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Public Bank Bhd

Public Bank Bhd

1295 · KLSE · Financial Services / Banks - Regional

4.54MYR+0.01 (+0.22%)

Price History

Full chart

Market Stats

Previous Close4.53
Open4.54
Day Range4.52 – 4.56
52-Week Range4.05 – 5.18
Volume10.93M
Market Cap92.20B
P/E (TTM)12.50
Forward P/E11.93
EPS0.38
Dividend Yield4.42%
Beta0.17
50-Day Avg4.81
200-Day Avg4.88

About

Public Bank Berhad provides banking products and services. The company operates through Hire Purchase, Retail Operations, Corporate Lending, Treasury and Capital Market Operations, Investment Banking, Fund Management, and General Insurance segments. Its deposit products include savings, current, fixed deposit, foreign currency, and safe deposit box services. The company's loan portfolio comprises home, SWIFT, working capital, SME, and other loans; overdrafts; project and vehicle financing; PB retail negotiable instruments of deposit; and credit guarantee corporation guarantee schemes and BNM funds. The company also offers Islamic banking, shares and securities brokerage, trustee services, nominee services, unit trust funds sales and management, bancassurance, and general insurance products and services. In addition, it offers mobile, internet, and self-service banking services; credit and debit card, and remittance services; investment products and services, such as structured product investment and share trading/margin financing; securities dealing and underwriting services; taxi licenses; and trades in taxi cabs, as well as leases taxis. Further, the company provides insurance products, including single premium investment-linked, family and savings, and credit life insurance products. The company operates through a network of branches and self-service terminals in Malaysia, Hong Kong, the People's Republic of China, Cambodia, Vietnam, Laos, Singapore, and Sri Lanka. It serves retail consumers, and small and medium enterprises. The company was incorporated in 1965 and is headquartered in Kuala Lumpur, Malaysia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEODr. Ah Lek Tay Cha, DIMP, EFMIM, Fellow, KMN, MBA, PJN, PSM, SSAP
  • Employees21.57K
  • HeadquartersMenara Public Bank, Kuala Lumpur, Malaysia, 50450, Malaysia
  • Websitehttps://www.publicbankgroup.com

Leadership

  • Dr. Ah Lek Tay Cha, DIMP, EFMIM, Fellow, KMN, MBA, PJN, PSM, SSAPMD, CEO & Director · b. 1943
  • Ms. Sook Ling Yik CPAChief Financial Officer · b. 1969
  • Ms. Po Yen FongSenior Executive
  • Mr. Shien Doon TanChief Compliance Officer · b. 1972
  • Ms. Poh Lyn NgChief Human Capital Officer · b. 1965
  • Ms. Chew Fung Chan CA (M'sia)Chief Operating Officer of Corporate Banking · b. 1959
  • Mr. Sulaiman Bin Abd ManapDeputy Chief Executive Officer · b. 1958
  • Ms. Siew Yen Chang D.Econ (Hon)Deputy Chief Executive Officer · b. 1968
  • Mr. Then Fui LimGroup Chief Internal Auditor · b. 1956
  • Ms. Sook Ling LohChief Risk Officer · b. 1972

Financials

Income Statement

Currency: MYR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.88B7.55B9.32B10.30B9.44B10.35B11.85B12.89B13.95B15.38B17.39B18.10B18.61B19.54B19.96B18.31B17.70B19.20B22.08B23.44B24.35B
Growth (%)-+28.25%+23.50%+10.54%-8.35%+9.67%+14.41%+8.83%+8.22%+10.21%+13.06%+4.12%+2.79%+5.00%+2.15%-8.25%-3.32%+8.44%+15.02%+6.14%+3.88%
Cost of Revenue2.13B3.27B4.21B4.56B3.32B3.52B4.44B5.15B5.80B6.71B7.84B8.15B7.86B8.70B8.86B7.00B5.16B5.76B8.98B9.42B9.29B
Gross Profit3.75B4.27B5.11B5.74B6.12B6.84B7.41B7.74B8.16B8.67B9.54B9.96B10.75B10.84B11.10B11.31B12.54B13.43B13.10B14.02B15.05B
Gross Margin63.77%56.61%54.85%55.71%64.87%66.04%62.54%60.06%58.46%56.39%54.90%54.99%57.75%55.48%55.62%61.75%70.85%69.97%59.31%59.81%61.82%
Operating Expense1.69B1.86B2.11B2.36B2.80B2.75B2.53B2.70B2.85B2.86B3.05B3.40B3.63B3.74B3.97B5.02B5.18B4.60B4.56B5.08B5.52B
Operating Income2.06B2.42B3.00B3.38B3.32B4.09B4.88B5.05B5.31B5.81B6.49B6.55B7.12B7.10B7.13B6.29B7.37B8.83B8.54B8.93B9.53B
Operating Margin35.00%32.02%32.23%32.80%35.18%39.46%41.18%39.15%38.06%37.81%37.34%36.21%38.25%36.34%35.75%34.32%41.61%46.00%38.67%38.11%39.14%
EBITDA2.22B2.54B3.12B3.51B3.50B4.24B5.02B5.21B5.47B5.97B6.67B6.76B7.34B7.33B7.49B6.65B7.73B9.21B8.91B9.27B9.89B
EBITDA Margin37.72%33.67%33.52%34.06%37.05%40.90%42.41%40.44%39.21%38.84%38.38%37.35%39.46%37.54%37.53%36.34%43.69%47.96%40.34%39.55%40.60%
Net Income1.55B1.80B2.20B2.62B2.55B3.10B3.68B3.83B4.06B4.52B5.06B5.21B5.47B5.59B5.51B4.87B5.66B6.12B6.65B7.15B7.22B
Net Income Margin26.26%23.79%23.63%25.46%27.02%29.93%31.10%29.68%29.13%29.39%29.12%28.76%29.40%28.61%27.62%26.60%31.95%31.88%30.11%30.50%29.67%
Interest Expense2.13B3.27B4.21B4.56B3.32B3.52B4.44B5.15B5.80B6.71B7.84B8.15B7.86B8.70B8.86B7.00B5.16B5.76B8.98B9.42B9.31B
Interest Expense % of Total Revenue36.23%43.39%45.15%44.29%35.13%33.96%37.46%39.94%41.54%43.61%45.10%45.01%42.25%44.52%44.38%38.25%29.15%30.03%40.69%40.19%38.25%

