Bank Islam Malaysia Bhd (5258) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bank Islam Malaysia Bhd stock MYR 2.82, price MYR 1.94, upside +45.4%, quality 39 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Bank Islam Malaysia Bhd
5258 · KLSEThe stock costs 31% less than our calculation considers fair.
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. As of Nov 6, 2026.
How to read this chart
60‑month range 1.41 MYR – 2.55 MYR · fair‑value band 2.57 MYR – 3.51 MYR · the 1.94 MYR price screens below the 2.82 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 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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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 1.94 MYR, while our model-based Fair Value estimate is 2.82 MYR, implying the stock looks roughly 31% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 3.42 MYR per share, and 5 of the 6 models we run sit above the 1.94 MYR price.
Bear case: the Dividend Discount group reads lowest at 2.01 MYR, and 1 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 2.57 MYR (bear) to 3.51 MYR (bull), the price of 1.94 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 39/100 (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 4.4B MYR (≈ $1.1B) Small · P/E ratio 7.8 · P/S ratio 1.67 · EPS (TTM) 0.2500 MYR · Dividend yield 7.5% · Net margin 21.1% · Return on equity 7.0% · Return on assets (EBIT) 0.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 45%, 5258 screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Watch 5258, get fair value alerts →
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 · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- PEG screener for stocks with fair value
- 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 | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs 5258 |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs 5258 |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs 5258 |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs 5258 |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs 5258 |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs 5258 |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs 5258 |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs 5258 |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs 5258 |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs 5258 |
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Frequently asked questions
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Key figures of Bank Islam Malaysia Bhd
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