Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Public Bank BhdXKLS:1295 -1.16%74 Peter Lynch Fair Value is RM1.99 as of Jul. 26, 2026, which is 100% below its 10-year median of 1.94. GuruFocus rates XKLS:1295 with a GF Score™ of 74/100 and a GF Value™ of RM4.75 (Fairly Valued). The stock has 2 warning signs investors should review. Among 874 Banks companies, Public Bank Bhd ranks worse than 88.67% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Public Bank Bhd's PEG is 1. Public Bank Bhd's 5-Year TTM Book Value Growth Rate is 5.28.
Public Bank Bhd's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was RM0.38. Therefore, the Peter Lynch Fair Value for today is RM1.99.
As of today (2026-07-26), Public Bank Bhd's share price is RM5.11. Public Bank Bhd's Peter Lynch fair value is RM1.99. Therefore, Public Bank Bhd's Price to Peter Lynch Fair Value Ratio for today is 2.57.
The historical rank and industry rank for Public Bank Bhd's Peter Lynch Fair Value or its related term are showing as below:
XKLS:1295'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.8 Med: 1.94 Max: 2.41
Current: 2.41
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Public Bank Bhd was 2.41. The lowest was 0.80. And the median was 1.94.
XKLS:1295's Price-to-Peter-Lynch-Fair-Value is ranked worse than 88.67% of 874
companies
in the Banks industry
Industry Median: 1.12
vs XKLS:1295: 2.41
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Public Bank Bhd (XKLS:1295) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 5.28 instead of 15 in this case.
Public Bank Bhd's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
5.11
/
1.99
=
2.57
* 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.
Public Bank Bhd Peter Lynch Fair Value Related Terms
Public Bank Bhd Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Public Bank Bhd's Peter Lynch Fair Value 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 Peter Lynch Fair Value Competitor Comparison
For the Banks - Regional subindustry, Public Bank Bhd's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Public Bank Bhd's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Public Bank Bhd's Price-to-Peter-Lynch-Fair-Value falls into.
Public Bank Bhd's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was RM0.38.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of RM1.99 mean?
Public Bank Bhd (XKLS:1295) has a Peter Lynch Fair Value of RM1.99 as of Jul. 26, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Public Bank Bhd and its competitors. This is near median its historical median of 1.94. Over the past decade, Public Bank Bhd's Peter Lynch Fair Value has ranged from 0.80 to 2.41. According to the industry distribution chart, Public Bank Bhd ranks #775 out of 874 companies in the Banks industry, placing it in the top 88.7%.
Is Public Bank Bhd's Peter Lynch Fair Value too high?
Public Bank Bhd's current Peter Lynch Fair Value of RM1.99 is near median its 10-year median of 1.94. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 2.41. Based on the distribution chart, Public Bank Bhd ranks #775 out of 874 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Peter Lynch Fair Value compare to competitors?
According to the Banks industry distribution chart, Public Bank Bhd ranks #775 out of 874 companies for Peter Lynch Fair Value. This places Public Bank Bhd in the lower half of its industry. The industry median Peter Lynch Fair Value is 1.12. Historically, Public Bank Bhd's own Peter Lynch Fair Value has ranged from 0.80 to 2.41 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.12, based on 874 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Public Bank Bhd and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Public Bank Bhd's current Peter Lynch Fair Value is RM1.99, which is near median its own 10-year median of 1.94. 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 RM4.75, compared to a current price of RM5.11 — trading 7.6% above its estimated fair value. The current Peter Lynch Fair Value is RM1.99, which is near median its 10-year median of 1.94. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Public Bank Bhd (XKLS:1295), the current Peter Lynch Fair Value is RM1.99 as of Jul. 26, 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 RM5.11 is trading 7.6% above its estimated GF Value™ of RM4.75.
GuruFocus considers Public Bank Bhd to be Fairly Valued.
Key valuation signals for XKLS:1295:
Peter Lynch Fair Value: RM1.99 (near median its 10-year median of 1.94)
GF Value™: RM4.75 vs. price of RM5.11 (7.6% above fair value)
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
Get the complete analysis for XKLS:1295
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:1295 has been successfully added to your 
