holdings Bhd is 4.50 MYR (as of Nov 8, 2026), built from audited fundamentals. The current price: 2.25 MYR.
What is the quality score of 1058?
Manulife Holdings Bhd has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Manulife Holdings Bhd (1058)?
Our model-based price target is the fair value of 4.50 MYR (as of Nov 8, 2026) from 6 valuation models. Cautious scenario 3.38 MYR, optimistic scenario 5.12 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Manulife Holdings Bhd stock forecast for 2026?
Our models put fair value at 4.50 MYR, about +100% upside versus a price of 2.25 MYR (undervalued). Cautious scenario 3.38 MYR, optimistic scenario 5.12 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Manulife Holdings Bhd (1058)?
Manulife Holdings Bhd reported trailing-twelve-month revenue of about 754M MYR (latest available figure, as of Nov 8, 2026).
Does Manulife Holdings Bhd pay a dividend?
Manulife Holdings Bhd currently shows a dividend yield of 4.00% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Manulife Holdings Bhd (1058) and when is the ex-dividend date?
Manulife Holdings Bhd pays a dividend of 0.09 MYR per share a year, a dividend yield of 4.0%. The last ex-dividend date was Jun 26, 2026. A dividend has been paid every year since at least 1994. The payout ratio is 18.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Manulife Holdings Bhd (1058)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Manulife Holdings Bhd it is 4.50 MYR per share (as of Nov 8, 2026), against a price of 2.25 MYR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Manulife Holdings Bhd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, 1058 trades below its calculated fair value: price 2.25 MYR, fair value 4.50 MYR, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 1058?
No. The price is what the market pays today (2.25 MYR); the fair value is what the company's own numbers justify (4.50 MYR). For Manulife Holdings Bhd the two are 2.25 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Manulife Holdings Bhd worth?
The market values Manulife Holdings Bhd at about 541M MYR (market capitalisation, as of Nov 8, 2026). Per share that is 2.25 MYR; our models calculate a fair value of 4.50 MYR per share.
What do the bullish and bearish scenarios say about 1058?
Our models span a range for Manulife Holdings Bhd: cautious scenario 3.38 MYR, base 4.50 MYR, optimistic 5.12 MYR per share (as of Nov 8, 2026, price 2.25 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1058?
Manulife Holdings Bhd trades at a price-to-earnings ratio of 4.6 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 4.50 MYR is built from several models across several years. Other multiples: P/B 0.4, P/S 0.7, EV/EBITDA 1.3.
How solid is the balance sheet of Manulife Holdings Bhd (1058)?
Balance-sheet figures for Manulife Holdings Bhd (as of Nov 8, 2026): return on equity 8.2%. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is 1058 from its 52-week high?
Manulife Holdings Bhd trades at 2.25 MYR, about 13% below its 52-week high of 2.60 MYR and 12% above the low of 2.01 MYR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 4.50 MYR is for.
Which stocks are comparable to Manulife Holdings Bhd?
From the same area (Financial Services) we also value Ping An Insurance (Group) Company, China Life Insurance Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Manulife Holdings Bhd stock attractive at the current price?
The data as of Nov 8, 2026: price 2.25 MYR, calculated fair value 4.50 MYR (+100%), Quality Score 48/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 1058 calculated?
We run Manulife Holdings Bhd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 4.50 MYR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Manulife Holdings Bhd currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Manulife Holdings Bhd (1058)?
The closing price on Nov 6, 2026 was 2.25 MYR. Our model-based fair value is 4.50 MYR, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Manulife Holdings Bhd right now?
The large discount to fair value meets weak quality (48/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (3.38 MYR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Manulife Holdings Bhd

How large is the market capitalisation of Manulife Holdings Bhd (1058)?
The market capitalisation of Manulife Holdings Bhd is 541M MYR (≈ $133M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Manulife Holdings Bhd (1058)?
The price-to-sales ratio of Manulife Holdings Bhd is 0.72 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Manulife Holdings Bhd (1058)?
Earnings per share at Manulife Holdings Bhd are 0.4900 MYR (price ÷ EPS = P/E 4.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Manulife Holdings Bhd (1058)?
The dividend yield of Manulife Holdings Bhd is 4.0% (payout 18.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Manulife Holdings Bhd (1058)?
The net margin of Manulife Holdings Bhd is 15.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Manulife Holdings Bhd (1058)?
The return on equity (ROE) of Manulife Holdings Bhd is 8.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Manulife Holdings Bhd (1058)?
On an EBIT basis the return on assets of Manulife Holdings Bhd is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Manulife Holdings Bhd (1058)?
The operating margin of Manulife Holdings Bhd is 24.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Manulife Holdings Bhd (1058)?
Revenue at Manulife Holdings Bhd is growing +11.3% versus a year earlier (3y avg −11.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Manulife Holdings Bhd (1058)?
Earnings per share at Manulife Holdings Bhd are growing −23.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Manulife Holdings Bhd (1058) generate?
The free cash flow of Manulife Holdings Bhd is 113M MYR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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