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AMMB Holdings BhdXKLS:1015 +0.27%56 Net Margin % is 41.04% as of Mar. 2026, which is 17% above its 10-year median of 35.03. GuruFocus rates XKLS:1015 with a GF Score™ of 56/100 and a GF Value™ of RM5.81 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, AMMB Holdings Bhd ranks better than 84.93% on this metric.
AMMB Holdings Bhd (XKLS:1015) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
AMMB Holdings Bhd Net Margin % Related Terms
AMMB Holdings Bhd Net Margin % Historical Data
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The historical data trend for AMMB Holdings Bhd's Net 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.
AMMB Holdings Bhd Net Margin % Competitor Comparison
For the Banks - Regional subindustry, AMMB Holdings Bhd's Net Margin %, along with its competitors' market caps and Net 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.
AMMB Holdings Bhd Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AMMB Holdings Bhd's Net Margin % distribution charts can be found below:
* The bar in red indicates where AMMB Holdings Bhd's Net Margin % 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.
AMMB Holdings Bhd (XKLS:1015) has a Net Margin % of 41.04% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on AMMB Holdings Bhd and its competitors. This is 17% above median its historical median of 35.03. According to the industry distribution chart, AMMB Holdings Bhd ranks #230 out of 1526 companies in the Banks industry, placing it in the top 15.1%.
Is AMMB Holdings Bhd's Net Margin % too high?
AMMB Holdings Bhd's current Net Margin % of 41.04% is 17% above median its 10-year median of 35.03. The Banks industry median Net Margin % is 27.10. AMMB Holdings Bhd's value of 41.04% is 51.5% above this industry median. Based on the distribution chart, AMMB Holdings Bhd ranks #230 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, AMMB Holdings Bhd has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AMMB Holdings Bhd's Net Margin % compare to competitors?
According to the Banks industry distribution chart, AMMB Holdings Bhd ranks #230 out of 1526 companies for Net Margin %. This places AMMB Holdings Bhd in the top 15% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.10. AMMB Holdings Bhd's value of 41.04% is 51.5% above this benchmark. While the company's 10-year median is 35.03 vs. the industry median of 27.10, AMMB Holdings 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMMB Holdings Bhd's current Net Margin % of 41.04% is 51.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on AMMB Holdings Bhd and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMMB Holdings Bhd's current Net Margin % is 41.04%, which is 17% above median its own 10-year median of 35.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMMB Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, AMMB Holdings Bhd (XKLS:1015) is currently considered Modestly Overvalued. The stock's GF Value™ is RM5.81, compared to a current price of RM7.35 — trading 26.5% above its estimated fair value. The current Net Margin % is 41.04%, which is 17% above median its 10-year median of 35.03 and 51.5% above the Banks industry median of 27.10. AMMB Holdings Bhd's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For AMMB Holdings Bhd (XKLS:1015), the current Net Margin % is 41.04% 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 AMMB Holdings Bhd (XKLS:1015) Overvalued in 2026?
Based on GuruFocus' analysis, AMMB Holdings Bhd stock appears to be overvalued.
The current stock price of RM7.35 is trading 26.5% above its estimated GF Value™ of RM5.81.
GuruFocus considers AMMB Holdings Bhd to be Modestly Overvalued.
Key valuation signals for XKLS:1015:
Net Margin %: 41.04% (17% above median its 10-year median of 35.03)
GF Value™: RM5.81 vs. price of RM7.35 (26.5% above fair value)
Industry Position: 51.5% above the Banks median (#230 of 1526)
No single metric tells the full story. See the XKLS:1015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMMB Holdings Bhd is a provider of banking and financial services in Malaysia through its subsidiaries: AmBank and AmBank Islamic. The bank's substantial segment which contributes the vast majority of revenue, is retail banking. The retail banking segment provides individuals and small businesses with services such as credit, auto financing, mortgages, credit cards, capital financing, personal loans, deposits, current accounts, and savings accounts. The wholesale banking business engages with corporate finance and advisory services, restructuring, security issuance, futures market services, stockbroking, and derivatives services. The insurance division offers life and general insurance products via its partnership with MetLife International. Investment banking, Fund management.
56GF Score
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