Public Bank BhdXKLS:1295 +0.82%74 Return-on-Tangible-Equity is 12.41% as of Mar. 2026, which is 7% below its 10-year median of 13.40. GuruFocus rates XKLS:1295 with a GF Score™ of 74/100 and a GF Value™ of RM4.74 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,521 Banks companies, Public Bank Bhd ranks better than 61.34% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Public Bank Bhd's annualized net income for the quarter that ended in Mar. 2026 was RM7,007 Mil. Public Bank Bhd's average shareholder tangible equity for the quarter that ended in Mar. 2026 was RM56,463 Mil. Therefore, Public Bank Bhd's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.41%.
The historical rank and industry rank for Public Bank Bhd's Return-on-Tangible-Equity or its related term are showing as below:
XKLS:1295'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.33 Med: 13.4 Max: 17.22
Current: 12.99
During the past 13 years, Public Bank Bhd's highest Return-on-Tangible-Equity was 17.22%. The lowest was 11.33%. And the median was 13.40%.
XKLS:1295's Return-on-Tangible-Equity is ranked better than 61.34% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs XKLS:1295: 12.99
Public Bank Bhd (XKLS:1295) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Public Bank Bhd Return-on-Tangible-Equity Related Terms
Public Bank Bhd Return-on-Tangible-Equity Historical Data
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The historical data trend for Public Bank Bhd's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Public Bank Bhd's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Public Bank Bhd's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Public Bank Bhd's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.41% mean?
Public Bank Bhd (XKLS:1295) has a Return-on-Tangible-Equity of 12.41% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Public Bank Bhd and its competitors. This is near median its historical median of 13.40. Over the past decade, Public Bank Bhd's Return-on-Tangible-Equity has ranged from 11.33 to 17.22. According to the industry distribution chart, Public Bank Bhd ranks #588 out of 1521 companies in the Banks industry, placing it in the top 38.7%.
Is Public Bank Bhd's Return-on-Tangible-Equity too high?
Public Bank Bhd's current Return-on-Tangible-Equity of 12.41% is near median its 10-year median of 13.40. Over the past 10 years, this metric has ranged from a low of 11.33 to a high of 17.22. The Banks industry median Return-on-Tangible-Equity is 11.19. Public Bank Bhd's value of 12.41% is 10.9% above this industry median. Based on the distribution chart, Public Bank Bhd ranks #588 out of 1521 companies in the Banks industry, which is above the industry midpoint. 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 Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Public Bank Bhd ranks #588 out of 1521 companies for Return-on-Tangible-Equity. This puts Public Bank Bhd in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Public Bank Bhd's value of 12.41% is 10.9% above this benchmark. Historically, Public Bank Bhd's own Return-on-Tangible-Equity has ranged from 11.33 to 17.22 over the past decade. While the company's 10-year median is 13.40 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Public Bank Bhd's current Return-on-Tangible-Equity of 12.41% is 10.9% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Public Bank Bhd and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Public Bank Bhd's current Return-on-Tangible-Equity is 12.41%, which is near median its own 10-year median of 13.40. 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 RM4.74, compared to a current price of RM4.89 — trading 3.2% above its estimated fair value. The current Return-on-Tangible-Equity is 12.41%, which is near median its 10-year median of 13.40 and 10.9% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Public Bank Bhd (XKLS:1295), the current Return-on-Tangible-Equity is 12.41% 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 RM4.89 is trading 3.2% above its estimated GF Value™ of RM4.74.
GuruFocus considers Public Bank Bhd to be Fairly Valued.
Key valuation signals for XKLS:1295:
Return-on-Tangible-Equity: 12.41% (near median its 10-year median of 13.40)
GF Value™: RM4.74 vs. price of RM4.89 (3.2% above fair value)
Industry Position: 10.9% above the Banks median (#588 of 1521)
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
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