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PBA Holdings (5041) Fair Value & Analysis

Utilities · MY · Market cap 655M MYR

PH PBA Holdings 5041 · KLSE
Price2.08 MYR
Fair Value5.09 MYR
Upside+144.7%
Quality49/100
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Expensive Growth
Highly profitable · 22.9% net margin
Low debt · negative free cash flow
2.53% dividend yield
Ranks above peers (12/12)
Wide moat 71/100
Evidence: High Range 3.47 MYR – 6.45 MYR Share as image

Fair value as of: Jul 15, 2026

From 16 valuation models · updated 26 days ago

Share price +5.6% over the past month.

Below-average quality, screening 145% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (3.47 MYR). The market is more pessimistic than our downside scenario.
  • Solid quality (49/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range (3.47 MYR to 6.45 MYR) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

2.69 MYR 0.6265 MYR Fair Value 5.09 MYR Oct 2020 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.

How to read this chart

60‑month range 0.6265 MYR – 2.69 MYR · fair‑value band 3.47 MYR – 6.45 MYR · the 2.08 MYR price screens below the 5.09 MYR fair value. Dashed = 300-day average. As of Jul 15, 2026.

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Analysis

PBA Holdings (5041) currently trades at 2.08 MYR, while our model-based Fair Value estimate is 5.09 MYR, implying the stock looks roughly 144.7% undervalued today. The Quality Score stands at 49/100 (below-average quality), in the Utilities 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, PBA Holdings generated revenue of 590M MYR at a net margin of 22.9%. Revenue grew 17.2% year over year. It earns a return on equity of 11.8%. The stock trades on a trailing P/E of 5.0. Fundamentals as of Jul 15, 2026

Our scenario range runs from 3.47 MYR (bear case) to 6.45 MYR (bull case); at 2.08 MYR, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 16% above its 52-week low, currently above its 200-day average. For context, the median of 10 Utilities peers we cover trades at -10% fair-value upside, at 145%, 5041 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model 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
Highest evidence
Residual Income 2.88 MYR 3.11 MYR 3.72 MYR 76
ROIC Compounder 4.22 MYR 5.05 MYR 6.04 MYR 72
Gordon GGM 0.3500 MYR 0.6300 MYR 0.8700 MYR 70
All 16 models by family
Earnings-Based
Graham-Dodd 2.35 MYR 8.46 MYR 11.40 MYR 54
Lynch FV 2.00 MYR 2.86 MYR 3.71 MYR 50
PEG = 1.0 2.00 MYR 2.86 MYR 3.71 MYR 46
EPV 4.08 MYR 4.54 MYR 4.93 MYR 59
Dividend Discount
Gordon GGM 0.3500 MYR 0.6300 MYR 0.8700 MYR 70
DDM Multi-Stage 0.3500 MYR 0.5800 MYR 0.6700 MYR 61
Multiples
P/E Multiple 4.67 MYR 6.23 MYR 7.79 MYR 63
P/S Multiple 3.22 MYR 4.29 MYR 5.37 MYR 58
P/B Multiple 4.41 MYR 5.88 MYR 7.35 MYR 55
EV/EBIT 5.99 MYR 7.75 MYR 9.51 MYR 53
EV/EBITDA 6.10 MYR 7.90 MYR 9.70 MYR 54
EV/Revenue 3.70 MYR 4.99 MYR 6.28 MYR 43
Asset-Based
NCAV (Graham) 1.76 MYR 2.36 MYR 3.52 MYR 50
Economic Profit
Residual Income 2.88 MYR 3.11 MYR 3.72 MYR 76
ROIC Compounder 4.22 MYR 5.05 MYR 6.04 MYR 72
Growth Earnings
Growth-Adj P/E 3.47 MYR 4.96 MYR 6.45 MYR 68

Widest divergence: Multiples (5.88 MYR) versus Dividend Discount (0.5800 MYR). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) 590M MYR
Revenue growth (YoY) +17.2%
Net margin 22.9%
Return on equity 11.8%
Free cash flow −10.1M MYR FY2025
P/E ratio 5.0
More key figures
Operating margin 33.8%
EPS (TTM) 0.4100 MYR
Dividend yield 2.4%
EPS growth (YoY) +103%

Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 49/100

Of which business quality 50 · Market factors (momentum, volatility) 68

Profitability 40
Margins and returns on capital today
Quality Growth 36
Are margins and returns improving?
Cashflow 48
Earnings quality: real cash, not paper profit
Fin. Strength 69
Balance sheet, leverage, solvency risk
Investment 13
Disciplined investing over empire-building
Low Volatility 96
Calm price path (market factor)
Momentum 49
Price trend over the last 3–12 months (market factor)
52W Momentum 70
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

PBA Holdings Bhd, an investment holding company, operates as a water supplier in Malaysia. The company involved in the abstraction of raw water; treatment of water; and supply and sale of treated water to consumers and related services. It also provides training facilities, education, and other non-water related services.

