APS Bank (MAL:APS) Asset Turnover: 0.01 (As of Dec. 2025)


MAL:APS APS Bank Ltd MAL:APS
20 GF Score
Price €0.57
GF Value €0.61
Valuation Fairly Valued
! 7 Warning Signs
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What is APS Bank Asset Turnover?

APS Bank MAL:APS +0.88% 20 Asset Turnover is 0.01 as of Dec. 2025. GuruFocus rates MAL:APS with a GF Score™ of 20/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review.

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. APS Bank's Revenue for the six months ended in Dec. 2025 was €48.50 Mil. APS Bank's Total Assets for the quarter that ended in Dec. 2025 was €4,483.94 Mil. Therefore, APS Bank's Asset Turnover for the quarter that ended in Dec. 2025 was 0.01.

Asset Turnover is linked to ROE % through Du Pont Formula. APS Bank's annualized ROE % for the quarter that ended in Dec. 2025 was 7.01%. It is also linked to ROA % through Du Pont Formula. APS Bank's annualized ROA % for the quarter that ended in Dec. 2025 was 0.50%.

APS Bank  (MAL:APS) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

APS Bank's annulized ROE % for the quarter that ended in Dec. 2025 is

ROE %**(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=22.618/322.7825
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(22.618 / 97.004)*(97.004 / 4483.938)*(4483.938/ 322.7825)
=Net Margin %*Asset Turnover*Equity Multiplier
=23.32 %*0.0216*13.8915
=ROA %*Equity Multiplier
=0.50 %*13.8915
=7.01 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) 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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

APS Bank's annulized ROA % for the quarter that ended in Dec. 2025 is

ROA %(Q: Dec. 2025 )
=Net Income/Total Assets
=22.618/4483.938
=(Net Income / Revenue)*(Revenue / Total Assets)
=(22.618 / 97.004)*(97.004 / 4483.938)
=Net Margin %*Asset Turnover
=23.32 %*0.0216
=0.50 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) 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

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.

APS Bank Asset Turnover Related Terms

APS Bank Asset Turnover Historical Data

* Premium members only.

The historical data trend for APS Bank's Asset Turnover 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.

APS Bank Asset Turnover Chart

APS Bank Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover
0.02 0.02 0.03 0.02 0.02

APS Bank Semi-Annual Data
Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Asset Turnover Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 0.01 0.01 0.01 0.01

MAL:APS vs PNC, USB: Asset Turnover Comparison

For the Banks - Regional subindustry, APS Bank's Asset Turnover, along with its competitors' market caps and Asset Turnover 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.

APS Bank Asset Turnover vs Banks Industry

For the Banks industry and Financial Services sector, APS Bank's Asset Turnover distribution charts can be found below:

* The bar in red indicates where APS Bank's Asset Turnover falls into.


MAL:APS
20GF Score
APS Bank Ltd MAL:APS
Asset Turnover is just one metric. See GF Score™, valuation, warning signs, and more.
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APS Bank Asset Turnover Calculation

Asset Turnover measures how quickly a company turns over its asset through sales.

APS Bank's Asset Turnover for the fiscal year that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Dec. 2025 )/( (Total Assets (A: Dec. 2024 )+Total Assets (A: Dec. 2025 ))/ count )
=89.262/( (4161.152+4645.077)/ 2 )
=89.262/4403.1145
=0.02

APS Bank's Asset Turnover for the quarter that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Jun. 2025 )+Total Assets (Q: Dec. 2025 ))/ count )
=48.502/( (4322.799+4645.077)/ 2 )
=48.502/4483.938
=0.01

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.

Frequently Asked Questions Learn more about Asset Turnover →
What does a Asset Turnover of 0.01 mean?
APS Bank (MAL:APS) has a Asset Turnover of 0.01 as of Dec. 2025. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on APS Bank and its competitors.
Is APS Bank's Asset Turnover too high?
APS Bank's current Asset Turnover is 0.01. Overall, APS Bank has a GF Score™ of 20/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's Asset Turnover compare to PNC and USB?
APS Bank's Asset Turnover of 0.01 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 Asset Turnover for a Banks company?
A good Asset Turnover depends on the Banks industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on APS Bank and its competitors. APS Bank's current Asset Turnover is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.57 — trading 6.6% below its estimated fair value. The current Asset Turnover is 0.01. APS Bank's overall GF Score™ is 20/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For APS Bank (MAL:APS), the current Asset Turnover is 0.01 as of Dec. 2025. 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 APS Bank (MAL:APS) Overvalued in 2026?

Based on GuruFocus' analysis, APS Bank stock appears to be undervalued. The current stock price of €0.57 is trading 6.6% below its estimated GF Value™ of €0.61. GuruFocus considers APS Bank to be Fairly Valued.

Key valuation signals for MAL:APS:

  • Asset Turnover: 0.01
  • GF Value™: €0.61 vs. price of €0.57 (6.6% below fair value)
  • GF Score™: 20/100 with 7 warning signs

No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

APS Bank Business Description

Address Tower Street, APS Centre, APS Bank, Birkirkara, MLT, BKR 4012
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
20GF Score

Get the complete analysis for MAL:APS

Asset Turnover is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.57
Price
€0.61
GF Value