Public Bank Bhd (XKLS:1295) Margin of Safety % (DCF Earnings Based): -10.57% (As of Jun. 25, 2026)


XKLS:1295 Public Bank Bhd XKLS:1295
74 GF Score
Price RM4.81
GF Value RM4.74
Valuation Fairly Valued
! 2 Warning Signs
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What is Public Bank Bhd Margin of Safety % (DCF Earnings Based)?

Public Bank Bhd XKLS:1295 -1.23% 74 Margin of Safety % (DCF Earnings Based) is -10.57% as of Jun. 25, 2026. GuruFocus rates XKLS:1295 with a GF Score™ of 74/100 and a GF Value™ of RM4.74 (Fairly Valued). The stock has 2 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Public Bank Bhd's Predictability Rank is 4.5-Stars. Public Bank Bhd's intrinsic value calculated from the Discounted Earnings model is RM4.35 and current share price is RM4.81. Consequently,

Public Bank Bhd's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -10.57%.

Public Bank Bhd Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Public Bank Bhd's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Public Bank Bhd's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Public Bank Bhd's Margin of Safety % (DCF Earnings Based) falls into.


XKLS:1295
74GF Score
Public Bank Bhd XKLS:1295
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Public Bank Bhd Margin of Safety % (DCF Earnings Based) Calculation

Public Bank Bhd's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(4.35-4.81)/4.35
=-10.57 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -10.57% mean?
Public Bank Bhd (XKLS:1295) has a Margin of Safety % (DCF Earnings Based) of -10.57% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Public Bank Bhd.
Is Public Bank Bhd's Margin of Safety % (DCF Earnings Based) too high?
Public Bank Bhd's current Margin of Safety % (DCF Earnings Based) is -10.57%. Overall, Public Bank Bhd has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's Margin of Safety % (DCF Earnings Based) compare to competitors?
Public Bank Bhd's Margin of Safety % (DCF Earnings Based) of -10.57% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Public Bank Bhd. Public Bank Bhd's current Margin of Safety % (DCF Earnings Based) is -10.57%. 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 RM4.74, compared to a current price of RM4.81 — trading 1.5% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is -10.57%. Public Bank Bhd's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Public Bank Bhd (XKLS:1295), the current Margin of Safety % (DCF Earnings Based) is -10.57% as of Jun. 25, 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 RM4.81 is trading 1.5% above its estimated GF Value™ of RM4.74. GuruFocus considers Public Bank Bhd to be Fairly Valued.

Key valuation signals for XKLS:1295:

  • Margin of Safety % (DCF Earnings Based): -10.57%
  • GF Value™: RM4.74 vs. price of RM4.81 (1.5% above fair value)
  • GF Score™: 74/100 with 2 warning signs

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 Business Description

Address 146, Jalan Ampang, 27th Floor, Menara Public Bank, Kuala Lumpur, SGR, MYS, 50450
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.
74GF Score

Get the complete analysis for XKLS:1295

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM4.81
Price
RM4.74
GF Value