Obermatt

AMMB Holdings

KLS:AMBANK · MYL1015OO006
BanksMedium

360

55
Profit price55
Cash yield61
Price/Sales30
EV / Gross Profit40
Price/Book59
Returns on capital57
Profit margins
Cash Conversion69
Accruals81
Owner Earnings Margin86
Sales growth54
Profit Growth36
Long-Term EPS Growth43
Owner Earnings Growth70
Reinvestment91
Price momentum77
Debt load38
Debt serviceability55
Liquidity40
Analyst ratings50
Opinion Changes38
Price Target Upside38
Market mood71
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

AMMB Holdings clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryMalaysia
IndustryBanks
SizeMedium
TypePublic Company
ExchangeKLSE
Founded1991
Employees3,710
ISINMYL1015OO006
Last UpdateApr 2, 2026
Index & Theme
Consumer LendingFinancial Services

Description

AMMB Holdings Berhad, also known as the AmBank Group, operates as a financial services group. The company operates through three main subsidiaries: AmBank (M) Berhad, AmBank Islamic Berhad, and AmInvestment Bank Berhad. The company's deposits include…

Analysis

Bargain bin

AMMB Holdings Berhad is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.4×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -3% a year, against analyst forecasts of 7%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
71
2023202420252026

All-time high

82

Jan 2025

All-time low

25

Jan 2024

Average rank

59

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
30
32
47
48
Price/Earnings
57
38
57
73
Price/Book
59
54
80
78
Dividend Yield
61
48
65
62
Value (overall)
54
38
63
71

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →