Allianz Malaysia Bhd (1163) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of Allianz Malaysia Bhd MYR 40.07, price MYR 20.86, upside +92.1%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range 9.54 MYR – 22.68 MYR · fair‑value band 32.21 MYR – 59.13 MYR · the 20.86 MYR price screens below the 40.07 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Allianz Malaysia Berhad, together with its subsidiaries, engages in the general and life insurance businesses in Malaysia.
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Allianz Malaysia Berhad, together with its subsidiaries, engages in the general and life insurance businesses in Malaysia. It offers personal insurance products, including life protection, medical and hospitalization, critical illness, personal accident, home, car and motorcycle, roadside assistance, travel, and living insurance, as well as savings, investment, and waivers products. The company also provides corporate insurance products, such as fire and property, marine, engineering and machine, liabilities, corporate motor, worker and employee benefits, and group personal accident insurance, as well as bonds products. In addition, it is involved in underwriting life and general insurance and investment-linked business; and investment in government debt securities and money market instruments. The company was formerly known as Allianz General Insurance Malaysia Berhad and changed its name to Allianz Malaysia Berhad in July 2007. Allianz Malaysia Berhad was founded in 1890 and is headquartered in Kuala Lumpur, Malaysia. Allianz Malaysia Berhad is a subsidiary of Allianz Asia Holding Pte. Ltd.
Stock analysis
Allianz Malaysia Bhd (1163) currently trades at 20.86 MYR, while our model-based Fair Value estimate is 40.07 MYR, implying the stock looks roughly 47.9% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 47.77 MYR per share, and 4 of the 6 models we run sit above the 20.86 MYR price.
Bear case: the Dividend Discount group reads lowest at 16.58 MYR, and 2 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 32.21 MYR (bear) to 59.13 MYR (bull), the price of 20.86 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 51/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Allianz Malaysia Bhd reported revenue of 7.0B MYR in FY2025 versus 5.7B MYR in FY2021, a compound +5.1%/yr. Reported net income was 959M MYR in FY2025, compounding +19.0%/yr from FY2021.
Key figures
Market cap 7.1B MYR (≈ $1.8B) · P/E ratio 7.4 · P/S ratio 1.01 · EPS (TTM) 2.83 MYR · Dividend yield 6.2% · Net margin 13.7% · Return on equity 15.5% · Return on assets (EBIT) 3.5%.
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 8% below its 52-week high and 24% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −24% fair-value upside, at 92%, 1163 screens cheaper than that median.
Fair Value models
Bear 32.21 MYRFair Value 40.07 MYRBull 59.13 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 2025 figures (about 9 months old). Earnings retained since then (2.12 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.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.
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.57/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+33.4%
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.
+24.7%
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 2020 (pandemic). Over 10 years: +5.8% a year
Revenue growth 19 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.
+45.3%
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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.
+20.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.5%
Dividend (yield on the price)6.2%
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.14.5% vs 12.1%, steady
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.13% → 17%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
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).
less than -40 %
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.
+4.6%
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 +2.6% a year for the forecasts.
Price, fair value, quality and upside side by side.
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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 - Diversified · 83 stocks
Beats the industry median on 11/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside+92.1% · Top 25%
Profitability
Return on equity (TTM)15.5% · Above median
Return on assets2.5% · Above median
Net margin (TTM)14.5% · Top 25%
Operating margin (TTM)17.3% · Above median
Growth and dividend
Revenue growth6.4% · Below median
Dividend yield (TTM)6.2% · Top 25%
Balance sheet
Debt / equity0.01× · Lowest 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Allianz Malaysia Bhd Fair Value". https://www.fairvalue-calculator.com/stock/1163
Frequently asked questions
Is Allianz Malaysia Bhd (1163) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 40.07 MYR versus a price of 20.86 MYR, about +92% upside (undervalued).
What is the fair value of 1163?
Our model-based fair value for Allianz Malaysia Bhd is 40.07 MYR (as of Sep 27, 2026), built from audited fundamentals. The current price: 20.86 MYR.
What is the quality score of 1163?
Allianz Malaysia Bhd has a Quality Score of 51/100. 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 Allianz Malaysia Bhd (1163)?
Our model-based price target is the fair value of 40.07 MYR (as of Sep 27, 2026) from 6 valuation models. Cautious scenario 32.21 MYR, optimistic scenario 59.13 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Allianz Malaysia Bhd stock forecast for 2026?
Our models put fair value at 40.07 MYR, about +92% upside versus a price of 20.86 MYR (undervalued). Cautious scenario 32.21 MYR, optimistic scenario 59.13 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Allianz Malaysia Bhd (1163)?
Allianz Malaysia Bhd reported trailing-twelve-month revenue of about 6.7B MYR (latest available figure, as of Sep 27, 2026).
Does Allianz Malaysia Bhd pay a dividend?
Allianz Malaysia Bhd currently shows a dividend yield of about 6.20% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Allianz Malaysia Bhd (1163)?
For today's price to be fair in a discounted-cash-flow model, Allianz Malaysia Bhd would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 11.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.2 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 1163 use?
Our models discount Allianz Malaysia Bhd at 11.1 %: a base by market capitalisation (small), damped by beta 0.16, 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 Allianz Malaysia Bhd that is less than minus 40 % per year a year over ten years, using the same discount rate (11.1 %) and the same formula as our fair value.
