Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Public Bank BhdXKLS:1295 -0.58%71 EV-to-FCF is 107.74 as of Aug. 17, 2026, which is 796% above its 10-year median of 12.02. GuruFocus rates XKLS:1295 with a GF Score™ of 71/100 and a GF Value™ of RM4.76 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,183 Banks companies, Public Bank Bhd ranks worse than 96.87% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Public Bank Bhd's Enterprise Value is RM94,903 Mil.
Public Bank Bhd's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was RM881 Mil. Therefore, Public Bank Bhd's EV-to-FCF for today is 107.74.
The historical rank and industry rank for Public Bank Bhd's EV-to-FCF or its related term are showing as below:
XKLS:1295'
s EV-to-FCF Range Over the Past 10 Years
Min: -1053.34 Med: 12.02 Max: 287.48
Current: 107.74
During the past 13 years, the highest EV-to-FCF of Public Bank Bhd was 287.48. The lowest was -1053.34. And the median was 12.02.
XKLS:1295's EV-to-FCF is ranked worse than 96.87% of 1183
companies
in the Banks industry
Industry Median: 7.25
vs XKLS:1295: 107.74
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Public Bank Bhd's PE Ratio (TTM) for today is calculated as:
Public Bank Bhd's share price for today is RM5.13.
Public Bank Bhd's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was RM0.374.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Public Bank Bhd EV-to-FCF Related Terms
Public Bank Bhd EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Public Bank Bhd's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Public Bank Bhd's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Public Bank Bhd EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Public Bank Bhd's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Public Bank Bhd's EV-to-FCF falls into.
Public Bank Bhd's current Enterprise Value is RM94,903 Mil.
Public Bank Bhd's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was RM881 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Public Bank Bhd (XKLS:1295) has a EV-to-FCF of 107.74 as of Aug. 17, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Public Bank Bhd and its competitors. This is 796% above median its historical median of 12.02. According to the industry distribution chart, Public Bank Bhd ranks #1146 out of 1183 companies in the Banks industry, placing it in the top 96.9%.
Is Public Bank Bhd's EV-to-FCF too high?
Public Bank Bhd's current EV-to-FCF of 107.74 is 796% above median its 10-year median of 12.02. The Banks industry median EV-to-FCF is 7.25. Public Bank Bhd's value of 107.74 is 1386.1% above this industry median. Based on the distribution chart, Public Bank Bhd ranks #1146 out of 1183 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Public Bank Bhd has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Public Bank Bhd ranks #1146 out of 1183 companies for EV-to-FCF. This places Public Bank Bhd in the lower half of its industry. The industry median EV-to-FCF is 7.25. Public Bank Bhd's value of 107.74 is 1386.1% above this benchmark. While the company's 10-year median is 12.02 vs. the industry median of 7.25, Public Bank Bhd has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.25, based on 1,183 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Public Bank Bhd's current EV-to-FCF of 107.74 is 1386.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Public Bank Bhd and its competitors. For the Banks industry, the median EV-to-FCF is 7.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Public Bank Bhd's current EV-to-FCF is 107.74, which is 796% above median its own 10-year median of 12.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Public Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Public Bank Bhd (XKLS:1295) is currently considered Fairly Valued. The stock's GF Value™ is RM4.76, compared to a current price of RM5.13 — trading 7.8% above its estimated fair value. The current EV-to-FCF is 107.74, which is 796% above median its 10-year median of 12.02 and 1386.1% above the Banks industry median of 7.25. Public Bank Bhd's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Public Bank Bhd (XKLS:1295), the current EV-to-FCF is 107.74 as of Aug. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Public Bank Bhd (XKLS:1295) Overvalued in 2026?
Based on GuruFocus' analysis, Public Bank Bhd stock appears to be overvalued.
The current stock price of RM5.13 is trading 7.8% above its estimated GF Value™ of RM4.76.
GuruFocus considers Public Bank Bhd to be Fairly Valued.
Key valuation signals for XKLS:1295:
EV-to-FCF: 107.74 (796% above median its 10-year median of 12.02)
GF Value™: RM4.76 vs. price of RM5.13 (7.8% above fair value)
Industry Position: 1386.1% above the Banks median (#1146 of 1183)
No single metric tells the full story. See the XKLS:1295 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Public Bank Bhd is a Malaysian banking group that provides a range of financial products and services, including personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, bancassurance, and general insurance products. In addition to its mostly Malaysian operational presence, the bank is exposed to other Southeast Asian nations through some of its branches. It emphasizes organic growth in the retail banking business, particularly among retail consumers and small and medium-sized enterprises. The majority of its revenue comes from the Retail Operations segment. Public Bank offers a suite of banking products and services through its extensive branch network and infrastructure.
71GF Score
Get the complete analysis for XKLS:1295
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:1295 has been successfully added to your 
