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INSAS INSAS BERHAD

3379.KL · Financial Services · Other Financials
Top 3% of scored stocks
Compare with nearby peers
StrongTop 3% of scored stocksLast year (FY2025): 62
Low-Price Yield

INSAS scores 85/100 on fundamentals: in the top 3% of 1120 scored Bursa Malaysia stocks. Its strongest area is Financial Safety (100/100); its weakest is Cash & Dividends (63/100). It carries 1 warning flag: Low-Price Yield.

Best
Financial 100
Price 100
Weakest
Cash 63
  • Carries a Low-Price Yield flag
Mkt capRM 606.8m#271 of 1113 in BursaEPSRM 0.28P/E3.4×✓ vs sector avg 11.8×P/B0.2×✓ vs sector avg 1.4×Div yield3%✓ Top 28% in Bursa52w range · 37% of range0.820.97
as of 18 Oct 2026

Nearby peers

Ranks #3 of 38 in Financial Services by score

#1MANULFE89#2ALLIANZ85
#3INSAS85
#4RHBBANK81#5MNRB81#6AMBANK75

One-Minute Summary

Why INSAS scores 85

A financially strong, inexpensively priced stock with healthy growth, but cash & dividends needs attention.

What looks good
What to watch

After Jun '26 results: 62 → 62See all movers →

Business Strength

80
Why 80?
Pillar score: (0 + 2 + 2 + 2 + 2) = 8 of 10 points → 80
Return on Equity (ROE)7%Weak4-Year Revenue Growth+25%/yrStrong4-Year Profit Growth+15%/yrStrongNet Profit Margin43%StrongQuarterly Momentum+75%Strong
Show 3 charts

Net Profit & Equity, with ROE

Net Profit ↑ +51.5%Equity ↑ +13%ROE % 7%
Net ProfitEquityROE %
123m83m94m186m2.3b2.4b2.5b2.6b20232024202520265.2%3.4%3.8%7%

Revenue & Net Profit, with Net Margin

Revenue ↑ +97.6%Net Profit ↑ +51.5%Net Margin % 43.4%
RevenueNet ProfitNet Margin %
217m292m246m428m123m83m94m186m202320242025202656.6%28.3%38.2%43.4%

Sales grew about 97.6% over 4 years: customers keep spending more with this company.

Profit climbed about 51.5% over 4 years: the business keeps more money as it grows.

Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)

Revenue ↑ +241.6%Net Profit ↑ +290.2%Net Margin % 52.2%
RevenueNet ProfitNet Margin %
56m52m74m64m54m144m40m191m26m28m21m20m28m33m26m100mSep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '2645.7%53.6%28.2%30.9%51.5%23%64%52.2%
▲▲▲▼▲▲▲▲

Sales grew about 241.6% over the last 8 quarters: customers keep spending more with this company.

Profit grew about 290.2% over the last 8 quarters: the business is keeping more of what it earns.

Why 100?
Pillar score: (2 + 2 + 2) = 6 of 6 points → 100
Debt-to-Equity0.2×StrongCurrent Ratio4.9×StrongInterest Coverage10.8×Strong
Show 2 charts

Debt vs Equity, with D/E ratio

Total Debt ↑ +59%Equity ↑ +13%D/E 0.2×
Total DebtEquityD/E
267m252m291m425m2.3b2.4b2.5b2.6b20232024202520260.1×0.1×0.1×0.2×

Borrowings grew about 59% over 4 years: watch this; rising debt adds pressure in bad times.

Short-term assets vs bills, with Current Ratio

Current Assets ↑ +20.6%Current Liabilities ↑ +48.2%Current Ratio 4.9×
Current AssetsCurrent LiabilitiesCurrent Ratio
2.0b2.1b2.1b2.4b333m323m469m493m20232024202520266×6.5×4.5×4.9×
Why 63?
Pillar score: (1 + 1 + 2 + 1) = 5 of 8 points → 63
Dividend Quality3%Okay
Payout ratio: 11%
Operating Cash FlowPositive but bumpyOkayFree Cash FlowPositive & growingStrongCash & Cash EquivalentsPartly healthyOkay
Show 3 charts

Operating vs Free Cash Flow

Operating CF ↓ -75.1%Free CF ↓ -75.8%
Operating CFFree CF
155m114m-94m39m151m111m-99m37m2023202420252026

Cash keeps coming in, though unevenly: fine, but worth keeping an eye on.

