Public Bank Bhd (1295) fair value: what the stock is really worth
We calculate from audited financials what Public Bank Bhd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 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 18, 2026.
How to read this chart
60‑month range 3.15 MYR – 5.28 MYR · fair‑value band 2.85 MYR – 5.59 MYR · the 4.77 MYR price screens above the 4.08 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Public Bank Berhad provides banking products and services. The company operates through Hire Purchase, Retail Operations, Corporate Lending, Treasury and Capital Market Operations, Investment Banking, Fund Management, and General Insurance segments.
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Public Bank Berhad provides banking products and services. The company operates through Hire Purchase, Retail Operations, Corporate Lending, Treasury and Capital Market Operations, Investment Banking, Fund Management, and General Insurance segments. Its deposit products include savings, current, fixed deposit, foreign currency, and safe deposit box services. The company's loan portfolio comprises home, SWIFT, working capital, SME, and other loans; overdrafts; project and vehicle financing; PB retail negotiable instruments of deposit; and credit guarantee corporation guarantee schemes and BNM funds. The company also offers Islamic banking, shares and securities brokerage, trustee services, nominee services, unit trust funds sales and management, bancassurance, and general insurance products and services. In addition, it offers mobile, internet, and self-service banking services; credit and debit card, and remittance services; investment products and services, such as structured product investment and share trading/margin financing; securities dealing and underwriting services; taxi licenses; and trades in taxi cabs, as well as leases taxis. Further, the company provides insurance products, including single premium investment-linked, family and savings, and credit life insurance products. The company operates through a network of branches and self-service terminals in Malaysia, Hong Kong, the People's Republic of China, Cambodia, Vietnam, Laos, Singapore, and Sri Lanka. It serves retail consumers, and small and medium enterprises. The company was incorporated in 1965 and is headquartered in Kuala Lumpur, Malaysia.
Stock analysis
Public Bank Bhd (1295) currently trades at 4.77 MYR, while our model-based Fair Value estimate is 4.08 MYR, implying the stock looks roughly 16.9% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 4.32 MYR per share, and 1 of the 6 models we run sit above the 4.77 MYR price.
Bear case: the Asset-Based group reads lowest at 2.07 MYR, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 2.85 MYR (bear) to 5.59 MYR (bull), the price of 4.77 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 56/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Public Bank Bhd reported revenue of 24.3B MYR in FY2025 versus 17.7B MYR in FY2021, a compound +8.3%/yr. Reported net income was 7.2B MYR in FY2025, compounding +6.3%/yr from FY2021.
Key figures
Market cap 92.1B MYR (≈ $22.6B) · P/E ratio 12.9 · P/S ratio 3.83 · EPS (TTM) 0.3700 MYR · Dividend yield 4.7% · Net margin 29.7% · Return on equity 12.3% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −14%, 1295 screens cheaper than that median.
Fair Value models
Bear 2.85 MYRFair Value 4.08 MYRBull 5.59 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 (0.1049 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.
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 is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.9%
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.
+8.2%
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.
+5.9%
Revenue growth 20 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.
+7.4%
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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.
+15.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.5%
Dividend (yield on the price)4.7%
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.11% vs 4%, 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.34% → 39%
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+16.5%
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.
−5.5%
Yearly sales growth analysts expect, extended to five years.
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.Banks - Regional · 1073 stocks
Beats the industry median on 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside−10% · Above median
Profitability
Return on equity (TTM)12% · Above median
Return on assets1% · Above median
Net margin (TTM)49% · Top 25%
Operating margin (TTM)64% · Top 25%
Growth and dividend
Revenue growth1% · Below median
Dividend yield (TTM)4.7% · Top 25%
Balance sheet
Debt / equity0.31× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Public Bank Bhd Fair Value". https://www.fairvalue-calculator.com/stock/1295
Frequently asked questions
Is Public Bank Bhd (1295) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of 4.08 MYR versus a price of 4.77 MYR, about −14% upside (overvalued).
What is the fair value of 1295?
Our model-based fair value for Public Bank Bhd is 4.08 MYR (as of Sep 18, 2026), built from audited fundamentals. The current price: 4.77 MYR.
What is the quality score of 1295?
Public Bank Bhd has a Quality Score of 56/100. 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 Public Bank Bhd (1295)?
Our model-based price target is the fair value of 4.08 MYR (as of Sep 18, 2026) from 6 valuation models. Cautious scenario 2.85 MYR, optimistic scenario 5.59 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Public Bank Bhd stock forecast for 2026?
Our models put fair value at 4.08 MYR, about −14% upside versus a price of 4.77 MYR (overvalued). Cautious scenario 2.85 MYR, optimistic scenario 5.59 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Public Bank Bhd (1295)?
Public Bank Bhd reported trailing-twelve-month revenue of about 14.7B MYR (latest available figure, as of Sep 18, 2026).
Does Public Bank Bhd pay a dividend?
