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AMMB Holdings Bhd (1015) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of AMMB Holdings Bhd stock MYR 5.85, price MYR 6.65, that is 12.0% below the price, quality 62 out of 100. Rating: overvalued. 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 MYL1015OO006

AH AMMB Holdings Bhd logo Broad data Nov 2, 2026

AMMB Holdings Bhd

1015 · KLSE
Solid, but expensive

Our calculation puts a fair price 12% below what the stock costs today.

Quality 62/100
Healthy Growth (revenue 5y +4.2 %/yr in MYR)
Highly profitable · 41.8% net margin (TTM)
5.3% dividend yield · Low payout
Ranks above peers (10/15)
Broad data
Wide moat 67/100 · thin data
Fair value 5.85 MYR · Overvalued (−12.0%)
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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

7.37 MYR 2.24 MYR Fair Value 5.85 MYR Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.

How to read this chart

60‑month range 2.24 MYR – 7.37 MYR · fair‑value band 4.86 MYR – 6.58 MYR · the 6.65 MYR price screens above the 5.85 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.

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Company profile

AMMB Holdings Berhad, an investment holding company, provides various financial products and services to retail, corporate, and institutional clients in Malaysia.

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The company offers deposit products comprising saving, current, hybrid current, fixed deposit, treasury deposits, and foreign currency accounts; car, home, and business loans; ASB/ASB2, personal, and green financing; credit and debit cards; wealth management, such as unit trust, direct bond/sukuk, and will/wasiat writing; equities; online and mobile banking; financing solutions, such as general working capital, project/contract financing, asset acquisition, and guarantee and BNM funded schemes; fund, cash, and asset management; and payroll, digital, domestic and cross-border, merchant business, hedging, and green solutions.

It also provides corporate lending and trade finance; offshore, commercial, wholesale, business, SME, retail, investment, Islamic, transaction, priority, and private banking services; mergers and acquisitions advisory; equity and debt capital market; treasury and market solutions, such as fx and rates management, fixed income investment, equity derivatives, and structured products; stock and futures broking; investment advisory; and repayment assistance services.

In addition, the company sells and trades in fixed income, interest rates, foreign exchange, money market, equity derivatives, commodities, and other derivatives; manages real estate investment and unit trusts, private retirement, and customer loyalty schemes; distributes Islamic wholesale funds; invests in real estate properties; securitizes mortgage loans; outsources servicers for mortgage related activities; nominee services; and provides bancassurance, general and life insurance, and family takaful products.

AMMB Holdings Berhad was founded in 1975 and is headquartered in Kuala Lumpur, Malaysia.

Stock analysis

AMMB Holdings Bhd (1015) currently trades at 6.65 MYR, while our model-based Fair Value estimate is 5.85 MYR, 12% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 6.48 MYR per share, and 1 of the 6 models we run sit above the 6.65 MYR price.

Bear case: the Dividend Discount group reads lowest at 3.42 MYR, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 4.86 MYR (bear) to 6.58 MYR (bull), the price of 6.65 MYR sits above 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 62/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

AMMB Holdings Bhd reported revenue of 8.8B MYR in FY2026 versus 5.6B MYR in FY2022, a compound +12.2%/yr. Reported net income was 2.1B MYR in FY2026, compounding +8.7%/yr from FY2022.

Key figures

Market cap 22.0B MYR (≈ $5.4B) Mid · P/E ratio 10.4 · P/S ratio 4.37 · EPS (TTM) 0.6400 MYR · Dividend yield 5.3% · Net margin 41.8% · Return on equity 10.0% · Return on assets (EBIT) 1.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).

What moves the price

The share trades about 10% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −12%, 1015 screens cheaper than that median.

Fair Value models

Bear 4.86 MYR Fair Value 5.85 MYR Bull 6.58 MYR
Price 6.65 MYR · Downside -12.0%
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 2026 figures (about 7 months old). Earnings retained since then (0.1764 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 5.42 MYR 5.85 MYR 6.58 MYR 76
Gordon GGM 2.52 MYR 3.47 MYR 4.34 MYR 69
DDM Multi-Stage 2.52 MYR 3.37 MYR 4.23 MYR 67
All 6 models by family
Dividend Discount
Gordon GGM 2.52 MYR 3.47 MYR 4.34 MYR 69
DDM Multi-Stage 2.52 MYR 3.37 MYR 4.23 MYR 67
Multiples
P/E Multiple 6.18 MYR 8.25 MYR 10.31 MYR 63
P/B Multiple 3.54 MYR 4.71 MYR 5.89 MYR 55
Asset-Based
NCAV (Graham) 3.19 MYR 4.28 MYR 6.39 MYR 54
Economic Profit
Residual Income 5.42 MYR 5.85 MYR 6.58 MYR 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 62/100

