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

As of Sep 23, 2026: fair value of AMMB Holdings Bhd MYR 6.25, price MYR 6.62, upside -5.6%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? Yes
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Financial Services · MY · ISIN MYL1015OO006

Broad data Sep 24, 2026

AMMB Holdings Bhd

1015 · KLSE

NeutralThe stock looks roughly fairly valued with average quality.

·Fair value 6.25 MYR · Fairly valued (−6%)

!Quality 60/100

✓Healthy Growth (revenue 5y +4.2 %/yr)

✓Highly profitable · 42.0% net margin (TTM)

✓Moderate debt · generates free cash flow

·5.29% dividend yield

✓Ranks above peers (12/15)

✓Wide moat 66/100

!Insider activity 35/100

!Weak on valuation: 26 out of 100

!Weak on future: 29 out of 100

26 models, one by oneBear 5.67 MYR to bull 8.69 MYR Growth analysisrevenue history, year by year Quality 60/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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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

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range 2.23 MYR – 7.37 MYR · fair‑value band 5.67 MYR – 8.69 MYR · the 6.62 MYR price screens above the 6.25 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 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.

AMMB Holdings Berhad, an investment holding company, provides various financial products and services to retail, corporate, and institutional clients in Malaysia. 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 6.62 MYR, while our model-based Fair Value estimate is 6.25 MYR, implying the stock looks roughly 5.9% fairly valued today.

Valuation

Bull case: the Multiples group reads highest at a median of 8.24 MYR per share, and 2 of the 6 models we run sit above the 6.62 MYR price.

Bear case: the Dividend Discount group reads lowest at 4.24 MYR, and 4 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: 5.67 MYR (bear) to 8.69 MYR (bull), the price of 6.62 MYR sits inside 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 60/100 (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 21.9B MYR (≈ $5.4B) · P/E ratio 10.3 · P/S ratio 2.47 · EPS (TTM) 0.6400 MYR · Dividend yield 5.3% · Net margin 23.9% · Return on equity 10.0% · Return on assets (EBIT) 1.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 10% below its 52-week high and 26% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −6%, 1015 screens cheaper than that median.

Fair Value models

Bear 5.67 MYR Fair Value 6.25 MYR Bull 8.69 MYR

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (0.1406 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. Evidence ⓘEvidence = 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.

Highest evidence

Residual Income 5.71 MYR 6.31 MYR 9.04 MYR 76

Gordon GGM 2.98 MYR 4.41 MYR 5.90 MYR 69

DDM Multi-Stage 2.98 MYR 4.24 MYR 5.67 MYR 67

All 6 models by family

Dividend Discount

Gordon GGM 2.98 MYR 4.41 MYR 5.90 MYR 69

DDM Multi-Stage 2.98 MYR 4.24 MYR 5.67 MYR 67

Multiples

P/E Multiple 6.18 MYR 8.24 MYR 10.30 MYR 63

P/B Multiple 6.85 MYR 9.14 MYR 11.42 MYR 55

Asset-Based

NCAV (Graham) 3.26 MYR 4.37 MYR 6.53 MYR 54

Economic Profit

Residual Income 5.71 MYR 6.31 MYR 9.04 MYR 76

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Quality Score breakdown

Overall quality 60/100

Of which business quality 56 · Market factors (momentum, volatility) 68

Profitability 34

Margins and returns on capital today

Quality Growth 53

Are margins and returns improving?

Cashflow 92

Earnings quality: real cash, not paper profit

Fin. Strength 14

Balance sheet, leverage, solvency risk

Investment 87

Disciplined investing over empire-building

Low Volatility 93

Calm price path (market factor)

Momentum 54

Price trend over the last 3–12 months (market factor)

52W Momentum 64

Distance to the 52-week high (market factor)

Net Issuance 81

Share count: buybacks or dilution?

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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. 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%

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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% vs 4%, 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%

Start year 2021 (pandemic)

Growth Forecast

A lot of optimism in the price

The price assumes less growth than the company has delivered so far and more than analysts expect.

What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).

−2.4%

Yearly growth needed for the next five years to justify today's price.

What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.

−6.4%

Yearly sales growth analysts expect, extended to five years.

After inflation (Malaysia: IMF forecast 2.0% a year to 2030, 1.8% from 2016 to 2025) that is about −4.3% a year for the price and −8.2% for the forecasts.

Forecast 2027 (sales)−39.0%

Forecast 2028 (sales)+4.7%

Projected 2029 (sales)+4.3%

Projected 2030 (sales)+4.0%

Projected 2031 (sales)+3.7%

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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 · 1074 stocks

Beats the industry median on 12/15 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 61 · Top 25%

Fair Value upside −6% · Above median

Profitability

Return on equity (TTM) 10% · Below median

Return on assets 1% · Above median

Net margin (TTM) 42% · Top 25%

Operating margin (TTM) 54% · Top 25%

Growth and dividend

Revenue growth 6% · Below median

Dividend yield (TTM) 5.3% · Top 25%

Balance sheet

Debt / equity 0.86× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 10.3× · Cheaper than median

