AFFIN BANK BERHAD
KLSE (MYR): AFFIN (5185)
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Last Price
2.85
Today's Change
-0.01 (0.35%)
Day's Change
2.84 - 2.88
Trading Volume
635,600
Financial
Market Cap
6,841 Million
NOSH
2,400 Million
Latest Quarter
30-Jun-2024 [#2]
Announcement Date
23-Aug-2024
Next Quarter
30-Sep-2024
Est. Ann. Date
17-Nov-2024
Est. Ann. Due Date
29-Nov-2024
QoQ | YoY
7.60% | 4.73%
Revenue | NP to SH
1,985,942.000 | 368,776.000
RPS | P/RPS
82.73 Cent | 3.44
EPS | P/E | EY
15.36 Cent | 18.55 | 5.39%
DPS | DY | Payout %
5.54 Cent | 1.94% | 36.06%
NAPS | P/NAPS
4.62 | 0.62
QoQ | YoY
1.47% | -71.03%
NP Margin | ROE
18.57% | 3.33%
F.Y. | Ann. Date
30-Jun-2024 | 23-Aug-2024
Latest Audited Result
31-Dec-2023
Announcement Date
27-Mar-2024
Next Audited Result
31-Dec-2024
Est. Ann. Date
27-Mar-2025
Est. Ann. Due Date
29-Jun-2025
Revenue | NP to SH
1,985,783.000 | 402,191.000
RPS | P/RPS
82.72 Cent | 3.45
EPS | P/E | EY
16.75 Cent | 17.01 | 5.88%
DPS | DY | Payout %
5.54 Cent | 1.94% | 33.06%
NAPS | P/NAPS
4.55 | 0.63
YoY
-69.07%
NP Margin | ROE
20.25% | 3.68%
F.Y. | Ann. Date
31-Dec-2023 | 29-Feb-2024
Revenue | NP to SH
1,998,616.000 | 457,580.000
RPS | P/RPS
83.26 Cent | 3.42
EPS | P/E | EY
19.06 Cent | 14.95 | 6.69%
DPS | DY | Payout %
-
NAPS | P/NAPS
-
QoQ | YoY
3.8% | -12.74%
NP Margin | ROE
22.89% | 4.13%
F.Y. | Ann. Date
30-Jun-2024 | 23-Aug-2024
Show?
| Last 10 FY Result | ||||||||||||||
| AQR | T4Q | 31/12/23 | 31/12/22 | 31/12/21 | 31/12/20 | 31/12/19 | 31/12/18 | 31/12/17 | 31/12/16 | 31/12/15 | 31/12/14 | CAGR | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,998,616 | 1,985,942 | 1,985,783 | 3,297,307 | 2,241,156 | 2,264,899 | 1,931,750 | 1,920,602 | 1,560,455 | 1,324,430 | 1,802,492 | 1,819,813 | 0.97% | |
| PBT | 586,112 | 465,686 | 518,287 | 1,549,840 | 703,854 | 386,711 | 676,971 | 674,996 | 550,699 | 599,871 | 514,409 | 801,065 | -4.71% | |
| Tax | -128,532 | -96,910 | -116,096 | -224,653 | -123,531 | -113,863 | -160,880 | -147,576 | -126,261 | -135,740 | -132,236 | -202,563 | -5.99% | |
| NP | 457,580 | 368,776 | 402,191 | 1,325,187 | 580,323 | 272,848 | 516,091 | 527,420 | 424,438 | 464,131 | 382,173 | 598,502 | -4.31% | |
| - | ||||||||||||||
| NP to SH | 457,580 | 368,776 | 402,191 | 1,300,223 | 526,934 | 230,322 | 487,766 | 503,086 | 417,855 | 464,131 | 369,269 | 592,677 | -4.21% | |
| - | ||||||||||||||
| Tax Rate | 21.93% | 20.81% | 22.40% | 14.50% | 17.55% | 29.44% | 23.76% | 21.86% | 22.93% | 22.63% | 25.71% | 25.29% | - | |
| Total Cost | 1,541,036 | 1,617,166 | 1,583,592 | 1,972,120 | 1,660,833 | 1,992,051 | 1,415,659 | 1,393,182 | 1,136,017 | 860,299 | 1,420,319 | 1,221,311 | 2.92% | |
| - | ||||||||||||||
| Net Worth | 11,078,513 | 11,078,513 | 10,919,195 | 10,252,015 | 9,837,087 | 9,270,046 | 9,322,647 | 8,666,526 | 7,877,566 | 6,683,743 | 8,276,961 | 7,927,229 | 3.61% | |
| Dividend | ||||||||||||||