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

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 53
Are margins and returns getting better?
Cashflow 92
Do the profits arrive as real cash?
Financial strength 14
Debt, balance sheet and risk of trouble
Investment 87
Does it invest with discipline instead of growing at any price?
Low Volatility 91
How calm the share price moves, does not count
Price momentum 44
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 60
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

Open the full quality analysis →

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. 72/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.2%
Start year 2021 (pandemic). Over 10 years: +2.2% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.6%
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.
+12.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.1%
Dividend (yield on the price)5.3%
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.7.1% vs 3.7%, picking up
Profit margin 2021 to 2026 ⓘ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.−49% → 31%
Pace: the 5-year rate starts in 2021 (pandemic)

1015 screens overvalued: fair value 12% below the price. Compare with China Merchants Bank Co →

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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.Banks - Regional · 998 stocks

Beats the industry median on 10/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 62 · Top 25%
Fair Value upside −12.0% · Above median
Profitability
Return on equity (12 months) 10.0% · Below median
Return on assets 1.0% · Above median
Net margin (12 months) 41.8% · Top 25%
Operating margin (12 months) 55.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 3.1% · Below median
Dividend yield (12 months) 5.3% · Top 25%
Balance sheet
Debt / equity 0.86× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.4× · Cheaper than median
P/B 1.02× · Cheaper than median
P/S (12 months) 4.37× · Priciest 25%
Price / free cash flow (fiscal year) 5.3× · Cheapest 25%
EV/EBITDA 11.1× · Pricier than median
PEG 1.36× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)17 · sector 8
FUTURE (revenue growth)16 · sector 47
PAST (return on equity)40 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 53

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 Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs 1015
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs 1015
BNP Paribas SA BNP €91.93 €106.01 +15% vs 1015
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs 1015
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs 1015
UniCredit S.p.A UCG €76.80 €50.44 −34% vs 1015
Mizuho Financial Group MFG $9.40 $5.90 −37% vs 1015
DBS Group D05 69.72 SGD 40.39 SGD −42% vs 1015
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs 1015
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs 1015

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AMMB Holdings Bhd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "AMMB Holdings Bhd Fair Value". https://www.fairvalue-calculator.com/stock/1015

