Affin Bank Bhd (XKLS:5185) Moat Score: 0/10 (As of Jul. 06, 2026)


XKLS:5185 Affin Bank Bhd XKLS:5185
67 GF Score
Price RM2.28
GF Value RM2.87
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is Affin Bank Bhd Moat Score?

Affin Bank Bhd has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Affin Bank Bhd has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Affin Bank Bhd might have No Moat - No discernible moat.

Affin Bank Bhd  (XKLS:5185) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Affin Bank Bhd Moat Score Related Terms

XKLS:5185
67GF Score
Affin Bank Bhd XKLS:5185
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 RM2.28 is trading 20.6% below its estimated GF Value™ of RM2.87. GuruFocus considers Affin Bank Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5185:

  • Moat Score: 0
  • GF Value™: RM2.87 vs. price of RM2.28 (20.6% 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

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

RM2.28
Price
RM2.87
GF Value