Bank Islam Malaysia Bhd (5258) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Bank Islam Malaysia Bhd MYR 2.98, price MYR 2.07, upside +44.0%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? No
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Bank Islam Malaysia Bhd
5258 · KLSESpeculativeUpside exists, but weak quality makes the signal speculative.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range 1.41 MYR – 2.55 MYR · fair‑value band 2.75 MYR – 3.84 MYR · the 2.07 MYR price screens below the 2.98 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
Bank Islam Malaysia Berhad, together with its subsidiaries, provides Islamic banking products and services in Malaysia. It operates through the Group Retail Banking and Group Institutional Banking segments.
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Bank Islam Malaysia Berhad, together with its subsidiaries, provides Islamic banking products and services in Malaysia. It operates through the Group Retail Banking and Group Institutional Banking segments. The company offers term deposits; savings, current, and investment accounts; personal, home, vehicle, and education financing, as well as corporate and syndicated, vendor, CACKNA scheme, commercial business takaful, procurement and contract, SME and EZ bank guarantee, bridging, and receivables financing; debit and credit cards, and letters of credit; and agent banking. It also provides wealth management products, such as takaful protection, unit trust, will writing, shares trading, and retail sukuk investment services; money and capital markets, foreign remittance services, foreign exchange, fixed income markets, and structured products; business cash lines, financial lease, revolving credits, and trade operations; and currency exchange and liquidity management. In addition, the company offers mobile and web banking, ATM services, bill payment services, transfer services, cash deposit machines, stockbroking, and nominee services. Bank Islam Malaysia Berhad was incorporated in 1983 and is based in Kuala Lumpur, Malaysia.
Stock analysis
Bank Islam Malaysia Bhd (5258) currently trades at 2.07 MYR, while our model-based Fair Value estimate is 2.98 MYR, implying the stock looks roughly 30.5% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 3.20 MYR per share, and 6 of the 6 models we run sit above the 2.07 MYR price.
Bear case: the Dividend Discount group reads lowest at 2.29 MYR, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 2.75 MYR (bear) to 3.84 MYR (bull), the price of 2.07 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 38/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Bank Islam Malaysia Bhd reported revenue of 5.1B MYR in FY2025 versus 2.2B MYR in FY2021, a compound +22.7%/yr. Reported net income was 557M MYR in FY2025, compounding +1.1%/yr from FY2021.
Key figures
Market cap 4.7B MYR (≈ $1.2B) · P/E ratio 8.6 · P/S ratio 0.95 · EPS (TTM) 0.2400 MYR · Dividend yield 7.0% · Net margin 11.0% · Return on equity 6.9% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades about 17% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 44%, 5258 screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 30 · Market factors (momentum, volatility) 49
Revenue & earnings trend
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Compare Bank Islam Malaysia Bhd with another stock
Price, fair value, quality and upside side by side.
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 · 1074 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Valuation of the Malaysia market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.80 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.65 | HK$64.29 | +24% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹738.60 | ₹418.52 | −43% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹636.31 | −53% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Frequently asked questions
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Key figures of Bank Islam Malaysia Bhd
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