Frequently asked questions

Is AMMB Holdings Bhd (1015) overvalued or undervalued?
As of Nov 2, 2026, our model estimates a fair value of 5.85 MYR versus a price of 6.65 MYR, about 12% lower (overvalued).
What is the fair value of 1015?
Our model-based fair value for AMMB Holdings Bhd is 5.85 MYR (as of Nov 2, 2026), built from audited fundamentals. The current price: 6.65 MYR.
What is the quality score of 1015?
AMMB Holdings Bhd has a Quality Score of 62/100. 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 AMMB Holdings Bhd (1015)?
Our model-based price target is the fair value of 5.85 MYR (as of Nov 2, 2026) from 6 valuation models. Cautious scenario 4.86 MYR, optimistic scenario 6.58 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the AMMB Holdings Bhd stock forecast for 2026?
Our models put fair value at 5.85 MYR, about 12% lower versus a price of 6.65 MYR (overvalued). Cautious scenario 4.86 MYR, optimistic scenario 6.58 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of AMMB Holdings Bhd (1015)?
AMMB Holdings Bhd reported trailing-twelve-month revenue of about 5.0B MYR (latest available figure, as of Nov 2, 2026).
Does AMMB Holdings Bhd pay a dividend?
AMMB Holdings Bhd currently shows a dividend yield of 5.26% relative to its recent price (as of Nov 2, 2026).
How much is the dividend of AMMB Holdings Bhd (1015) and when is the ex-dividend date?
AMMB Holdings Bhd pays a dividend of 0.35 MYR per share a year, a dividend yield of 5.3%. The last ex-dividend date was Jun 15, 2026. A dividend has been paid every year since 2022. The payout ratio is 54.7% 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 AMMB Holdings Bhd (1015)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AMMB Holdings Bhd it is 5.85 MYR per share (as of Nov 2, 2026), against a price of 6.65 MYR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is AMMB Holdings Bhd stock overvalued or undervalued in 2026?
As of Nov 2, 2026, 1015 trades above its calculated fair value: price 6.65 MYR, fair value 5.85 MYR, a gap of about −12% (overvalued). 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 1015?
No. The price is what the market pays today (6.65 MYR); the fair value is what the company's own numbers justify (5.85 MYR). For AMMB Holdings Bhd the two are 0.8000 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is AMMB Holdings Bhd worth?
The market values AMMB Holdings Bhd at about 22.0B MYR (market capitalisation, as of Nov 2, 2026). Per share that is 6.65 MYR; our models calculate a fair value of 5.85 MYR per share.
What do the bullish and bearish scenarios say about 1015?
Our models span a range for AMMB Holdings Bhd: cautious scenario 4.86 MYR, base 5.85 MYR, optimistic 6.58 MYR per share (as of Nov 2, 2026, price 6.65 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1015?
AMMB Holdings Bhd trades at a price-to-earnings ratio of 10.4 (as of Nov 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 5.85 MYR is built from several models across several years. Other multiples: PEG 1.4, P/B 1.0, P/S 4.4, EV/EBITDA 11.1.
What is the PEG ratio of 1015?
The PEG ratio of AMMB Holdings Bhd is 1.36 (P/E divided by earnings growth, as of Nov 2, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of AMMB Holdings Bhd (1015)?
Balance-sheet figures for AMMB Holdings Bhd (as of Nov 2, 2026): return on equity 10.0%, debt of 0.86 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is 1015 from its 52-week high?
AMMB Holdings Bhd trades at 6.65 MYR, about 10% below its 52-week high of 7.37 MYR and 23% above the low of 5.42 MYR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 5.85 MYR is for.
Which stocks are comparable to AMMB Holdings Bhd?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 AMMB Holdings Bhd stock attractive at the current price?
The data as of Nov 2, 2026: price 6.65 MYR, calculated fair value 5.85 MYR (−12%), Quality Score 62/100, 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 1015 calculated?
We run AMMB 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 5.85 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 13.0% above its aggregate fair value. AMMB Holdings Bhd itself currently trades above fair value. 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 AMMB Holdings Bhd (1015)?
The closing price on Nov 6, 2026 was 6.65 MYR. Our model-based fair value is 5.85 MYR, about 12% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AMMB Holdings Bhd right now?
Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of AMMB Holdings Bhd (1015) come from?
Earnings per share at AMMB Holdings Bhd grew +2.0 % a year from 2015 to 2026. Broken into its drivers: revenue per share +0.9 %, EBIT margin −0.5 %, tax rate +1.0 %, residual (interest, one-offs) +0.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of AMMB Holdings Bhd

How large is the market capitalisation of AMMB Holdings Bhd (1015)?
The market capitalisation of AMMB Holdings Bhd is 22.0B MYR (≈ $5.4B). 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 AMMB Holdings Bhd (1015)?
The price-to-sales ratio of AMMB Holdings Bhd is 4.37 (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 AMMB Holdings Bhd (1015)?
Earnings per share at AMMB Holdings Bhd are 0.6400 MYR (price ÷ EPS = P/E 10.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of AMMB Holdings Bhd (1015)?
The dividend yield of AMMB Holdings Bhd is 5.3% (payout 54.7%). 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 AMMB Holdings Bhd (1015)?
The net margin of AMMB Holdings Bhd is 41.8% (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 AMMB Holdings Bhd (1015)?
The return on equity (ROE) of AMMB Holdings Bhd is 10.0% (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 AMMB Holdings Bhd (1015)?
On an EBIT basis the return on assets of AMMB Holdings Bhd is 1.1% (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 AMMB Holdings Bhd (1015)?
The operating margin of AMMB Holdings Bhd is 55.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AMMB Holdings Bhd (1015)?
Revenue at AMMB Holdings Bhd is growing +3.1% versus a year earlier (3y avg +6.8%). 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 AMMB Holdings Bhd (1015)?
Earnings per share at AMMB Holdings Bhd are growing +0.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does AMMB Holdings Bhd (1015) generate?
The free cash flow of AMMB Holdings Bhd is 4.2B MYR (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does AMMB Holdings Bhd (1015) carry?
The net debt of AMMB Holdings Bhd is 23.0B MYR (fiscal year 2026, ≈ 5.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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