Cash vs Total Debt

Cash ↑ +136.9%Short-Term Debt ↑ +91.9%Total Debt ↑ +59%
CashShort-Term DebtTotal Debt
102m183m174m241m205m199m253m394m267m252m291m425m2023202420252026

Dividends per Share, with Yield

DPS (sen) ↑ +20%Yield % 3.4%
DPS (sen)Yield %
2.52.52.5320222023202420253.5%3.3%2.5%3.4%

Dividends per share have been maintained or raised: management shares the rewards with you.

Why 100?
Pillar score: (2 + 2 + 2) = 6 of 6 points → 100
P/E Ratio3.4×StrongP/B Ratio0.2×StrongPEG Ratio0.2Strong
Show chart

Score vs Share Price

Score (0-100)Share price
RM 0.94RM 0.87RM 0.81100500score 62 → 85Oct '25Feb '26Jun '26Oct '26💰

The share price is up about 8.4% over the past year.

What happened, and how the price moved

  • 30 Dec 2025Ex-dividend 3.0 sen a share3.5% yield at that priceWeek▲4.0%KLCI −0.4%Month▲6.9%KLCI +2.6%
Why 83?
Pillar score: (2 + 0 + 2 + 2 + 2 + 2) = 10 of 12 points → 83
Earnings ConsistencySteadyStrongDebt Trend (4yr)RisingWeakShare Count Trend (4yr)+2%/yrStrongInventory vs Sales (4yr)-32.2 pp/yr vs salesStrongAsset Turnover Trend (4yr)+78.6%StrongQuarterly Consistency0 of 4 quarters downStrong
Show chart

Revenue vs Inventory, with Inventory % of Revenue

Revenue ↑ +97.6%Inventory ↓ -19.1%Inv. % of Rev. 6.9%
RevenueInventoryInv. % of Rev.
217m292m246m428m37m32m30m30m202320242025202616.9%10.9%12.2%6.9%

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Ranks #3 of 38 in Financial Services by score

Sector peers

#1MANULFE89#2ALLIANZ85
#3INSAS (you)85
#4RHBBANK81#5MNRB81#6AMBANK75

Full Financial History

Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.

Financial YearRevenueNet ProfitOperating Cash FlowFree Cash FlowCapExCashTotal DebtShort-Term DebtEquityCurrent AssetsCurrent LiabilitiesTotal AssetsTotal LiabilitiesInventoryDividendsReturn on Equity (ROE)Net Profit MarginDebt-to-EquityCurrent RatioInterest CoverageDividend Payout RatioDiv yieldP/E RatioP/B RatioPEG Ratio
2026RM 428.3mRM 186.0mRM 38.7mRM 36.6mRM -2.2mRM 240.7mRM 424.8mRM 394.0mRM 2.6bRM 2.4bRM 493.0mRM 3.4bRM 531.1mRM 29.6m-7%43%0.2×4.9×10.8×11%0%3.2×0.2×0.2
2025RM 245.6mRM 93.9mRM -94.3mRM -98.6mRM -4.3mRM 174.2mRM 290.9mRM 253.2mRM 2.5bRM 2.1bRM 468.9mRM 3.2bRM 513.7mRM 30.0mRM 3.0m4%38%0.1×4.5×6.6×18%4%6.0×0.2×-
2024RM 291.8mRM 82.6mRM 114.0mRM 110.9mRM -3.1mRM 182.7mRM 251.6mRM 198.5mRM 2.4bRM 2.1bRM 323.2mRM 3.1bRM 514.3mRM 31.7mRM 2.5m3%28%0.1×6.5×6.1×20%3%8.0×0.3×-
2023RM 216.8mRM 122.8mRM 155.3mRM 151.4mRM -3.9mRM 101.6mRM 267.1mRM 205.3mRM 2.3bRM 2.0bRM 332.6mRM 3.0bRM 531.2mRM 36.6mRM 2.5m5%57%0.1×6.0×8.2×14%3%4.0×0.2×-