Alliance Financial Group Bhd

Alliance Financial Group Bhd

2488 · KLSE · Financial Services / Banks - Regional

4.55MYR-0.05 (-1.09%)

Price History

Full chart

Market Stats

Previous Close4.60
Open4.60
Day Range4.54 – 4.60
52-Week Range4.19 – 5.47
Volume406.90K
Market Cap8.05B
P/E (TTM)9.12
Forward P/E9.57
EPS0.51
Dividend Yield4.15%
Beta0.04
50-Day Avg4.83
200-Day Avg4.90

About

Alliance Bank Malaysia Berhad provides banking and financial solutions in Malaysia. It operates through Consumer Banking, Business Banking, Financial Markets, and Others segments. The company offers savings, current, fixed/term deposit, foreign currency, and business accounts, as well as safe deposit boxes. It also provides personal, SME express, and bridging loans; mortgages; margin and portfolio financing; consumer, business premises, palm oil plantation, equipment, and trade financing; digital SME startup, express, and custom financing; general working capital; SME express financing portfolio guarantee schemes; SME stabilisation relief facilities; and government assistance schemes. In addition, the company offers credit and debit cards; unit trust, dual currency, retail securities, and structured investment products; share trading and eIPO; and life, general, corporate, and family takaful insurance products. Further, it provides SME business, corporate, and commercial advisory; sustainability and merchant solutions; share margin financing and share trading accounts; interest rate swaps; deposit-type and negotiable instruments; retail sukuk; corporate finance services, such as initial public offerings, secondary equity offerings, corporate rationalization and restructuring, independent advice, transfer of listing, and other services, as well as mergers, takeovers, and acquisitions services; corporate bonds and sukuk; and equity capital market services. Additionally, the company offers Islamic banking; term loans, hire purchase facilities, wealth and cash management, and bancassurance; treasury and structured solutions; foreign exchange, money market, and hedging solutions; trustee services; online and mobile banking; economic, investment, and industry research; and investment advisory services. The company was formerly known as Multi-Purpose Bank Berhad. Alliance Bank Malaysia Berhad was founded in 1958 and is headquartered in Kuala Lumpur, Malaysia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Chee Khiong Kam
  • Employees4.05K
  • HeadquartersMenara Alliance Bank, Kuala Lumpur, Malaysia, 50450, Malaysia
  • Websitehttps://www.alliancebank.com.my

Leadership

  • Mr. Chee Khiong KamGroup Chief Executive Officer · b. 1974
  • Mr. Ronnie Royston FernandizGroup Chief Financial Officer · b. 1970
  • Mr. Kar Hin ChapGroup Chief Operations Officer · b. 1973
  • Dr. Wei Wern SumGroup Chief Strategy, Marketing & Business Development Officer · b. 1978
  • Ms. Mui Sim TanGroup Chief Human Resource Officer · b. 1981
  • Mr. Eng Kiang TanGroup Chief Financial Markets Officer · b. 1964
  • Mr. Seow Loong FongGroup Chief Credit Officer · b. 1967
  • Mr. Kah Wah KwongGroup Chief Credit Officer · b. 1974
  • Ms. Pai Li GanGroup Chief Consumer Banking Officer · b. 1973
  • Mr. Jacob AbrahamGroup Chief Risk Officer · b. 1969

Financials

Income Statement

Currency: MYR2006-03-312007-03-312008-03-312009-03-312010-03-312011-03-312012-03-312013-03-312014-03-312015-03-312016-03-312017-03-312018-03-312019-03-312020-03-312021-03-312022-03-312023-03-312024-03-312025-03-312026-03-31
Total Revenue1.29B1.47B1.60B1.65B1.54B1.67B1.92B2.00B2.19B2.32B2.50B2.50B2.54B2.63B2.74B2.59B2.43B2.67B3.18B3.68B4.18B
Growth (%)-+13.72%+8.51%+3.37%-6.59%+8.06%+15.31%+4.15%+9.21%+6.15%+7.96%-0.08%+1.70%+3.54%+3.84%-5.18%-6.32%+9.69%+19.14%+15.97%+13.59%
Cost of Revenue525.71M549.54M579.48M595.98M477.54M533.18M654.26M698.87M822.71M951.82M1.07B1.03B972.73M1.01B1.09B776.76M562.86M745.68M1.16B1.41B1.69B
Gross Profit768.41M922.15M1.02B1.05B1.06B1.13B1.27B1.30B1.36B1.37B1.43B1.47B1.57B1.62B1.65B1.82B1.87B1.92B2.02B2.27B2.49B
Gross Margin59.38%62.66%63.71%63.90%69.03%68.00%65.95%65.08%62.36%58.97%57.17%58.73%61.78%61.57%60.20%70.06%76.84%72.03%63.60%61.61%59.63%
Operating Expense1.05B771.34M515.44M751.48M655.58M580.01M592.58M588.28M613.43M664.96M737.13M788.37M887.53M914.27M1.08B1.33B1.04B1.03B1.11B1.28B1.43B
Operating Income-283.12M150.81M502.05M303.31M408.94M553.11M674.64M714.02M749.35M703.15M694.78M681.40M684.60M708.02M567.85M483.99M827.36M886.61M911.32M992.92M1.07B
Operating Margin-21.88%10.25%31.44%18.37%26.52%33.19%35.11%35.68%34.29%30.31%27.74%27.23%26.90%26.87%20.75%18.66%34.04%33.26%28.69%26.96%25.53%
EBITDA-204.85M119.33M487.63M354.60M465.10M607.13M722.26M760.79M790.23M742.95M739.54M725.15M729.49M761.56M651.64M572.39M917.79M980.56M1.01B1.09B1.14B
EBITDA Margin-15.83%8.11%30.53%21.48%30.16%36.44%37.59%38.02%36.16%32.02%29.53%28.98%28.67%28.90%23.82%22.06%37.76%36.78%31.77%29.70%27.20%
Net Income-201.42M107.36M380.10M228.89M301.50M409.20M503.12M538.12M563.55M530.78M522.04M512.12M493.23M537.60M424.26M358.79M572.82M677.85M690.48M750.73M826.52M
Net Income Margin-15.56%7.30%23.80%13.87%19.55%24.56%26.18%26.89%25.79%22.88%20.84%20.46%19.38%20.40%15.51%13.83%23.57%25.43%21.74%20.38%19.75%
Interest Expense525.71M549.54M579.48M595.98M477.54M533.18M654.26M698.87M822.71M951.82M1.07B1.03B972.73M1.01B1.09B776.76M562.86M745.68M1.16B1.41B1.49B
Interest Expense % of Total Revenue40.62%37.34%36.29%36.10%30.97%32.00%34.05%34.92%37.64%41.03%42.83%41.27%38.22%38.43%39.80%29.94%23.16%27.97%36.40%38.39%35.52%