Full company description

PBA Holdings Bhd, an investment holding company, operates as a water supplier in Malaysia. The company involved in the abstraction of raw water; treatment of water; and supply and sale of treated water to consumers and related services. It also provides training facilities, education, and other non-water related services. PBA Holdings Bhd was incorporated in 2000 and is based in Georgetown, Malaysia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

PBA Holdings reported revenue of 568M MYR in FY2025 versus 309M MYR in FY2021, a compound +16.4%/yr. Reported net income was 115M MYR in FY2025, compounding +60.4%/yr from FY2021.

Growth Quality 50/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
568M MYR
Latest YoY
+7.7%
Avg. growth/yr (3Y) 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.
+21.7%
Avg. growth/yr (5Y) 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.
+11.1%
Avg. growth/yr (13Y) 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.
+6.7%
Revenue +16.4%/yr
FY21 309M MYR
FY22 315M MYR
FY23 424M MYR
FY24 528M MYR
FY25 568M MYR
Net income +60.4%/yr
FY21 17.3M MYR
FY22 49.5M MYR
FY23 34.3M MYR
FY24 144M MYR
FY25 115M MYR

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Cite: Fair Value Calculator (2026). "PBA Holdings Fair Value". https://www.fairvalue-calculator.com/stock/5041

Peer Group

Utilities - Regulated Water · 67 stocks

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.

Quality Score 49 · Above median
Fair Value upside +145% · Top 25%
Return on equity (TTM) 12% · Top 25%
Return on assets 6% · Top 25%
Net margin (TTM) 23% · Top 25%
Operating margin (TTM) 34% · Top 25%
Revenue growth 17% · Top 25%
Dividend yield (TTM) 2.5% · Above median
Debt / equity 0.27× · Lower than 75% of peers

Valuation Multiples vs Utilities - Regulated Water median · lower = cheaper

P/E (TTM) 4.8× · Cheaper than 75% of peers
P/B 0.14× · Cheaper than 75% of peers
P/S (TTM) 0.27× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 1
FUTURE 86 · sector 28
PAST 47 · sector 29
HEALTH 86 · sector 66
DIVIDEND 51 · sector 49

Insider activity: 40/100

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Utilities - Regulated Water stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).

Stock Price Fair Value vs Fair Value
American Water Works Company AWK $134.33 $65.80 -51%
SBSP3 SBSP3 R$29.22 R$31.23 +7%
SBS SBS $5.79 $5.21 -10%
Essential Utilities, Inc WTRG $38.59 $21.81 -43%
CSMG3 CSMG3 R$66.10 R$60.17 -9%
Grandblue Environment Co 600323 ¥29.42 ¥33.29 +13%
American States Water Company AWR $85.01 $48.02 -44%
Chengdu Xingrong Environment Co 000598 ¥6.97 ¥10.74 +54%
California Water Service Group CWT $49.73 $33.56 -33%
Chongqing Water Group 601158 ¥4.12 ¥2.77 -33%

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Frequently asked questions

Is PBA Holdings (5041) overvalued or undervalued?
As of Jul 15, 2026, our model estimates a fair value of 5.09 MYR versus a price of 2.08 MYR, about +145% (undervalued).
What is the fair value of 5041?
Our model-based fair value for PBA Holdings is 5.09 MYR (as of Jul 15, 2026), built from audited fundamentals. The current price is 2.08 MYR.
What is the quality score of 5041?
PBA Holdings has a Quality Score of 49/100. 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 revenue of PBA Holdings (5041)?
PBA Holdings reported trailing-twelve-month revenue of about 590M MYR (latest available figure, as of Jul 15, 2026).
What is the net profit margin of 5041?
The net profit margin of PBA Holdings is about 22.9%, meaning it keeps roughly 22.9% of revenue as net income. Based on the latest reported figures.
Does PBA Holdings pay a dividend?
PBA Holdings currently shows a dividend yield of about 2.38% relative to its recent price (as of Jul 15, 2026).

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.

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