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Public Bank BhdXKLS:1295 +0.96%74 ROE % is 11.77% as of Mar. 2026, which is 7% below its 10-year median of 12.72. GuruFocus rates XKLS:1295 with a GF Score™ of 74/100 and a GF Value™ of RM4.75 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Public Bank Bhd ranks better than 66.1% on this metric.
The historical rank and industry rank for Public Bank Bhd's ROE % or its related term are showing as below:
XKLS:1295'
s ROE % Range Over the Past 10 Years
Min: 10.73 Med: 12.72 Max: 15.91
Current: 12.35
During the past 13 years, Public Bank Bhd's highest ROE % was 15.91%. The lowest was 10.73%. And the median was 12.72%.
XKLS:1295's ROE % is ranked better than 66.1% of 1525
companies
in the Banks industry
Industry Median: 10.23
vs XKLS:1295: 12.35
Public Bank Bhd (XKLS:1295) 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.
Public Bank Bhd ROE % Related Terms
Public Bank Bhd ROE % Historical Data
* Premium members only.
The historical data trend for Public Bank 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, Public Bank 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.
Public Bank Bhd ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Public Bank Bhd's ROE % distribution charts can be found below:
* The bar in red indicates where Public Bank 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.
Public Bank Bhd (XKLS:1295) has a ROE % of 11.77% 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 Public Bank Bhd and its competitors. This is near median its historical median of 12.72. Over the past decade, Public Bank Bhd's ROE % has ranged from 10.73 to 15.91. According to the industry distribution chart, Public Bank Bhd ranks #517 out of 1525 companies in the Banks industry, placing it in the top 33.9%.
Is Public Bank Bhd's ROE % too high?
Public Bank Bhd's current ROE % of 11.77% is near median its 10-year median of 12.72. Over the past 10 years, this metric has ranged from a low of 10.73 to a high of 15.91. The Banks industry median ROE % is 10.23. Public Bank Bhd's value of 11.77% is 15.1% above this industry median. Based on the distribution chart, Public Bank Bhd ranks #517 out of 1525 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's ROE % compare to competitors?
According to the Banks industry distribution chart, Public Bank Bhd ranks #517 out of 1525 companies for ROE %. This puts Public Bank Bhd in the upper half of its industry. The industry median ROE % is 10.23. Public Bank Bhd's value of 11.77% is 15.1% above this benchmark. Historically, Public Bank Bhd's own ROE % has ranged from 10.73 to 15.91 over the past decade. While the company's 10-year median is 12.72 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,525 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. Public Bank Bhd's current ROE % of 11.77% is 15.1% 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 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 Public Bank Bhd and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Public Bank Bhd's current ROE % is 11.77%, which is near median its own 10-year median of 12.72. 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 Modestly Overvalued. The stock's GF Value™ is RM4.75, compared to a current price of RM5.25 — trading 10.5% above its estimated fair value. The current ROE % is 11.77%, which is near median its 10-year median of 12.72 and 15.1% above the Banks industry median of 10.23. Public Bank Bhd's overall GF Score™ is 74/100 with 3 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 Public Bank Bhd (XKLS:1295), the current ROE % is 11.77% 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 RM5.25 is trading 10.5% above its estimated GF Value™ of RM4.75.
GuruFocus considers Public Bank Bhd to be Modestly Overvalued.
Key valuation signals for XKLS:1295:
ROE %: 11.77% (near median its 10-year median of 12.72)
GF Value™: RM4.75 vs. price of RM5.25 (10.5% above fair value)
Industry Position: 15.1% above the Banks median (#517 of 1525)
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
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