Balance Sheet

Currency: MYR2006-03-312007-03-312008-03-312009-03-312010-03-312011-03-312012-03-312013-03-312014-03-312015-03-312016-03-312017-03-312018-03-312019-03-312020-03-312021-03-312022-03-312023-03-312024-03-312025-03-312026-03-31
Total Assets23.58B26.39B27.67B31.85B31.66B36.14B39.72B43.69B48.07B53.14B55.63B54.09B53.90B56.52B60.98B60.72B61.85B66.31B76.95B85.22B92.16B
Total Liabilities21.83B24.44B25.08B29.08B28.71B32.71B35.95B39.66B43.91B48.65B50.79B48.97B48.44B50.79B54.99B54.46B55.43B1.68B69.77B77.55B83.37B
Total Equity1.74B1.94B2.59B2.76B2.95B3.43B3.77B4.03B4.17B4.50B4.84B5.11B5.46B5.73B5.99B6.26B6.42B6.75B7.18B7.67B8.82B
Cash4.48B7.16B6.93B5.39B3.97B1.31B3.14B2.78B4.37B4.68B6.56B1.39B2.85B1.81B3.13B3.14B3.41B3.67B5.73B6.49B3.81B
Total Debt1.18B800.00M600.00M1.20B1.20B1.31B611.79M685.91M624.37M1.43B1.85B2.28B3.05B2.67B4.23B3.02B3.69B3.57B1.70B2.49B6.79B
Net Debt-3.30B-6.36B-6.33B-4.19B-2.77B7.03M-2.52B-2.09B-3.74B-3.25B-4.71B-154.07M-1.47B-333.10M-1.48B-1.44B-1.71B-1.98B-4.03B-3.99B2.98B

Cash Flow

Currency: MYR2006-03-312007-03-312008-03-312009-03-312010-03-312011-03-312012-03-312013-03-312014-03-312015-03-312016-03-312017-03-312018-03-312019-03-312020-03-312021-03-312022-03-312023-03-312024-03-312025-03-312026-03-31
Operating Cash Flow1.18B2.91B-919.15M984.12M-1.91B1.27B1.06B342.53M1.02B364.67M-1.01B-1.46B-1.76B133.89M3.18B908.31M-1.07B1.48B2.42B1.71B1.40B
Investing Cash Flow-344.71M-132.97M560.97M-2.56B587.98M-3.75B765.92M-627.79M117.18M509.62M1.81B-1.17B2.66B-556.06M-1.56B-720.00M1.53B-349.18M-1.81B-1.16B-2.78B
Financing Cash Flow154.37M74.69M86.45M464.88M-154.44M-165.43M-854.13M-281.56M-317.95M-307.89M1.45B-931.97M487.55M-541.86M-308.83M-219.28M-324.29M-788.92M423.21M21.94M-54.94M
Capital Expenditure25.56M52.97M80.64M77.46M41.78M25.28M39.02M44.69M52.66M53.17M37.85M47.60M73.24M88.89M76.56M50.10M64.39M79.09M268.44M381.85M151.10M
Free Cash Flow1.16B2.85B-999.79M906.66M-1.95B1.24B1.02B297.84M968.72M311.50M-1.05B-1.51B-1.83B45.01M3.11B858.21M-1.13B1.40B2.15B1.33B1.04B
Dividends Paid8.49M320.00K72.57M96.12M97.88M107.09M203.20M252.48M289.03M296.17M219.50M228.93M245.03M236.86M219.83M219.83M218.13M343.68M322.78M324.33M315.38M
FCF to OCF97.84%98.18%108.77%92.13%102.19%98.01%96.33%86.95%94.84%85.42%103.74%103.26%104.16%33.61%97.60%94.48%106.04%94.66%88.90%77.65%74.40%
Dividend Paid to FCF0.73%0.01%-7.26%10.60%-5.02%8.62%19.83%84.77%29.84%95.08%-20.89%-15.17%-13.37%526.29%7.07%25.61%-19.30%24.53%15.02%24.45%30.20%