Public Bank Bhd currently shows a dividend yield of about 4.72% relative to its recent price (as of Sep 18, 2026).
What growth is priced into Public Bank Bhd (1295)?
For today's price to be fair in a discounted-cash-flow model, Public Bank Bhd would have to grow free cash flow by +16.5 % 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 +5.9 % per year. As of Sep 18, 2026.
What discount rate (WACC) does the fair value of 1295 use?
Our models discount Public Bank Bhd at 9.2 %: a base by market capitalisation (large), damped by beta 0.21, 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 Public Bank Bhd that is +16.5 % 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 Public Bank Bhd (1295) delivered so far?
Over the past 5 years revenue at Public Bank Bhd grew +5.9 % a year. The price currently implies +16.5 % 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 Public Bank Bhd (1295) growing?
The median revenue growth in the sector is +8.1 % a year. That is the yardstick for the growth priced into Public Bank Bhd (+16.5 % 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 Public Bank Bhd (1295)?
The free-cash-flow yield on the price is 3.56 %: that much free cash flow Public Bank 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 Public Bank Bhd (1295)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Public Bank Bhd it is 4.08 MYR per share (as of Sep 18, 2026), against a price of 4.77 MYR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Public Bank Bhd stock overvalued or undervalued in 2026?
As of Sep 18, 2026, 1295 trades above its calculated fair value: price 4.77 MYR, fair value 4.08 MYR, a gap of about −14% (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 1295?
No. The price is what the market pays today (4.77 MYR); the fair value is what the company's own numbers justify (4.08 MYR). For Public Bank Bhd the two are 0.6900 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Public Bank Bhd worth?
The market values Public Bank Bhd at about 92.1B MYR (market capitalisation, as of Sep 18, 2026). Per share that is 4.77 MYR; our models calculate a fair value of 4.08 MYR per share.
What do the bullish and bearish scenarios say about 1295?
Our models span a range for Public Bank Bhd: cautious scenario 2.85 MYR, base 4.08 MYR, optimistic 5.59 MYR per share (as of Sep 18, 2026, price 4.77 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1295?
Public Bank Bhd trades at a price-to-earnings ratio of 12.9 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 4.08 MYR is built from several models across several years. Other multiples: PEG 1.3, P/B 0.4, P/S 1.6, EV/EBITDA 2.1.
What is the PEG ratio of 1295?
The PEG ratio of Public Bank Bhd is 1.33 (P/E divided by earnings growth, as of Sep 18, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Public Bank Bhd (1295)?
Balance-sheet figures for Public Bank Bhd (as of Sep 18, 2026): return on equity 12.3%, debt of 0.31 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 1295 from its 52-week high?
Public Bank Bhd trades at 4.77 MYR, about 6% below its 52-week high of 5.05 MYR and 20% above the low of 3.97 MYR (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of 4.08 MYR is for.
Which stocks are comparable to Public Bank 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 Public Bank Bhd stock attractive at the current price?
The data as of Sep 18, 2026: price 4.77 MYR, calculated fair value 4.08 MYR (−14%), Quality Score 56/100, 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 1295 calculated?
We run Public Bank 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 4.08 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 16.1 % above its aggregate fair value. Public Bank 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 Public Bank Bhd (1295)?
The closing price on Sep 18, 2026 was 4.77 MYR. Our model-based fair value is 4.08 MYR, about −14% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Public Bank Bhd right now?
Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (2.85 MYR to 5.59 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 Public Bank Bhd (1295) come from?
Earnings per share at Public Bank Bhd grew +3.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.3 %, EBIT margin +0.5 %, tax rate −0.2 %, residual (interest, one-offs) +0.1 %. 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 Public Bank Bhd
How large is the market capitalisation of Public Bank Bhd (1295)?
The market capitalisation of Public Bank Bhd is 92.1B MYR (≈ $22.6B). 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 Public Bank Bhd (1295)?
The price-to-sales ratio of Public Bank Bhd is 3.83 (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 Public Bank Bhd (1295)?
Earnings per share at Public Bank Bhd are 0.3700 MYR (price ÷ EPS = P/E 12.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Public Bank Bhd (1295)?
The dividend yield of Public Bank Bhd is 4.7% (payout 60.8%). 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 Public Bank Bhd (1295)?
The net margin of Public Bank Bhd is 29.7% (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 Public Bank Bhd (1295)?
The return on equity (ROE) of Public Bank Bhd is 12.3% (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 Public Bank Bhd (1295)?
On an EBIT basis the return on assets of Public Bank Bhd is 1.7% (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 Public Bank Bhd (1295)?
The operating margin of Public Bank Bhd is 63.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Public Bank Bhd (1295)?
Revenue at Public Bank Bhd is growing +1.0% versus a year earlier (3y avg +8.2%). 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 Public Bank Bhd (1295)?
Earnings per share at Public Bank Bhd are growing +0.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Public Bank Bhd (1295) hold?
Public Bank Bhd holds more cash than debt, 7.7B MYR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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