Affin Bank Bhd (XKLS:5185) ROE % Adjusted to Book Value: 8.71% (As of Mar. 2026)


XKLS:5185 Affin Bank Bhd XKLS:5185
67 GF Score
Price RM2.25
GF Value RM2.87
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Affin Bank Bhd ROE % Adjusted to Book Value?

Affin Bank Bhd XKLS:5185 +0.45% 67 ROE % Adjusted to Book Value is 8.71% as of Mar. 2026. GuruFocus rates XKLS:5185 with a GF Score™ of 67/100 and a GF Value™ of RM2.87 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Affin Bank Bhd's ROE % for the quarter that ended in Mar. 2026 was 4.44%. Affin Bank Bhd's PB Ratio for the quarter that ended in Mar. 2026 was 0.51. Affin Bank Bhd's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 8.71%.


Affin Bank Bhd ROE % Adjusted to Book Value Related Terms


Affin Bank Bhd ROE % Adjusted to Book Value Historical Data

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The historical data trend for Affin Bank Bhd's ROE % Adjusted to Book 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.

Affin Bank Bhd ROE % Adjusted to Book Value Chart

Affin Bank Bhd Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.65 26.72 8.41 7.48 9.27

Affin Bank Bhd Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.46 8.94 9.80 8.55 8.71

XKLS:5185 vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Affin Bank Bhd's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book 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.


Affin Bank Bhd ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Affin Bank Bhd's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Affin Bank Bhd's ROE % Adjusted to Book Value falls into.


XKLS:5185
67GF Score
Affin Bank Bhd XKLS:5185
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Affin Bank Bhd ROE % Adjusted to Book Value Calculation

Affin Bank Bhd's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=4.54% / 0.49
=9.27%

Affin Bank Bhd's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=4.44% / 0.51
=8.71%

* 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.

What does a ROE % Adjusted to Book Value of 8.71% mean?
Affin Bank Bhd (XKLS:5185) has a ROE % Adjusted to Book Value of 8.71% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Affin Bank Bhd and its competitors.
Is Affin Bank Bhd's ROE % Adjusted to Book Value too high?
Affin Bank Bhd's current ROE % Adjusted to Book Value is 8.71%. Overall, Affin Bank Bhd has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Affin Bank Bhd's ROE % Adjusted to Book Value compare to PNC and USB?
Affin Bank Bhd's ROE % Adjusted to Book Value of 8.71% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Affin Bank Bhd and its competitors. Affin Bank Bhd's current ROE % Adjusted to Book Value is 8.71%. 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 ROE % Adjusted to Book Value is 8.71%. Affin Bank Bhd's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Affin Bank Bhd (XKLS:5185), the current ROE % Adjusted to Book Value is 8.71% 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:

  • ROE % Adjusted to Book Value: 8.71%
  • GF Value™: RM2.87 vs. price of RM2.25 (21.6% below fair value)
  • GF Score™: 67/100 with 4 warning signs

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 Business Description

Address Lingkaran TRX, Level 19, Menara AFFIN, Tun Razak Exchange, Kuala Lumpur, SGR, MYS, 55188
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.
67GF Score

Get the complete analysis for XKLS:5185

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM2.25
Price
RM2.87
GF Value