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Public Bank BhdXKLS:1295 +0.96%74 OCF Margin % is 42.15% as of Mar. 2026, which is 25% below its 10-year median of 56.02. GuruFocus rates XKLS:1295 with a GF Score™ of 74/100 and a GF Value™ of RM4.75 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,500 Banks companies, Public Bank Bhd ranks worse than 72.27% on this metric.
The historical rank and industry rank for Public Bank Bhd's OCF Margin % or its related term are showing as below:
XKLS:1295'
s OCF Margin % Range Over the Past 10 Years
Min: -21.66 Med: 56.02 Max: 129.74
Current: 8.06
During the past 13 years, the highest OCF Margin % of Public Bank Bhd was 129.74%. The lowest was -21.66%. And the median was 56.02%.
XKLS:1295's OCF Margin % is ranked worse than 72.27% of 1500
companies
in the Banks industry
Industry Median: 29.485
vs XKLS:1295: 8.06
Public Bank Bhd OCF Margin % Related Terms
Public Bank Bhd OCF Margin % Historical Data
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The historical data trend for Public Bank Bhd's OCF 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.
Public Bank Bhd OCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Public Bank Bhd's OCF Margin %, along with its competitors' market caps and OCF 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.
Public Bank Bhd OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Public Bank Bhd's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Public Bank Bhd's OCF 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.
Public Bank Bhd (XKLS:1295) has a OCF Margin % of 42.15% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Public Bank Bhd and its competitors. This is 25% below median its historical median of 56.02. According to the industry distribution chart, Public Bank Bhd ranks #1084 out of 1500 companies in the Banks industry, placing it in the top 72.3%.
Is Public Bank Bhd's OCF Margin % too high?
Public Bank Bhd's current OCF Margin % of 42.15% is 25% below median its 10-year median of 56.02. The Banks industry median OCF Margin % is 29.49. Public Bank Bhd's value of 42.15% is 43% above this industry median. Based on the distribution chart, Public Bank Bhd ranks #1084 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, Public Bank Bhd has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, Public Bank Bhd ranks #1084 out of 1500 companies for OCF Margin %. This places Public Bank Bhd in the lower half of its industry. The industry median OCF Margin % is 29.49. Public Bank Bhd's value of 42.15% is 43% above this benchmark. While the company's 10-year median is 56.02 vs. the industry median of 29.49, Public Bank 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.49, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Public Bank Bhd's current OCF Margin % of 42.15% is 43% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Public Bank Bhd and its competitors. For the Banks industry, the median OCF Margin % is 29.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Public Bank Bhd's current OCF Margin % is 42.15%, which is 25% below median its own 10-year median of 56.02. 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 Modestly Overvalued. The stock's GF Value™ is RM4.75, compared to a current price of RM5.25 — trading 10.5% above its estimated fair value. The current OCF Margin % is 42.15%, which is 25% below median its 10-year median of 56.02 and 43% above the Banks industry median of 29.49. Public Bank Bhd's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Public Bank Bhd (XKLS:1295), the current OCF Margin % is 42.15% 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 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 RM5.25 is trading 10.5% above its estimated GF Value™ of RM4.75.
GuruFocus considers Public Bank Bhd to be Modestly Overvalued.
Key valuation signals for XKLS:1295:
OCF Margin %: 42.15% (25% below median its 10-year median of 56.02)
GF Value™: RM4.75 vs. price of RM5.25 (10.5% above fair value)
Industry Position: 43% above the Banks median (#1084 of 1500)
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 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
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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