| AQR | T4Q | 31/12/23 | 31/12/22 | 31/12/21 | 31/12/20 | 31/12/19 | 31/12/18 | 31/12/17 | 31/12/16 | 31/12/15 | 31/12/14 | CAGR | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Div | - | 132,969 | 132,969 | 658,686 | 263,870 | 70,532 | 138,847 | 97,158 | 43,271 | 161,653 | 155,241 | 291,442 | -8.34% | |
| Div Payout % | - | 36.06% | 33.06% | 50.66% | 50.08% | 30.62% | 28.47% | 19.31% | 10.36% | 34.83% | 42.04% | 49.17% | - | |
| Equity | ||||||||||||||
| AQR | T4Q | 31/12/23 | 31/12/22 | 31/12/21 | 31/12/20 | 31/12/19 | 31/12/18 | 31/12/17 | 31/12/16 | 31/12/15 | 31/12/14 | CAGR | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Worth | 11,078,513 | 11,078,513 | 10,919,195 | 10,252,015 | 9,837,087 | 9,270,046 | 9,322,647 | 8,666,526 | 7,877,566 | 6,683,743 | 8,276,961 | 7,927,229 | 3.61% | |
| NOSH | 2,400,486 | 2,400,486 | 2,346,488 | 2,273,889 | 2,124,062 | 2,079,791 | 1,986,020 | 1,943,167 | 1,942,948 | 1,942,948 | 1,942,948 | 1,942,948 | 2.11% | |
| Ratio Analysis | ||||||||||||||
| AQR | T4Q | 31/12/23 | 31/12/22 | 31/12/21 | 31/12/20 | 31/12/19 | 31/12/18 | 31/12/17 | 31/12/16 | 31/12/15 | 31/12/14 | CAGR | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NP Margin | 22.89% | 18.57% | 20.25% | 40.19% | 25.89% | 12.05% | 26.72% | 27.46% | 27.20% | 35.04% | 21.20% | 32.89% | - | |
| ROE | 4.13% | 3.33% | 3.68% | 12.68% | 5.36% | 2.48% | 5.23% | 5.80% | 5.30% | 6.94% | 4.46% | 7.48% | - | |
| Per Share | ||||||||||||||
| AQR | T4Q | 31/12/23 | 31/12/22 | 31/12/21 | 31/12/20 | 31/12/19 | 31/12/18 | 31/12/17 | 31/12/16 | 31/12/15 | 31/12/14 | CAGR | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RPS | 84.97 | 84.43 | 86.02 | 152.13 | 106.17 | 112.39 | 97.39 | 98.84 | 84.39 | 68.17 | 92.77 | 93.66 | -0.94% | |
| EPS | 19.46 | 15.68 | 17.42 | 59.99 | 24.96 | 11.43 | 24.59 | 25.89 | 24.00 | 27.50 | 19.01 | 34.52 | -7.31% | |
| DPS | 0.00 | 5.65 | 5.76 | 30.39 | 12.50 | 3.50 | 7.00 | 5.00 | 2.34 | 8.32 | 7.99 | 15.00 | -10.08% | |
| NAPS | 4.71 | 4.71 | 4.73 | 4.73 | 4.66 | 4.60 | 4.70 | 4.46 | 4.26 | 3.44 | 4.26 | 4.08 | 1.65% | |
| Adjusted Per Share Value based on latest NOSH - 2,400,486 | ||||||||||||||
| AQR | T4Q | 31/12/23 | 31/12/22 | 31/12/21 | 31/12/20 | 31/12/19 | 31/12/18 | 31/12/17 | 31/12/16 | 31/12/15 | 31/12/14 | CAGR | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RPS | 83.26 | 82.73 | 82.72 | 137.36 | 93.36 | 94.35 | 80.47 | 80.01 | 65.01 | 55.17 | 75.09 | 75.81 | 0.97% | |
| EPS | 19.06 | 15.36 | 16.75 | 54.16 | 21.95 | 9.59 | 20.32 | 20.96 | 17.41 | 19.33 | 15.38 | 24.69 | -4.21% | |
| DPS | 0.00 | 5.54 | 5.54 | 27.44 | 10.99 | 2.94 | 5.78 | 4.05 | 1.80 | 6.73 | 6.47 | 12.14 | -8.34% | |
| NAPS | 4.6151 | 4.6151 | 4.5487 | 4.2708 | 4.098 | 3.8617 | 3.8836 | 3.6103 | 3.2817 | 2.7843 | 3.448 | 3.3023 | 3.61% | |
| Price Multiplier on Financial Quarter End Date | ||||||||||||||
| AQR | T4Q | 31/12/23 | 31/12/22 | 31/12/21 | 31/12/20 | 31/12/19 | 31/12/18 | 31/12/17 | 31/12/16 | 31/12/15 | 31/12/14 | CAGR | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Date | 28/06/24 | 28/06/24 | 29/12/23 | 30/12/22 | 31/12/21 | 31/12/20 | 31/12/19 | 31/12/18 | 29/12/17 | 30/12/16 | 31/12/15 | 31/12/14 | - | |