Earnings

Report DateDec 31, 2002Dec 3, 2003Feb 27, 2004Jun 2, 2004Sep 1, 2004Dec 1, 2004Feb 25, 2005Jun 1, 2005Sep 1, 2005May 31, 2006Aug 31, 2006Dec 5, 2006Feb 23, 2007May 30, 2007Aug 30, 2007Dec 4, 2007Feb 22, 2008May 26, 2008Dec 9, 2008Feb 27, 2009May 25, 2009Sep 3, 2009Dec 8, 2009Feb 26, 2010May 24, 2010Sep 2, 2010Dec 7, 2010Feb 25, 2011May 23, 2011Sep 1, 2011Dec 6, 2011Feb 24, 2012May 28, 2012Aug 30, 2012Nov 20, 2012Feb 22, 2013May 27, 2013Aug 29, 2013Dec 3, 2013Feb 28, 2014May 26, 2014Sep 4, 2014Dec 9, 2014Feb 27, 2015May 25, 2015Aug 18, 2015Nov 27, 2015Feb 19, 2016May 25, 2016Aug 2, 2016Nov 16, 2016Feb 22, 2017May 31, 2017Aug 15, 2017Dec 1, 2017Feb 20, 2018May 30, 2018Aug 21, 2018Nov 30, 2018Feb 20, 2019May 29, 2019Aug 20, 2019Nov 29, 2019Feb 19, 2020Jun 3, 2020Aug 18, 2020Nov 27, 2020Feb 24, 2021Jun 2, 2021Aug 17, 2021Nov 26, 2021Feb 23, 2022May 31, 2022Aug 30, 2022Nov 29, 2022Feb 27, 2023May 30, 2023Aug 29, 2023Nov 29, 2023Feb 26, 2024May 30, 2024Aug 29, 2024Nov 27, 2024Feb 27, 2025May 27, 2025Aug 29, 2025Nov 25, 2025Feb 24, 2026May 22, 2026Aug 26, 2026
EPS Estimate--------------------------------------------------------------------------------------0.110.120.140.13
EPS Actual0.070.030.050.040.040.040.060.020.02-0.010.03-0.030.040.040.070.070.060.050.030.030.000.030.050.060.050.070.070.070.050.080.080.080.070.080.090.080.090.090.080.090.100.080.120.080.060.080.090.090.080.080.080.080.070.090.080.080.070.090.090.090.070.050.070.080.060.070.070.060.030.090.110.100.070.140.100.110.080.100.120.110.110.110.120.120.130.130.120.120.120.14
Surprise--------------------------------------------------------------------------------------9.09%0.00%-14.29%7.69%
Timing------------------------------------------------------------------------Pre-marketPre-marketPre-marketPre-market--After-hoursAfter-hoursPre-marketPre-marketAfter-hours-Pre-marketPre-marketPre-marketAfter-hoursPre-marketPre-market

Key Statistics & Ratios

Market Cap8.05B
Enterprise Value10.83B
Trailing P/E9.12
Forward P/E9.57
PEG Ratio1.99
Price / Sales3.42
Price / Book0.95
EPS0.51
Book Value5.14
Revenue (TTM)2.35B
Gross Profit (TTM)2.35B
Profit Margin37.23%
Operating Margin54.79%
Return on Equity10.50%
Return on Assets0.97%
Shares Outstanding1.73B
Shares Float973.46M
Beta0.04
Dividend Yield4.15%
Dividend Rate0.19
Payout Ratio38.22%

Dividends

20261×
0.10Jun 11, 2026
20252×
0.09Dec 11, 20250.10Jun 12, 2025
20242×
0.09Dec 12, 20240.11Jun 14, 2024
20232×
0.11Dec 14, 20230.10Jun 15, 2023
20222×
0.12Dec 14, 20220.10Jun 16, 2022
20212×
0.08Dec 14, 20210.06Jun 16, 2021
20192×
0.06Dec 12, 20190.08Jun 17, 2019
20182×
0.08Dec 14, 20180.07Jun 18, 2018
20172×
0.08Dec 15, 20170.07Jun 14, 2017
20162×
0.08Dec 14, 20160.06Jun 13, 2016
20152×
0.08Dec 11, 20150.06Jun 11, 2015
20142×
0.09Dec 11, 20140.10Jun 9, 2014
20131×
0.11Dec 17, 2013

Stock Splits

  • Jun 13, 2025586:571
  • Jul 25, 2002102:95
  • Sep 8, 1994981:814