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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Affin Bank Bhd's selling, general, & admin. expense for the
three
months ended in Mar. 2026 was RM64 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was RM223 Mil.
Affin Bank Bhd (XKLS:5185) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
Affin Bank Bhd Selling, General, & Admin. Expense Related Terms
Affin Bank Bhd Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for Affin Bank Bhd's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart
XKLS:5185 vs PNC, USB: Selling, General, & Admin. Expense Comparison
For the Banks - Regional subindustry, Affin Bank Bhd's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, Affin Bank Bhd's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where Affin Bank Bhd's Selling, General, & Admin. Expense falls into.
Affin Bank Bhd Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was RM223 Mil.
* 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 Selling, General, & Admin. Expense of RM223 Mil mean?
Affin Bank Bhd (XKLS:5185) has a Selling, General, & Admin. Expense of RM223 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Affin Bank Bhd and its competitors.
Is Affin Bank Bhd's Selling, General, & Admin. Expense too high?
Affin Bank Bhd's current Selling, General, & Admin. Expense is RM223 Mil. Overall, Affin Bank Bhd has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Affin Bank Bhd's Selling, General, & Admin. Expense compare to PNC and USB?
Affin Bank Bhd's Selling, General, & Admin. Expense of RM223 Mil 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 Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Affin Bank Bhd and its competitors. Affin Bank Bhd's current Selling, General, & Admin. Expense is RM223 Mil. 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 RM2.88, compared to a current price of RM2.21 — trading 23.3% below its estimated fair value. The current Selling, General, & Admin. Expense is RM223 Mil. Affin Bank Bhd's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Affin Bank Bhd (XKLS:5185), the current Selling, General, & Admin. Expense is RM223 Mil 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 RM2.21 is trading 23.3% below its estimated GF Value™ of RM2.88.
GuruFocus considers Affin Bank Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5185:
Selling, General, & Admin. Expense: RM223 Mil
GF Value™: RM2.88 vs. price of RM2.21 (23.3% below fair value)
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.
64GF Score
Get the complete analysis for XKLS:5185
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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