AMMB Holdings BhdAMMHF 54 ROE % is 9.90% as of Mar. 2026, which is 8% above its 10-year median of 9.20. GuruFocus rates AMMHF with a GF Score™ of 54/100 and a GF Value™ of $1.58 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, AMMB Holdings Bhd ranks worse than 51.77% on this metric.
The historical rank and industry rank for AMMB Holdings Bhd's ROE % or its related term are showing as below:
AMMHF'
s ROE % Range Over the Past 10 Years
Min: -23.04 Med: 9.2 Max: 10
Current: 10
During the past 13 years, AMMB Holdings Bhd's highest ROE % was 10.00%. The lowest was -23.04%. And the median was 9.20%.
AMMHF's ROE % is ranked worse than 51.77% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs AMMHF: 10.00
AMMB Holdings Bhd (OTCPK:AMMHF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
AMMB Holdings Bhd ROE % Related Terms
AMMB Holdings Bhd ROE % Historical Data
* Premium members only.
The historical data trend for AMMB Holdings Bhd's ROE % 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, AMMB Holdings Bhd's ROE %, along with its competitors' market caps and ROE % 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.
AMMB Holdings Bhd ROE % vs Banks Industry
For the Banks industry and Financial Services sector, AMMB Holdings Bhd's ROE % distribution charts can be found below:
* The bar in red indicates where AMMB Holdings Bhd's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
AMMB Holdings Bhd (AMMHF) has a ROE % of 9.90% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AMMB Holdings Bhd and its competitors. This is near median its historical median of 9.20. According to the industry distribution chart, AMMB Holdings Bhd ranks #789 out of 1524 companies in the Banks industry, placing it in the top 51.8%.
Is AMMB Holdings Bhd's ROE % too high?
AMMB Holdings Bhd's current ROE % of 9.90% is near median its 10-year median of 9.20. The Banks industry median ROE % is 10.22. AMMB Holdings Bhd's value of 9.90% is 3.1% below this industry median. Based on the distribution chart, AMMB Holdings Bhd ranks #789 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, AMMB Holdings Bhd has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AMMB Holdings Bhd's ROE % compare to competitors?
According to the Banks industry distribution chart, AMMB Holdings Bhd ranks #789 out of 1524 companies for ROE %. This places AMMB Holdings Bhd in the lower half of its industry. The industry median ROE % is 10.22. AMMB Holdings Bhd's value of 9.90% is 3.1% below this benchmark. While the company's 10-year median is 9.20 vs. the industry median of 10.22, AMMB Holdings 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMMB Holdings Bhd's current ROE % of 9.90% is 3.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AMMB Holdings Bhd and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMMB Holdings Bhd's current ROE % is 9.90%, which is near median its own 10-year median of 9.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMMB Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, AMMB Holdings Bhd (AMMHF) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.58, compared to a current price of $1.26 — trading 20.6% below its estimated fair value. The current ROE % is 9.90%, which is near median its 10-year median of 9.20 and 3.1% below the Banks industry median of 10.22. AMMB Holdings Bhd's overall GF Score™ is 54/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For AMMB Holdings Bhd (AMMHF), the current ROE % is 9.90% 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 AMMB Holdings Bhd (AMMHF) Overvalued in 2026?
Based on GuruFocus' analysis, AMMB Holdings Bhd stock appears to be undervalued.
The current stock price of $1.26 is trading 20.6% below its estimated GF Value™ of $1.58.
GuruFocus considers AMMB Holdings Bhd to be Modestly Undervalued.
Key valuation signals for AMMHF:
ROE %: 9.90% (near median its 10-year median of 9.20)
GF Value™: $1.58 vs. price of $1.26 (20.6% below fair value)
Industry Position: 3.1% below the Banks median (#789 of 1524)
No single metric tells the full story. See the AMMHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMMB Holdings Bhd is a provider of banking and financial services in Malaysia through its subsidiaries: AmBank and AmBank Islamic. The bank's substantial segment which contributes the vast majority of revenue, is retail banking. The retail banking segment provides individuals and small businesses with services such as credit, auto financing, mortgages, credit cards, capital financing, personal loans, deposits, current accounts, and savings accounts. The wholesale banking business engages with corporate finance and advisory services, restructuring, security issuance, futures market services, stockbroking, and derivatives services. The insurance division offers life and general insurance products via its partnership with MetLife International. Investment banking, Fund management.
54GF Score
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