Public Bank Berhad (1295) Fair Value & Analysis
Financial Services · MY · Market cap 92.6B MYR
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Share price +1.7% over the past month.
Price vs Fair Value (12 months)
12‑month range 4.02 MYR – 5.07 MYR · fair‑value band 3.63 MYR – 6.05 MYR · the 4.81 MYR price screens below the 4.84 MYR fair value. As of Jun 26, 2026.
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Public Bank Berhad (1295) currently trades at 4.81 MYR, while our model-based Fair Value estimate is 4.84 MYR — implying the stock looks roughly 0.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Public Bank Berhad generated revenue of 14.7B MYR at a net margin of 49.2%. Revenue grew 1.0% year over year. It earns a return on equity of 12.3%. The balance sheet holds a net cash position of 7.7B MYR. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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 produ…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Public Bank Berhad 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.
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Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹746.85 | ₹880.28 | +18% |
| PT Bank Central Asia Tbk BBCA | 4,850 IDR | 5,562 IDR | +15% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,870 IDR | 5,740 IDR | +100% |
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| KB Financial Group 105560 | 157,000 KRW | 205,701 KRW | +31% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,260 IDR | 8,520 IDR | +100% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.