How much growth has Allianz Malaysia Bhd (1163) delivered so far?
Over the past 5 years revenue at Allianz Malaysia Bhd grew +4.2 % a year. The price currently implies less than minus 40 % 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 Allianz Malaysia Bhd (1163) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Allianz Malaysia Bhd (less than minus 40 % 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 Allianz Malaysia Bhd (1163)?
The free-cash-flow yield on the price is 0.43 %: that much free cash flow Allianz Malaysia Bhd produces per unit of market value. When it exceeds the discount rate of our models (11.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Allianz Malaysia Bhd (1163)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Allianz Malaysia Bhd it is 40.07 MYR per share (as of Sep 27, 2026), against a price of 20.86 MYR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Allianz Malaysia Bhd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 1163 trades below its calculated fair value: price 20.86 MYR, fair value 40.07 MYR, a gap of about +92% (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 1163?
No. The price is what the market pays today (20.86 MYR); the fair value is what the company's own numbers justify (40.07 MYR). For Allianz Malaysia Bhd the two are 19.21 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Allianz Malaysia Bhd worth?
The market values Allianz Malaysia Bhd at about 7.1B MYR (market capitalisation, as of Sep 27, 2026). Per share that is 20.86 MYR; our models calculate a fair value of 40.07 MYR per share.
What do the bullish and bearish scenarios say about 1163?
Our models span a range for Allianz Malaysia Bhd: cautious scenario 32.21 MYR, base 40.07 MYR, optimistic 59.13 MYR per share (as of Sep 27, 2026, price 20.86 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1163?
Allianz Malaysia Bhd trades at a price-to-earnings ratio of 7.4 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 40.07 MYR is built from several models across several years. Other multiples: PEG 0.4, P/B 1.1, P/S 1.1, EV/EBITDA 4.5.
What is the PEG ratio of 1163?
The PEG ratio of Allianz Malaysia Bhd is 0.39 (P/E divided by earnings growth, as of Sep 27, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Allianz Malaysia Bhd (1163)?
Balance-sheet figures for Allianz Malaysia Bhd (as of Sep 27, 2026): return on equity 15.5%, debt of 0.01 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is 1163 from its 52-week high?
Allianz Malaysia Bhd trades at 20.86 MYR, about 8% below its 52-week high of 22.68 MYR and 24% above the low of 16.88 MYR (as of Sep 29, 2026). Distance from the high says nothing about value: that is what the fair value of 40.07 MYR is for.
Which stocks are comparable to Allianz Malaysia Bhd?
From the same area (Financial Services) we also value Allianz SE, AXA SA, Zurich Insurance Group, Assicurazioni Generali S.p.A, 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 Allianz Malaysia Bhd stock attractive at the current price?
The data as of Sep 27, 2026: price 20.86 MYR, calculated fair value 40.07 MYR (+92%), Quality Score 51/100, 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 1163 calculated?
We run Allianz Malaysia 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 40.07 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 14.9 % above its aggregate fair value. Allianz Malaysia Bhd currently trades 48 % 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 Allianz Malaysia Bhd (1163)?
The closing price on Sep 29, 2026 was 20.86 MYR. Our model-based fair value is 40.07 MYR, about +92% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Allianz Malaysia Bhd right now?
The price is below even our cautious bear case (32.21 MYR). The market is more pessimistic than our downside scenario. Solid quality (51/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (32.21 MYR to 59.13 MYR) leaves room in how you read the outcome. 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 Allianz Malaysia Bhd (1163) come from?
Earnings per share at Allianz Malaysia Bhd grew +11.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.6 %, EBIT margin +6.2 %, tax rate +1.4 %, residual (interest, one-offs) +0.0 %. 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 Allianz Malaysia Bhd
How large is the market capitalisation of Allianz Malaysia Bhd (1163)?
The market capitalisation of Allianz Malaysia Bhd is 7.1B MYR (≈ $1.8B). 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 Allianz Malaysia Bhd (1163)?
The price-to-sales ratio of Allianz Malaysia Bhd is 1.01 (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 Allianz Malaysia Bhd (1163)?
Earnings per share at Allianz Malaysia Bhd are 2.83 MYR (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Allianz Malaysia Bhd (1163)?
The dividend yield of Allianz Malaysia Bhd is 6.2% (payout 45.7%). 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 Allianz Malaysia Bhd (1163)?
The net margin of Allianz Malaysia Bhd is 13.7% (fiscal year 2025). 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 Allianz Malaysia Bhd (1163)?
The return on equity (ROE) of Allianz Malaysia Bhd is 15.5% (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 Allianz Malaysia Bhd (1163)?
On an EBIT basis the return on assets of Allianz Malaysia Bhd is 3.5% (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 Allianz Malaysia Bhd (1163)?
The operating margin of Allianz Malaysia Bhd is 17.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Allianz Malaysia Bhd (1163)?
Revenue at Allianz Malaysia Bhd is growing +6.4% versus a year earlier (3y avg +24.7%). 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 Allianz Malaysia Bhd (1163)?
Earnings per share at Allianz Malaysia Bhd are growing +6.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Allianz Malaysia Bhd (1163) hold?
Allianz Malaysia Bhd holds more cash than debt, 1.8B MYR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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