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Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
XKLS:6139'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.61 Med: 1.01 Max: 1.99
Current: 0.62
During the past 13 years, the highest Price to Graham Number ratio of Syarikat Takaful Malaysia Keluarga Bhd was 1.99. The lowest was 0.61. And the median was 1.01.
XKLS:6139's Price-to-Graham-Number is ranked better than 73.36% of 428
companies
in the Insurance industry
Industry Median: 0.92
vs XKLS:6139: 0.62
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Syarikat Takaful Malaysia Keluarga Bhd's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Jun. 2026 )
=
3.21
/
5.30
=
0.61
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Syarikat Takaful Malaysia Keluarga Bhd Graham Number Related Terms
Syarikat Takaful Malaysia Keluarga Bhd Graham Number Historical Data
* 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.
Syarikat Takaful Malaysia Keluarga Bhd Graham Number Chart
Syarikat Takaful Malaysia Keluarga Bhd Annual Data
XKLS:6139 vs FNF, AXS, FAF: Graham Number Comparison
For the Insurance - Specialty subindustry, Syarikat Takaful Malaysia Keluarga Bhd's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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.
Syarikat Takaful Malaysia Keluarga Bhd Price-to-Graham-Number vs Insurance Industry
For the Insurance industry and Financial Services sector, Syarikat Takaful Malaysia Keluarga Bhd's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Syarikat Takaful Malaysia Keluarga Bhd's Price-to-Graham-Number falls into.
* 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.
Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) has a Graham Number of RM5.30 as of Jun. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Syarikat Takaful Malaysia Keluarga Bhd and its competitors. This is 425% above median its historical median of 1.01. Over the past decade, Syarikat Takaful Malaysia Keluarga Bhd's Graham Number has ranged from 0.61 to 1.99. According to the industry distribution chart, Syarikat Takaful Malaysia Keluarga Bhd ranks #114 out of 428 companies in the Insurance industry, placing it in the top 26.6%.
Is Syarikat Takaful Malaysia Keluarga Bhd's Graham Number too high?
Syarikat Takaful Malaysia Keluarga Bhd's current Graham Number of RM5.30 is 425% above median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.99. Based on the distribution chart, Syarikat Takaful Malaysia Keluarga Bhd ranks #114 out of 428 companies in the Insurance industry, which is above the industry midpoint. Overall, Syarikat Takaful Malaysia Keluarga Bhd has a GF Score™ of 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Syarikat Takaful Malaysia Keluarga Bhd's Graham Number compare to FNF and AXS?
According to the Insurance industry distribution chart, Syarikat Takaful Malaysia Keluarga Bhd ranks #114 out of 428 companies for Graham Number. This puts Syarikat Takaful Malaysia Keluarga Bhd in the upper half of its industry. The industry median Graham Number is 0.92. Historically, Syarikat Takaful Malaysia Keluarga Bhd's own Graham Number has ranged from 0.61 to 1.99 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for an Insurance company?
The median Graham Number among Insurance companies is 0.92, based on 428 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Syarikat Takaful Malaysia Keluarga Bhd and its competitors. For the Insurance industry, the median Graham Number is 0.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Syarikat Takaful Malaysia Keluarga Bhd's current Graham Number is RM5.30, which is 425% above median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Syarikat Takaful Malaysia Keluarga Bhd stock overvalued right now?
Based on GuruFocus' analysis, Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) is currently considered Significantly Undervalued. The stock's GF Value™ is RM5.17, compared to a current price of RM3.21 — trading 37.9% below its estimated fair value. The current Graham Number is RM5.30, which is 425% above median its 10-year median of 1.01. Syarikat Takaful Malaysia Keluarga Bhd's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139), the current Graham Number is RM5.30 as of Jun. 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 Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) Overvalued in 2026?
Based on GuruFocus' analysis, Syarikat Takaful Malaysia Keluarga Bhd stock appears to be undervalued.
The current stock price of RM3.21 is trading 37.9% below its estimated GF Value™ of RM5.17.
GuruFocus considers Syarikat Takaful Malaysia Keluarga Bhd to be Significantly Undervalued.
Key valuation signals for XKLS:6139:
Graham Number: RM5.30 (425% above median its 10-year median of 1.01)
GF Value™: RM5.17 vs. price of RM3.21 (37.9% below fair value)
No single metric tells the full story. See the XKLS:6139 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Syarikat Takaful Malaysia Keluarga Bhd is a takaful insurance provider in Malaysia and Indonesia. Like insurancetakaful protects participants from loss, but unlike traditional insurance, it adheres to a business model that conforms to Islamic religious law. The company's business includes participants who pool their money into a Participant Risk Fund, which then has funds available to disburse when a participant is facing a loss. For managing the takaful fund, the company receives a service fee on participant contributions. Syarikat Takaful Malaysia manages family and general takaful businesses, which include medical, motor and home takaful. The vast majority of the company's revenue comes from customers in Malaysia.
75GF Score
Get the complete analysis for XKLS:6139
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