Affin Bank Bhd (XKLS:5185) FCF Margin %: -385.59% (As of Mar. 2026)


XKLS:5185 Affin Bank Bhd XKLS:5185
67 GF Score
Price RM2.23
GF Value RM2.87
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Affin Bank Bhd FCF Margin %?

Affin Bank Bhd XKLS:5185 -0.89% 67 FCF Margin % is -385.59% as of Mar. 2026. GuruFocus rates XKLS:5185 with a GF Score™ of 67/100 and a GF Value™ of RM2.87 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, Affin Bank Bhd ranks worse than 95.88% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Affin Bank Bhd's Free Cash Flow for the three months ended in Mar. 2026 was RM-2,519 Mil. Affin Bank Bhd's Revenue for the three months ended in Mar. 2026 was RM653 Mil. Therefore, Affin Bank Bhd's FCF Margin % for the quarter that ended in Mar. 2026 was -385.59%.

As of today, Affin Bank Bhd's current FCF Yield % is -79.22%.

The historical rank and industry rank for Affin Bank Bhd's FCF Margin % or its related term are showing as below:

XKLS:5185' s FCF Margin % Range Over the Past 10 Years
Min: -311.89   Med: 25.78   Max: 208.7
Current: -180.91


During the past 13 years, the highest FCF Margin % of Affin Bank Bhd was 208.70%. The lowest was -311.89%. And the median was 25.78%.

XKLS:5185's FCF Margin % is ranked worse than
95.88% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs XKLS:5185: -180.91


Affin Bank Bhd FCF Margin % Related Terms


Affin Bank Bhd FCF Margin % Historical Data

* Premium members only.

The historical data trend for Affin Bank Bhd's FCF Margin % 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.

Affin Bank Bhd FCF Margin % Chart

Affin Bank Bhd Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 208.70 108.46 67.37 -17.03 -59.61

Affin Bank Bhd Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 120.94 -234.79 -231.61 102.58 -385.59

XKLS:5185 vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Affin Bank Bhd's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.


Affin Bank Bhd FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Affin Bank Bhd's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Affin Bank Bhd's FCF Margin % falls into.


XKLS:5185
67GF Score
Affin Bank Bhd XKLS:5185
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Affin Bank Bhd FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Affin Bank Bhd's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-1463.28/2454.806
=-59.61 %

Affin Bank Bhd's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-2519.326/653.375
=-385.59 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -385.59% mean?
Affin Bank Bhd (XKLS:5185) has a FCF Margin % of -385.59% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Affin Bank Bhd and its competitors. According to the industry distribution chart, Affin Bank Bhd ranks #1443 out of 1505 companies in the Banks industry, placing it in the top 95.9%.
Is Affin Bank Bhd's FCF Margin % too high?
Affin Bank Bhd's current FCF Margin % is -385.59%. Based on the distribution chart, Affin Bank Bhd ranks #1443 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Affin Bank Bhd has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Affin Bank Bhd's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Affin Bank Bhd ranks #1443 out of 1505 companies for FCF Margin %. This places Affin Bank Bhd in the lower half of its industry. The industry median FCF Margin % is 26.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Affin Bank Bhd and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affin Bank Bhd's current FCF Margin % is -385.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affin Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Affin Bank Bhd (XKLS:5185) is currently considered Modestly Undervalued. The stock's GF Value™ is RM2.87, compared to a current price of RM2.23 — trading 22.3% below its estimated fair value. The current FCF Margin % is -385.59%. Affin Bank Bhd's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Affin Bank Bhd (XKLS:5185), the current FCF Margin % is -385.59% as of Mar. 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 Affin Bank Bhd (XKLS:5185) Overvalued in 2026?

Based on GuruFocus' analysis, Affin Bank Bhd stock appears to be undervalued. The current stock price of RM2.23 is trading 22.3% below its estimated GF Value™ of RM2.87. GuruFocus considers Affin Bank Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5185:

  • FCF Margin %: -385.59%
  • GF Value™: RM2.87 vs. price of RM2.23 (22.3% below fair value)
  • GF Score™: 67/100 with 4 warning signs

No single metric tells the full story. See the XKLS:5185 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Affin Bank Bhd Business Description

Address Lingkaran TRX, Level 19, Menara AFFIN, Tun Razak Exchange, Kuala Lumpur, SGR, MYS, 55188
Affin Bank Bhd is a Malaysia-based bank. It operates in four segments: Commercial Banking focuses on the business of banking in all aspects including Islamic Banking operations; Investment Banking focuses on the business of a merchant bank, stock-broking, and other related financial services; Insurance includes the business of underwriting all classes of general and life insurance businesses in Malaysia; and Others include operation of investment holding companies, money-broking, information technology and other related financial services. The company provides Personal banking and Business banking services. The majority of the group's revenue comes from Commercial Banking within Malaysia.
67GF Score

Get the complete analysis for XKLS:5185

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM2.23
Price
RM2.87
GF Value