| Price | 2.49 | 2.49 | 2.08 | 2.03 | 1.73 | 1.84 | 1.90 | 2.23 | 2.31 | 2.39 | 2.34 | 2.90 | - | |
| P/RPS | 2.93 | 2.95 | 2.42 | 1.33 | 1.63 | 1.64 | 1.95 | 2.26 | 2.74 | 3.51 | 2.52 | 3.10 | -2.71% | |
| P/EPS | 12.80 | 15.88 | 11.94 | 3.38 | 6.93 | 16.10 | 7.73 | 8.61 | 10.22 | 10.01 | 12.31 | 9.51 | 2.55% | |
| EY | 7.81 | 6.30 | 8.38 | 29.55 | 14.43 | 6.21 | 12.94 | 11.61 | 9.78 | 9.99 | 8.12 | 10.52 | -2.49% | |
| DY | 0.00 | 2.27 | 2.77 | 14.97 | 7.23 | 1.90 | 3.68 | 2.24 | 1.01 | 3.48 | 3.41 | 5.17 | -6.69% | |
| P/NAPS | 0.53 | 0.53 | 0.44 | 0.43 | 0.37 | 0.40 | 0.40 | 0.50 | 0.54 | 0.69 | 0.55 | 0.71 | -5.17% | |
| Price Multiplier on Announcement Date | ||||||||||||||
| AQR | T4Q | 31/12/23 | 31/12/22 | 31/12/21 | 31/12/20 | 31/12/19 | 31/12/18 | 31/12/17 | 31/12/16 | 31/12/15 | 31/12/14 | CAGR | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Date | 23/08/24 | 23/08/24 | 29/02/24 | 27/02/23 | 28/02/22 | 26/02/21 | 27/02/20 | 28/02/19 | 28/02/18 | 28/02/17 | 26/02/16 | 26/02/15 | - | |
| Price | 3.23 | 3.23 | 2.58 | 2.07 | 1.77 | 1.76 | 1.78 | 2.32 | 2.44 | 2.49 | 2.15 | 2.94 | - | |
| P/RPS | 3.80 | 3.83 | 3.00 | 1.36 | 1.67 | 1.57 | 1.83 | 2.35 | 2.89 | 3.65 | 2.32 | 3.14 | -0.50% | |
| P/EPS | 16.60 | 20.60 | 14.81 | 3.45 | 7.09 | 15.40 | 7.24 | 8.96 | 10.80 | 10.42 | 11.31 | 9.64 | 4.88% | |
| EY | 6.02 | 4.85 | 6.75 | 28.98 | 14.10 | 6.49 | 13.81 | 11.16 | 9.26 | 9.59 | 8.84 | 10.38 | -4.66% | |
| DY | 0.00 | 1.75 | 2.23 | 14.68 | 7.06 | 1.99 | 3.93 | 2.16 | 0.96 | 3.34 | 3.72 | 5.10 | -8.77% | |
| P/NAPS | 0.69 | 0.69 | 0.55 | 0.44 | 0.38 | 0.38 | 0.38 | 0.52 | 0.57 | 0.72 | 0.50 | 0.72 | -2.94% | |
PBT = Profit before Tax, NP = Net Profit, NP to SH = Net Profit Attributable to Shareholder, Div = Dividend, NP Margin = Net Profit Margin, ROE = Return on Equity, NOSH = Number of Shares, RPS = Revenue per Share, EPS = Earning Per Share, DPS = Dividend Per Share, NAPS = Net Asset Per Share, EOQ = End of Quarter, ANN = Announcement, P/RPS = Price/Revenue per Share, P/EPS = Price/Earning per Share, P/NAPS = Price/Net Asset per Share, EY = Earning Yield, DY = Dividend Yield.
NOSH is estimated based on the NP to SH and EPS. Div is an estimated figure based on the DPS and NOSH. Net Worth is an estimated figure based on the NAPS and NOSH.
Div Payout %, NP Margin, ROE, DY, QoQ ⃤ & YoY ⃤ figures in Percentage; RPS, EPS & DPS's figures in Cent; and NAPS's figures in Dollar.
All figures in '000 unless specified.
Discussions
4 people like this. Showing 50 of 4,107 comments
I sold all my 6-year holding in Affin @ just below $3 & was regretting it for a while, but that regret disappeared yesterday...
1 month ago
Yesterday CIMB called Affin a BUY and their arithmetic on fair value is 4.30. Four dollar thirty sen. Only thing CIMB didn't say when can hit 4.30.
