Public Bank Berhad (1295.KL) stock analysis

In our weekly check, Public Bank Berhad is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5.

About Public Bank Berhad

Public Bank Berhad is a Financial Services company (Banks - Regional), listed on KLS as 1295.KL.

What our checks show for 1295.KL

Red flags

• The gross margin fell by 8 points, to 62.8%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 14.6% a year.
• Recovering from its deepest fall took about 5.8 years.
• Return on capital (ROCE) is only 1.7%.

Warning signs

• The net margin fell by 2.9 points over 5 years, to 29%: the company keeps less of each sale as profit.
• The stock has fallen as much as 50% from a peak. Would you have held through that?

Strengths

• Analysts expect the net margin to improve by 19.9 points from today's 29%.
• The company keeps 29% of its revenue as net profit.
• Free cash flow is 27.1% of revenue: cash for dividends, buybacks or growth.
• A large company: market value $22.58 billion.
• The price moves calmly: 18% annual volatility.
• Beta 0.18: the stock usually moves less than the market.

Next earnings report: 2026-12-02

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Questions

What grade does Public Bank Berhad (1295.KL) have?

In our weekly check, Public Bank Berhad is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 1295.KL stock?

This week's biggest flags for Public Bank Berhad: Gross margin falling, Weak revenue forecast, Slow recovery after falls. In total 7 of 25 checks show a warning or a red flag.

What does Public Bank Berhad do?

Public Bank Berhad is a Financial Services company (Banks - Regional), listed on KLS as 1295.KL.

When does Public Bank Berhad report earnings next?

The next earnings report is expected on 2026-12-02. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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