AFFIN AFFIN BANK BERHAD
AFFIN scores 69/100 on fundamentals: in the top 18% of 1120 scored Bursa Malaysia stocks. Its strongest area is Price Fairness (100/100); its weakest is Financial Safety (50/100).
Nearby peers
Ranks #14 of 38 in Financial Services by score
One-Minute Summary
Why AFFIN scores 69
An inexpensively priced stock with healthy growth, but financial safety needs attention.
After Jun '26 results: 54 → 47−7· Quarterly Momentum Strong → OkaySee all movers →
Business Strength
70Why 70?
Show 3 charts
Net Profit & Equity, with ROE
Revenue & Net Profit, with Net Margin
Sales grew about 33.7% over 4 years: customers keep spending more with this company.
Profit climbed about 33.2% over 4 years: the business keeps more money as it grows.
Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)
Sales have stayed roughly flat over the last 8 quarters.
Profit fell about 12.6% over the last 8 quarters.
Financial Safety
50Why 50?
Cash & Dividends
50Why 50?
Show 2 charts
Cash vs Total Debt
Dividends per Share, with Yield
Dividends were cut during this period: payouts here are not guaranteed pocket money.
Price Fairness
100Why 100?
Show chart
Score vs Share Price
The share price is down about 12.9% over the past year.
What happened, and how the price moved
After the last 3 results shown, the price beat the KLCI in the week of the news 2 times.
- 13 Aug 2026Affin Bank Q2 net profit falls 11pct on higher impairment allowances · NST Online +5 moreScore 54 → 47Week▼0.9%KLCI −0.5%Month▼9.8%KLCI −1.6%
- 17 May 2026Affin Bank Q1 profit edges higher as loan growth, fee income offset credit costs · NST Online +4 moreScore 45 → 54Week▲1.0%KLCI −0.4%Month▼1.9%KLCI −3.1%
- 11 May 2026Ex-dividend 8.5 sen a share3.5% yield at that priceWeek▲1.0%KLCI −0.4%Month▼1.9%KLCI −3.1%
- 26 Feb 2026Affin Bank's 4Q earnings slip 6%, weighed by provisions for bad debts · The Edge Malaysia +1 moreScore 54 → 45Week▼1.1%KLCI −2.1%Month▼3.0%KLCI −1.8%
Risk
67Why 67?
Get an email when AFFIN's score changes, and why
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AFFIN (5185.KL) scores 69/100 (Okay) on Score Your Stock's educational fundamentals model: in the top 18% of 1120 scored Bursa Malaysia stocks.
Its strongest pillar is Price Fairness (100/100); its weakest is Financial Safety (50/100).
AFFIN ranks #14 of 38 scored Financial Services stocks on Score Your Stock.
Yes. AFFIN (5185.KL) has a dividend yield of 4.2%, from dividends with an ex-date in the last 12 months. It pays out 42% of its profit as dividends. Its Cash & Dividends pillar scores 50/100.
Open a trading account and a CDS account with any Bursa Malaysia broker, then place a buy order for 5185.KL in lots of 100 shares. Broker fees for the same trade differ a lot between brokers: compare them for your trade size at https://scoreyourstock.com/tools/brokerage-fee-calculator.
The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk (for banks, Financial Safety checks impaired loans, loan loss coverage and the CET1 capital ratio instead of debt and liquidity). Full methodology, the default weights, and how to set your own: https://scoreyourstock.com/how. This is an educational tool, not investment advice.
Mid-sized bank offering commercial, Islamic and investment banking, stockbroking and insurance. On Score Your Stock's fundamentals check, it scores 69/100, rated Okay. Its biggest strength is Price Fairness (100/100); its main watch-out is Financial Safety (50/100). Shares currently cost about 10 years of its current profit to buy (P/E 9.6×). It also pays back about 4.2% of the share price as dividends each year. Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/klse/5185-affin
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 Year | Revenue | Net Profit | Operating Cash Flow | Free Cash Flow | CapEx | Cash | Total Debt | Equity | Total Assets | Total Liabilities | Dividends | Return on Equity (ROE) | Net Profit Margin | Debt-to-Equity | Dividend Payout Ratio | Div yield | P/E Ratio | P/B Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | RM 2.6b | RM 535.6m | RM -1.4b | RM -1.6b | RM -204.0m | RM 6.3b | RM 7.7b | RM 12.4b | RM 129.4b | RM 117.0b | - | 4% | 21% | 0.6× | 42% | - | - | - |
| 2025 | RM 2.5b | RM 540.2m | RM -1.2b | RM -1.5b | RM -231.6m | RM 7.9b | RM 6.2b | RM 12.2b | RM 124.1b | RM 111.9b | RM 0.0m | 4% | 22% | 0.5× | - | 0% | 10.7× | 0.5× |
| 2024 | RM 2.3b | RM 509.7m | RM -88.6m | RM -385.7m | RM -297.0m | RM 5.0b | RM 3.8b | RM 11.6b | RM 111.8b | RM 100.2b | RM 5.5m | 4% | 23% | 0.3× | 3% | 2% | 13.3× | 0.6× |
| 2023 | RM 1.9b | RM 402.2m | RM 1.5b | RM 1.3b | RM -189.4m | RM 8.2b | RM 3.4b | RM 11.1b | RM 105.2b | RM 94.1b | RM 7.4m | 4% | 21% | 0.3× | 13% | 4% | 11.5× | 0.4× |