Affin Bank BhdXKLS:5185 67 Net Margin % is 20.74% as of Mar. 2026, which is 20% below its 10-year median of 25.98. 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 1,527 Banks companies, Affin Bank Bhd ranks worse than 66.93% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Affin Bank Bhd's Net Income for the
three
months ended in Mar. 2026 was RM135 Mil. Affin Bank Bhd's Revenue for the
three
months ended in Mar. 2026 was RM653 Mil. Therefore, Affin Bank Bhd's net margin for the quarter that ended in Mar. 2026 was 20.74%.
The historical rank and industry rank for Affin Bank Bhd's Net Margin % or its related term are showing as below:
XKLS:5185'
s Net Margin % Range Over the Past 10 Years
Min: 10.05 Med: 25.98 Max: 56.74
Current: 21.51
XKLS:5185's Net Margin % is ranked worse than 66.93% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XKLS:5185: 21.51
Affin Bank Bhd (XKLS:5185) 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.
Affin Bank Bhd Net Margin % Related Terms
Affin Bank Bhd Net Margin % Historical Data
* Premium members only.
The historical data trend for Affin Bank 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.
For the Banks - Regional subindustry, Affin Bank 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.
Affin Bank Bhd Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Affin Bank Bhd's Net Margin % distribution charts can be found below:
* The bar in red indicates where Affin Bank 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.
Affin Bank Bhd (XKLS:5185) has a Net Margin % of 20.74% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Affin Bank Bhd and its competitors. This is 20% below median its historical median of 25.98. Over the past decade, Affin Bank Bhd's Net Margin % has ranged from 10.05 to 56.74. According to the industry distribution chart, Affin Bank Bhd ranks #1022 out of 1527 companies in the Banks industry, placing it in the top 66.9%.
Is Affin Bank Bhd's Net Margin % too high?
Affin Bank Bhd's current Net Margin % of 20.74% is 20% below median its 10-year median of 25.98. Over the past 10 years, this metric has ranged from a low of 10.05 to a high of 56.74. The Banks industry median Net Margin % is 26.95. Affin Bank Bhd's value of 20.74% is 23% below this industry median. Based on the distribution chart, Affin Bank Bhd ranks #1022 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Affin Bank Bhd ranks #1022 out of 1527 companies for Net Margin %. This places Affin Bank Bhd in the lower half of its industry. The industry median Net Margin % is 26.95. Affin Bank Bhd's value of 20.74% is 23% below this benchmark. Historically, Affin Bank Bhd's own Net Margin % has ranged from 10.05 to 56.74 over the past decade. While the company's 10-year median is 25.98 vs. the industry median of 26.95, Affin Bank Bhd has consistently been below 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 26.95, based on 1,527 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. Affin Bank Bhd's current Net Margin % of 20.74% is 23% below 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 Affin Bank Bhd and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affin Bank Bhd's current Net Margin % is 20.74%, which is 20% below median its own 10-year median of 25.98. 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 Net Margin % is 20.74%, which is 20% below median its 10-year median of 25.98 and 23% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Affin Bank Bhd (XKLS:5185), the current Net Margin % is 20.74% 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:
Net Margin %: 20.74% (20% below median its 10-year median of 25.98)
GF Value™: RM2.87 vs. price of RM2.23 (22.3% below fair value)
Industry Position: 23% below the Banks median (#1022 of 1527)
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 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
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