1 month ago
You people very cun-lah. One knows it will drop no further. Another knew it will fly. 🤗
1 month ago
Already 4 days has lapsed since the signing of the S&P last Friday. Abang Jo hasn't announced the purchase consideration .......... because Abang Jo doesn't know, hahaha 🤣🤣🤣
1 month ago
Today is the day =)
Going like missiles Iranian 🔥
New shareholders on the way
RM2.95
RM2.98
RM3.05
1 month ago
Sentiment affected by Iran counter strike retailation against Israel overpay. Technically wallstreet have more or less down play the ongoing escalation the Middle East conflict. Israel is aware Iran is a big military power block In the Middle East
1 month ago
In Sarawak's heart, where rivers flow,
A leader's hand, a steady show.
Abang Jo, a name renowned,
Affin's shares, now firmly bound.
With wisdom gained and experience keen,
A corporate realm, a vibrant scene.
A takeover, a strategic move,
A future bright, for all to groove.
Though challenges lie ahead, it's true,
Abang Jo's guidance, will see it through.
Affin's shares, a promising sight,
A beacon of hope, shining bright.
1 month ago
Shorted and scorned, a fallen star,
Affin's worth, concealed so far.
But in the depths, a spark ignites,
A phoenix rising, shining bright.
With every doubt, a strength grows deep,
A silent force, a future's keep.
The market's game, a fickle test,
But Affin's spirit, stands the best.
A day will dawn, a tide will turn,
The short-sellers' schemes will burn.
Affin's ascent, a glorious sight,
A beacon of hope, shining bright.
1 month ago
Once scorned and shunned, a stock so low,
Affin, undervalued, a painful blow.
Short sellers flocked, their bets were made,
A downward spiral, a fearful trade.
But tides can turn, markets can mend,
Affin's worth, it starts to ascend.
Rumors spread, a catalyst's gleam,
Short sellers panic, their profits scream.
Buybacks begin, a hasty retreat,
The downward spiral, a painful defeat.
The tables turn, the tide has swayed,
Affin's value, no longer delayed.
1 month ago
Beneath the skies of Sarawak's grace,
A leader stands, with wisdom's trace.
Abang Jo, a name renowned and bright,
Will guide Affin towards a shining light.
With steadfast hand and heart of gold,
He'll steer the bank, a tale untold.
Affin's future, secure and grand,
Under his guidance, across the land.
The share price, a soaring bird, will fly,
As trust and confidence multiply.
Investors' faith, a beacon's gleam,
Will fuel Affin's prosperous dream.
1 month ago
Yesterday Affin closed 4 sen higher, today another 4 sen higher. Will tomorrow see another 4 sen gain?
1 month ago
Monday Affin closed 4 sen higher, yesterday closed another 4 sen higher, today 6 sen higher.
1 month ago
A gem oft overlooked, a stock unpraised,
Affin, undervalued, its worth unrazed.
But tides are turning, a shift in the air,
Affin's share price, poised to declare.
From shadows of doubt, it starts to ascend,
A beacon of hope, a trend to transcend.
Investors awaken, their eyes now see,
The potential within, wild and free.
With every tick up, a whisper of cheer,
Affin's ascent, dispelling all fear.
A journey of growth, a story untold,
A tale of resilience, a future bold.
1 month ago
Affin closed 4 sen up on Monday, another 4 sen up on Tuesday and 6 sen up today. Tomorrow will Affin close another 6 sen up?
1 month ago
Several people recently boldly said that Affin will crash to RM2, hahaha 🤣🤣🤣
1 month ago
Affin – will a change of shareholders improve performance
The performance of Bursa banking group Affin over the past 12 year was nothing to shout about. Its performance, measured against a panel of 10 Bursa Malaysia banks, is below the sector median across key metrics such as returns, efficiency, and loan performance. However, it has improved its capital adequacy ratio.
But I would not consider Affin is a value trap as it remains profitable with a margin of safety over 30% based on the asset value. However, it lacks a sufficient margin of safety under the earnings value.
The Sarawak State Government has recently acquired a substantial stake in the bank. There is hope that the state would divert its funds to Affin thereby improving its deposits and hopefully grow its loans. But if the challenge is efficiency and loan performance, I am not sure whether there would be a quantum leap in performance. For more insights refer to page 20 of INVEST
https://notice.shareinvestor.com/email/newsletter/invest/pdf/Vol229-Invest-18Oct.pdf
1 month ago
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1 week ago
Careful guys. Must look at the quality of the profits. If profitability is maintained by reversing provisions instead of the normal course of business... then it is bad news
3 days ago
After having sold at RM3.00 end of October, it's time to buy back tomorrow.
3 days ago
Yes RM2 would be a good buy. It will take quite a while for Sarawak to clean up Affin
1 day ago
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This book is the result of the author's many years of experience and observation throughout his 26 years in the stockbroking industry. It was written for general public to learn to invest based on facts and not on fantasies or hearsay....
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