Balance Sheet

Currency: MYR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets111.69B147.79B174.16B196.16B217.14B226.33B249.41B274.62B305.73B345.72B363.76B380.05B395.28B419.69B432.83B451.26B462.74B493.26B510.60B542.86B561.65B
Total Liabilities2.76B3.24B2.82B5.04B3.99B8.09B11.32B3.05B284.53B316.85B331.45B344.69B356.83B377.60B388.08B402.83B413.31B441.74B454.22B483.22B499.21B
Total Equity8.56B9.03B9.34B9.54B11.02B13.03B14.86B17.94B20.42B28.02B31.23B34.21B37.36B40.97B43.59B47.25B48.16B50.18B54.67B57.34B59.94B
Cash29.17B31.36B40.61B41.18B47.69B36.30B24.23B24.42B28.56B24.30B23.66B18.74B22.58B23.89B25.53B22.67B20.56B30.48B18.65B23.12B21.27B
Total Debt2.76B3.24B2.82B5.04B3.99B8.09B11.32B-10.40B11.56B26.44B11.55B12.48B13.53B29.44B29.43B34.23B41.36B32.77B38.52B13.56B
Net Debt-26.41B-28.12B-37.79B-36.14B-43.70B-28.21B-12.91B-24.42B-18.16B-12.73B-11.91B-7.19B-10.11B-10.36B-12.13B-9.32B-8.78B-17.54B14.11B-11.19B-7.71B

Cash Flow

Currency: MYR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-2.54B4.51B14.09B7.51B11.81B-5.61B-15.66B2.44B6.34B10.05B8.42B1.58B8.35B11.88B874.68M14.67B6.66B9.16B-2.83B8.25B3.55B
Investing Cash Flow1.28B49.62M-776.52M-6.55B-4.57B-4.21B-1.32B952.12M-1.94B-20.65B-5.94B-3.47B-3.47B-10.52B2.03B-7.72B-4.62B-1.87B-2.85B-152.15M2.17B
Financing Cash Flow-55.23M1.50B-2.04B-95.09M-295.18M-1.08B1.34B-2.99B-1.29B4.08B-2.15B-2.45B-1.19B-1.05B-3.97B-1.69B-5.62B-2.95B-3.82B-3.98B-2.54B
Capital Expenditure93.49M134.44M118.88M268.75M174.28M128.04M199.89M147.69M128.91M304.19M278.79M404.97M311.55M217.83M205.12M373.06M142.95M186.21M308.49M183.28M266.71M
Free Cash Flow-2.63B4.37B13.97B7.24B11.64B-5.74B-15.86B2.30B6.21B9.74B8.14B1.17B8.04B11.66B669.56M14.30B6.52B8.98B-3.14B8.07B3.28B
Dividends Paid1.65B1.31B1.59B1.99B1.41B1.30B1.66B1.68B1.82B1.94B2.12B2.24B2.28B2.56B2.72B1.55B3.98B3.82B2.72B3.89B4.33B
FCF to OCF103.69%97.02%99.16%96.42%98.52%102.28%101.28%93.95%97.97%96.97%96.69%74.34%96.27%98.17%76.55%97.46%97.85%97.97%110.89%97.78%92.48%
Dividend Paid to FCF-62.80%30.04%11.41%27.42%12.08%-22.70%-10.45%73.24%29.31%19.87%26.10%190.88%28.33%21.91%405.86%10.86%61.04%42.60%-86.51%48.22%131.81%

