Affin Bank BhdXKLS:5185 +0.90%66 Return-on-Tangible-Equity is 4.73% as of Mar. 2026, which is 21% below its 10-year median of 6.00. GuruFocus rates XKLS:5185 with a GF Score™ of 66/100 and a GF Value™ of RM2.87 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,521 Banks companies, Affin Bank Bhd ranks worse than 83.76% 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. Affin Bank Bhd's annualized net income for the quarter that ended in Mar. 2026 was RM542 Mil. Affin Bank Bhd's average shareholder tangible equity for the quarter that ended in Mar. 2026 was RM11,455 Mil. Therefore, Affin Bank Bhd's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.73%.
The historical rank and industry rank for Affin Bank Bhd's Return-on-Tangible-Equity or its related term are showing as below:
XKLS:5185'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.7 Med: 6 Max: 12.41
Current: 4.87
During the past 13 years, Affin Bank Bhd's highest Return-on-Tangible-Equity was 12.41%. The lowest was 2.70%. And the median was 6.00%.
XKLS:5185's Return-on-Tangible-Equity is ranked worse than 83.76% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs XKLS:5185: 4.87
Affin Bank Bhd (XKLS:5185) 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.
Affin Bank Bhd Return-on-Tangible-Equity Related Terms
Affin Bank Bhd Return-on-Tangible-Equity Historical Data
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The historical data trend for Affin 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.
XKLS:5185 vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Affin 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.
Affin Bank Bhd Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Affin Bank Bhd's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Affin 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 4.73% mean?
Affin Bank Bhd (XKLS:5185) has a Return-on-Tangible-Equity of 4.73% 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 Affin Bank Bhd and its competitors. This is 21% below median its historical median of 6.00. Over the past decade, Affin Bank Bhd's Return-on-Tangible-Equity has ranged from 2.70 to 12.41. According to the industry distribution chart, Affin Bank Bhd ranks #1274 out of 1521 companies in the Banks industry, placing it in the top 83.8%.
Is Affin Bank Bhd's Return-on-Tangible-Equity too high?
Affin Bank Bhd's current Return-on-Tangible-Equity of 4.73% is 21% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 2.70 to a high of 12.41. The Banks industry median Return-on-Tangible-Equity is 11.19. Affin Bank Bhd's value of 4.73% is 57.7% below this industry median. Based on the distribution chart, Affin Bank Bhd ranks #1274 out of 1521 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Affin Bank Bhd has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Affin Bank Bhd's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Affin Bank Bhd ranks #1274 out of 1521 companies for Return-on-Tangible-Equity. This places Affin Bank Bhd in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Affin Bank Bhd's value of 4.73% is 57.7% below this benchmark. Historically, Affin Bank Bhd's own Return-on-Tangible-Equity has ranged from 2.70 to 12.41 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 11.19, 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 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. Affin Bank Bhd's current Return-on-Tangible-Equity of 4.73% is 57.7% 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 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 Affin 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. Affin Bank Bhd's current Return-on-Tangible-Equity is 4.73%, which is 21% below median its own 10-year median of 6.00. 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 RM2.25 — trading 21.6% below its estimated fair value. The current Return-on-Tangible-Equity is 4.73%, which is 21% below median its 10-year median of 6.00 and 57.7% below the Banks industry median of 11.19. Affin Bank Bhd's overall GF Score™ is 66/100 with 4 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 Affin Bank Bhd (XKLS:5185), the current Return-on-Tangible-Equity is 4.73% 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 RM2.25 is trading 21.6% below its estimated GF Value™ of RM2.87.
GuruFocus considers Affin Bank Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5185:
Return-on-Tangible-Equity: 4.73% (21% below median its 10-year median of 6.00)
GF Value™: RM2.87 vs. price of RM2.25 (21.6% below fair value)
Industry Position: 57.7% below the Banks median (#1274 of 1521)
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.
66GF Score
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