# AFFIN - AFFIN BANK BERHAD (5185.KL)

Stock code 5185 · Yahoo ticker 5185.KL · Sector: Financial Services

Overall fundamentals score: 69/100 (Okay). Top 18% of scored stocks.

## Pillar scores

| Pillar | Score | Status |
|---|---|---|
| Business Strength | 70/100 | Okay |
| Financial Safety | 50/100 | Okay |
| Cash & Dividends | 50/100 | Okay |
| Price Fairness | 100/100 | Strong |
| Risk | 67/100 | Okay |

## Every measure

AFFIN (5185.KL): Overall score: 69/100 (Okay)

Business Strength: 70/100 (Okay)
Return on Equity (ROE) 4% - Weak
4-Year Revenue Growth +10%/yr - Strong
4-Year Profit Growth +10%/yr - Strong
Net Profit Margin 21% - Strong
Quarterly Momentum +8% - Okay

Financial Safety: 50/100 (Okay)
Impaired Loans 1.82% - Okay
Loan Loss Coverage 71% - Okay
Capital Ratio (CET1) 12.6% - Okay

Cash & Dividends: 50/100 (Okay)
Dividend Quality 4% - Weak
Dividend Payout Ratio 42% - Strong

Price Fairness: 100/100 (Strong)
P/E Ratio 9.6× - Strong
P/B Ratio 0.4× - Strong
PEG Ratio 1 - Strong

Risk: 67/100 (Okay)
Earnings Consistency Steady - Strong
Share Count Trend (4yr) +2%/yr - Strong
Quarterly Consistency 3 of 4 quarters down - Weak

## Common questions

### What is AFFIN's fundamentals score?

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.

### Which pillar is AFFIN strongest and weakest on?

Its strongest pillar is Price Fairness (100/100); its weakest is Financial Safety (50/100).

### How does AFFIN rank against its sector?

AFFIN ranks #14 of 38 scored Financial Services stocks on Score Your Stock.

### Does AFFIN pay dividends?

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.

### How do I buy AFFIN shares?

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.

### How is this score calculated?

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.

### What is AFFIN (5185.KL), in plain English?

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

Market data as of 18 Oct 2026.
Full page with charts and explanations: https://scoreyourstock.com/stocks/klse/5185-affin
Educational tool, not investment advice. Data isn't real-time.