Earnings

Report DateAug 1, 2002Nov 5, 2002Feb 6, 2003Apr 29, 2003Jul 31, 2003Oct 28, 2003Feb 11, 2004Apr 21, 2004Jul 22, 2004Oct 26, 2004Feb 9, 2005Apr 20, 2005Jul 19, 2005Oct 19, 2005Jan 24, 2006Apr 19, 2006Jul 19, 2006Oct 18, 2006Jan 23, 2007Apr 18, 2007Jul 18, 2007Oct 16, 2007Feb 26, 2008Apr 16, 2008Jul 17, 2008Oct 14, 2008Jan 20, 2009Apr 22, 2009Jul 20, 2009Oct 15, 2009Jan 26, 2010Apr 21, 2010Jul 21, 2010Oct 20, 2010Jan 25, 2011Apr 20, 2011Jul 20, 2011Oct 19, 2011Jan 30, 2012Apr 18, 2012Jul 23, 2012Oct 18, 2012Feb 6, 2013Apr 23, 2013Jul 23, 2013Oct 22, 2013Feb 5, 2014Apr 20, 2014Jul 23, 2014Oct 22, 2014Feb 4, 2015Apr 20, 2015Jul 29, 2015Oct 22, 2015Feb 3, 2016Apr 20, 2016Jul 28, 2016Oct 19, 2016Feb 1, 2017Apr 20, 2017Jul 24, 2017Oct 26, 2017Feb 22, 2018May 2, 2018Aug 15, 2018Oct 25, 2018Feb 19, 2019Apr 29, 2019Aug 13, 2019Nov 7, 2019Feb 26, 2020May 22, 2020Aug 28, 2020Nov 27, 2020Feb 25, 2021May 11, 2021Aug 27, 2021Nov 29, 2021Feb 25, 2022May 30, 2022Aug 29, 2022Nov 29, 2022Feb 27, 2023May 25, 2023Aug 29, 2023Nov 29, 2023Feb 28, 2024May 20, 2024Aug 27, 2024Nov 29, 2024Feb 26, 2025May 15, 2025Aug 26, 2025Nov 16, 2025Feb 25, 2026May 13, 2026Aug 26, 2026Nov 6, 2026Nov 16, 2026
EPS Estimate-----------------------------------------------0.060.060.060.06-0.060.060.060.060.070.060.060.070.070.070.07--0.070.07-0.080.080.070.070.050.06-0.070.080.070.070.080.080.080.090.100.090.080.090.090.090.090.100.100.090.090.100.090.100.100.10
EPS Actual0.010.010.010.010.010.020.020.020.020.020.020.020.020.020.020.020.030.020.020.030.030.030.030.040.030.030.040.030.030.040.040.040.040.040.050.050.050.050.050.050.050.050.050.050.060.060.060.060.060.060.070.060.060.060.080.060.070.060.080.060.070.070.080.070.070.070.070.070.070.070.070.070.050.070.050.080.070.070.070.070.070.080.090.090.080.090.080.090.090.100.090.090.090.100.100.090.09--
Surprise-----------------------------------------------0.00%0.00%0.00%16.67%-0.00%0.00%33.33%0.00%0.00%0.00%33.33%-14.29%0.00%0.00%14.29%--0.00%0.00%--12.50%-12.50%0.00%0.00%0.00%16.67%-14.29%-12.50%0.00%0.00%-12.50%-12.50%0.00%0.00%-10.00%-11.11%12.50%-11.11%0.00%0.00%11.11%-10.00%-10.00%0.00%11.11%0.00%0.00%-10.00%--
Timing-----------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-market---Pre-marketAfter-hours-After-hoursPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap92.20B
Enterprise Value102.08B
Trailing P/E12.50
Forward P/E11.93
PEG Ratio1.76
Price / Sales6.24
Price / Book1.50
EPS0.38
Book Value3.17
Revenue (TTM)14.78B
Gross Profit (TTM)14.78B
Profit Margin49.36%
Operating Margin64.23%
Return on Equity11.91%
Return on Assets1.32%
Shares Outstanding19.41B
Shares Float14.99B
Beta0.17
Dividend Yield4.42%
Dividend Rate0.21
Payout Ratio80.36%

Dividends

20262×
0.10Sep 10, 20260.12Mar 11, 2026
20252×
0.10Sep 11, 20250.11Mar 12, 2025
20242×
0.10Sep 10, 20240.10Mar 13, 2024
20232×
0.09Sep 13, 20230.05Mar 13, 2023
20223×
0.04Dec 14, 20220.08Sep 13, 20220.08Mar 11, 2022
20212×
0.07Sep 13, 20210.13Mar 11, 2021
20201×
0.08Mar 11, 2020
20192×
0.07Aug 28, 20190.07Mar 5, 2019
20182×
0.06Sep 5, 20180.07Mar 13, 2018
20172×
0.05Aug 7, 20170.06Feb 16, 2017
20162×
0.05Aug 10, 20160.06Feb 18, 2016
20152×
0.05Aug 12, 20150.06Feb 18, 2015

Stock Splits

  • Jan 26, 20215:1
  • Jun 19, 2014808:783
  • Feb 3, 201069:68
  • Feb 26, 200936:35
  • May 26, 20041:2
  • Jul 8, 20035:4
  • Jul 1, 20025:4
  • Apr 13, 200113:10
  • Dec 16, 19971159:927
  • Jul 8, 19964:3