P/B 0.25× · Cheapest 25%

P/S (TTM) 1.08× · Cheapest 25%

P/FCF 1.3× · Cheaper than median

EV/EBITDA 5.3× · Cheapest 25%

PEG 1.06× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)26 · sector 12

FUTURE (revenue growth)29 · sector 45

PAST (return on equity)40 · sector 41

HEALTH (low debt)57 · sector 85

DIVIDEND (yield)100 · sector 53

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
DBS Group D05	77.80 SGD	40.48 SGD	−48%
China Merchants Bank Co 3968	HK$51.65	HK$64.29	+24%
Intesa Sanpaolo S.p.A ISP	€6.73	€4.04	−40%
HDFC Bank Limited HDFCBANK	₹738.60	₹418.52	−43%
BNP Paribas SA BNP	€101.30	€105.99	+5%
UniCredit S.p.A UCG	€83.28	€77.62	−7%
Mizuho Financial Group MFG	$10.87	$6.75	−38%
ICICI Bank Limited ICICIBANK	₹1,340	₹636.31	−53%
The PNC Financial Services Group PNC	$227.96	$159.52	−30%
Oversea-Chinese Banking Corporation O39	32.14 SGD	19.80 SGD	−38%

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AMMB Holdings Bhd · Fair Value
6.25 MYR −6%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/1015" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">AMMB Holdings Bhd · Fair Value</span><br><b style="font-size:20px">6.25 MYR</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−6%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

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 Sep 24, 2026, our model estimates a fair value of 6.25 MYR versus a price of 6.62 MYR, about −6% upside (fairly valued).

What is the fair value of 1015?

Our model-based fair value for AMMB Holdings Bhd is 6.25 MYR (as of Sep 24, 2026), built from audited fundamentals. The current price: 6.62 MYR.

What is the quality score of 1015?

AMMB Holdings Bhd has a Quality Score of 60/100. 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 6.25 MYR (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 5.67 MYR, optimistic scenario 8.69 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 6.25 MYR, about −6% upside versus a price of 6.62 MYR (fairly valued). Cautious scenario 5.67 MYR, optimistic scenario 8.69 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 Sep 24, 2026).

Does AMMB Holdings Bhd pay a dividend?

AMMB Holdings Bhd currently shows a dividend yield of about 5.29% relative to its recent price (as of Sep 24, 2026).

What growth is priced into AMMB Holdings Bhd (1015)?

For today's price to be fair in a discounted-cash-flow model, AMMB Holdings Bhd would have to grow free cash flow by -2.4 % per year for five years (discount rate 9.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.2 % per year. As of Sep 24, 2026.

What discount rate (WACC) does the fair value of 1015 use?

Our models discount AMMB Holdings Bhd at 9.2 %: a base by market capitalisation (large), damped by beta 0.01, country premium for Malaysia. The same rate applies in all 26 models.

What is a reverse DCF?

A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For AMMB Holdings Bhd that is -2.4 % per year a year over ten years, using the same discount rate (9.2 %) and the same formula as our fair value.

How much growth has AMMB Holdings Bhd (1015) delivered so far?

Over the past 5 years revenue at AMMB Holdings Bhd grew +4.2 % a year. The price currently implies -2.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.

How fast is the sector of AMMB Holdings Bhd (1015) growing?

The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into AMMB Holdings Bhd (-2.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.

What is the free cash flow yield of AMMB Holdings Bhd (1015)?

The free-cash-flow yield on the price is 18.96 %: that much free cash flow AMMB Holdings Bhd produces per unit of market value. When it exceeds the discount rate of our models (9.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.

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 6.25 MYR per share (as of Sep 24, 2026), against a price of 6.62 MYR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).

Is AMMB Holdings Bhd stock overvalued or undervalued in 2026?

As of Sep 24, 2026, 1015 trades above its calculated fair value: price 6.62 MYR, fair value 6.25 MYR, a gap of about −6% (fairly valued). 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 (6.62 MYR); the fair value is what the company's own numbers justify (6.25 MYR). For AMMB Holdings Bhd the two are 0.3700 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 21.9B MYR (market capitalisation, as of Sep 24, 2026). Per share that is 6.62 MYR; our models calculate a fair value of 6.25 MYR per share.

What do the bullish and bearish scenarios say about 1015?

Our models span a range for AMMB Holdings Bhd: cautious scenario 5.67 MYR, base 6.25 MYR, optimistic 8.69 MYR per share (as of Sep 24, 2026, price 6.62 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 10.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 6.25 MYR is built from several models across several years. Other multiples: PEG 1.1, P/B 0.3, P/S 1.1, EV/EBITDA 5.3.

What is the PEG ratio of 1015?

The PEG ratio of AMMB Holdings Bhd is 1.06 (P/E divided by earnings growth, as of Sep 24, 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 Sep 24, 2026): return on equity 10.0%, debt of 0.86 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.

How far is 1015 from its 52-week high?

AMMB Holdings Bhd trades at 6.62 MYR, about 10% below its 52-week high of 7.37 MYR and 26% above the low of 5.25 MYR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 6.25 MYR is for.

Which stocks are comparable to AMMB Holdings Bhd?

From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 24, 2026: price 6.62 MYR, calculated fair value 6.25 MYR (−6%), Quality Score 60/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 6.25 MYR, 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 14.1 % 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 Sep 23, 2026 was 6.62 MYR. Our model-based fair value is 6.25 MYR, about −6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with AMMB Holdings Bhd right now?

The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 21.9B 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 2.47 (P/E × margin). 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 10.3). 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 23.9% (fiscal year 2026). 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 54.0% (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 +5.8% 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 +1.2% versus a year earlier. How much earnings per share grew versus a year earlier.

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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