Malayan Banking BhdMLYBY -1.11%70 ROA % is 0.96% as of Mar. 2026, which is at its 10-year median of 0.96. GuruFocus rates MLYBY with a GF Score™ of 70/100 and a GF Value™ of $6.08 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 1,528 Banks companies, Malayan Banking Bhd ranks better than 50.13% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Malayan Banking Bhd's annualizedNet Income for the quarter that ended in Mar. 2026 was $2,512 Mil.
Malayan Banking Bhd's average Total Assets over the quarter that ended in Mar. 2026 was $262,338 Mil. Therefore, Malayan Banking Bhd's annualized ROA % for the quarter that ended in Mar. 2026 was 0.96%.
The historical rank and industry rank for Malayan Banking Bhd's ROA % or its related term are showing as below:
MLYBY'
s ROA % Range Over the Past 10 Years
Min: 0.77 Med: 0.96 Max: 1.03
Current: 0.98
During the past 13 years, Malayan Banking Bhd's highest ROA % was 1.03%. The lowest was 0.77%. And the median was 0.96%.
MLYBY's ROA % is ranked better than 50.13% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs MLYBY: 0.98
Malayan Banking Bhd (OTCPK:MLYBY) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Malayan Banking Bhd ROA % Related Terms
Malayan Banking Bhd ROA % Historical Data
* Premium members only.
The historical data trend for Malayan Banking Bhd's ROA % 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, Malayan Banking Bhd's ROA %, along with its competitors' market caps and ROA % 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.
Malayan Banking Bhd ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Malayan Banking Bhd's ROA % distribution charts can be found below:
* The bar in red indicates where Malayan Banking Bhd's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Malayan Banking Bhd (MLYBY) has a ROA % of 0.96% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Malayan Banking Bhd and its competitors. This is near median its historical median of 0.96. Over the past decade, Malayan Banking Bhd's ROA % has ranged from 0.77 to 1.03. According to the industry distribution chart, Malayan Banking Bhd ranks #762 out of 1528 companies in the Banks industry, placing it in the top 49.9%.
Is Malayan Banking Bhd's ROA % too high?
Malayan Banking Bhd's current ROA % of 0.96% is near median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 1.03. The Banks industry median ROA % is 0.98. Malayan Banking Bhd's value of 0.96% is 2% below this industry median. Based on the distribution chart, Malayan Banking Bhd ranks #762 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Malayan Banking Bhd has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Malayan Banking Bhd's ROA % compare to competitors?
According to the Banks industry distribution chart, Malayan Banking Bhd ranks #762 out of 1528 companies for ROA %. This puts Malayan Banking Bhd in the upper half of its industry. The industry median ROA % is 0.98. Malayan Banking Bhd's value of 0.96% is 2% below this benchmark. Historically, Malayan Banking Bhd's own ROA % has ranged from 0.77 to 1.03 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 0.98, Malayan Banking 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malayan Banking Bhd's current ROA % of 0.96% is 2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Malayan Banking Bhd and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malayan Banking Bhd's current ROA % is 0.96%, which is near median its own 10-year median of 0.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Malayan Banking Bhd stock overvalued right now?
Based on GuruFocus' analysis, Malayan Banking Bhd (MLYBY) is currently considered Modestly Undervalued. The stock's GF Value™ is $6.08, compared to a current price of $5.20 — trading 14.5% below its estimated fair value. The current ROA % is 0.96%, which is near median its 10-year median of 0.96 and 2% below the Banks industry median of 0.98. Malayan Banking Bhd's overall GF Score™ is 70/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Malayan Banking Bhd (MLYBY), the current ROA % is 0.96% 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 Malayan Banking Bhd (MLYBY) Overvalued in 2026?
Based on GuruFocus' analysis, Malayan Banking Bhd stock appears to be undervalued.
The current stock price of $5.20 is trading 14.5% below its estimated GF Value™ of $6.08.
GuruFocus considers Malayan Banking Bhd to be Modestly Undervalued.
Key valuation signals for MLYBY:
ROA %: 0.96% (near median its 10-year median of 0.96)
GF Value™: $6.08 vs. price of $5.20 (14.5% below fair value)
Industry Position: 2% below the Banks median (#762 of 1528)
No single metric tells the full story. See the MLYBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Malayan Banking Bhd is engaged in the businesses of banking and finance, Islamic banking, investment banking, including stockbroking, underwriting of general and life insurance, general and family takaful, trustee and nominee services, and asset management. The company's segment includes Group Community Financial Services, Group Corporate Banking and Global Markets; Group Investment Banking; Group Asset Management; Group Insurance and Takaful; Head Office and Others. It generates maximum revenue from the Group Community Financial Services segment. The Group has operations in Malaysia, Singapore, Indonesia, the Philippines, Brunei, People's Republic of China, Hong Kong SAR, Vietnam, the United Kingdom, the United States of America, Cambodia, Laos, Myanmar, and Thailand.
70GF Score
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