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AFFIN Bank Berhad, a financial holding company, (5185) Fair Value & Analysis

Financial Services · MY · Market cap 5.8B MYR

Price2.26 MYR
Fair Value2.77 MYR
Upside+22.6%
Quality95/100
Evidence: High Range 2.08 MYR – 3.46 MYR

Fair value as of: Jun 25, 2026

Analysis

AFFIN Bank Berhad, a financial holding company, (5185) currently trades at 2.26 MYR, while our model-based Fair Value estimate is 2.77 MYR — implying the stock looks roughly 22.6% 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.

About the company

AFFIN Bank Berhad, a financial holding company, provides various banking services in Malaysia. It operates through Commercial Banking, Investment Banking, Insurance, and Others segments. The Commercial Banking segment offers savings and fixed deposits, remittance services, current accounts, vehicle loans/financing, hire purchase, housing loans/financing, overdrafts/cashlines and personal loans/financing, treasury, credit cards, unit trusts, and bancassurance/bancatakaful products; financial products and services for corporates, public sector, and small and medium enterprises, including long-term loans/financing, project and equipment financing, overdrafts and trade financing, and other fee-based services, as well as Islamic banking services. The Investment Banking segment offers advisory services and structuring of private debt securities; corporate finance and advisory services for corporate listings; mergers and acquisitions services; capital raising services through the issue of …

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Frequently asked questions

Is AFFIN Bank Berhad, a financial holding company, (5185) undervalued?
As of Jun 25, 2026, our model estimates a fair value of 2.77 MYR versus a price of 2.26 MYR — about +23% (undervalued). Model-based estimate, not financial advice.
What is the fair value of 5185?
Our 21-model fair value for AFFIN Bank Berhad, a financial holding company, is 2.77 MYR (as of Jun 25, 2026), built from audited fundamentals. The current price is 2.26 MYR.
What is the quality score of 5185?
AFFIN Bank Berhad, a financial holding company, has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.