Malayan Banking Berhad (MLYNF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 11.93 means the share price is 11.93 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $31.2B is the value of all shares combined. Beta 0.17: the stock has moved about 83% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerMalayan Banking Berhad (MLYNF) trades at $2.58. Malayan Banking Berhad, also known as Maybank, is a leading financial services provider in Malaysia, Singapore, and Indonesia. Market cap: $31.2B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for MLYNF: MLYNF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MLYNF against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
MLYNF: the 2 scored disciplines are evenly split. Dominant signal: Izzy Englander bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Malayan Banking Berhad (MLYNF) Financial Services Profile
Malayan Banking Berhad (Maybank) is a prominent regional bank in Southeast Asia, delivering a wide array of financial solutions, including commercial banking, insurance, and investment services. With a strong presence in Malaysia, Singapore, and Indonesia, Maybank leverages its extensive branch network and diverse offerings to serve a broad customer base, maintaining a significant market share.
What Is the Investment Thesis for MLYNF?
With a market capitalization of $31.2B and a P/E ratio of 11.93, the company demonstrates financial stability. A dividend yield of 5.58% provides an attractive income stream for investors. Key growth catalysts include expanding digital banking services and increasing penetration in the SME sector across Southeast Asia. However, potential risks include regulatory changes in the financial sector and economic fluctuations in its core markets. The company's beta of 0.17 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
MLYNF Key Highlights
Market capitalization of $31.2B, reflecting its strong position in the Southeast Asian financial market.
- P/E ratio of 11.93, indicating a reasonable valuation relative to its earnings.
- Profit margin of 23.0%, showcasing efficient operations and profitability.
- Gross margin of 63.7%, highlighting the strong pricing power and cost management.
- Dividend yield of 5.58%, providing an attractive income stream for investors.
Who Are MLYNF's Competitors?
MLYNF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| AIBGY AIB Group plc | $26.50 | +0.57% | $27.8B | 539-signal |
| BNCZF Banco BPM S.p.A. | $20.44 | 0.00% | $30.8B | — |
| BPXXY BPER Banca S.p.A. | $32.80 | 0.00% | $34.2B | 539-signal |
| CIMDF CIMB Group Holdings Berhad | $1.66 | 0.00% | $17.9B | — |
| BBDO Banco Bradesco S.A. | $3.20 | +2.01% | $34.9B | 955-pillar |
| SHG Shinhan Financial Group Co., Ltd. | $81.39 | -0.39% | $38.5B | 985-pillar |
| CIB Grupo Cibest S.A. | $103.12 | +3.08% | $24.5B | 985-pillar |
| WF Woori Financial Group Inc. | $74.56 | +0.35% | $18.1B | 975-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are MLYNF's Key Strengths?
Strong regional presence in Southeast Asia.
- Extensive branch network and customer base.
- Diverse range of financial products and services.
- Established brand reputation and customer loyalty.
What Are MLYNF's Weaknesses?
Exposure to economic fluctuations in Southeast Asia.
- Potential impact from regulatory changes in the financial sector.
- Competition from local and international banks.
- Dependence on traditional banking models.
What Could Drive MLYNF Stock Higher?
Expansion of digital banking services to drive customer acquisition and revenue growth.
- Increasing penetration in the SME sector through tailored financial solutions.
- Potential strategic partnerships and acquisitions to expand product offerings and market reach.
- Growth in wealth management services to cater to the affluent population in Southeast Asia.
- Strengthening Islamic finance offerings to capture the growing demand for Shariah-compliant products.
What Are the Key Risks for MLYNF?
Financial-distress signal — its Altman Z-Score of 0.18 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns in key markets, such as Malaysia, Singapore, and Indonesia.
- Increasing competition from fintech companies and digital banks.
- Regulatory changes and compliance costs in the financial sector.
- Cybersecurity risks and data breaches.
- Fluctuations in interest rates and currency exchange rates.
What Are the Growth Opportunities for MLYNF?
- Expansion of Digital Banking Services: Maybank has the opportunity to further expand its digital banking services to cater to the growing demand for online financial solutions. This includes enhancing its mobile banking platform, offering more digital payment options, and leveraging data analytics to personalize customer experiences. The digital banking market in Southeast Asia is projected to reach $60 billion by 2028, presenting a substantial growth opportunity for Maybank.
- Increasing SME Sector Penetration: Maybank can increase its penetration in the SME sector by offering tailored financial products and services, such as business loans, trade finance, and cash management solutions. The SME sector is a significant driver of economic growth in Southeast Asia, and Maybank's established presence and expertise position it well to capture a larger share of this market. The SME lending market in the region is expected to grow at a CAGR of 7% over the next five years.
- Strategic Partnerships and Acquisitions: Maybank can pursue strategic partnerships and acquisitions to expand its product offerings, enter new markets, and enhance its technological capabilities. This includes partnering with fintech companies to offer innovative financial solutions and acquiring smaller banks or financial institutions to expand its regional footprint. Strategic alliances can provide access to new technologies and customer segments.
- Enhancing Wealth Management Services: Maybank has the opportunity to enhance its wealth management services to cater to the growing affluent population in Southeast Asia. This includes offering personalized investment advice, wealth planning services, and access to a wider range of investment products. The wealth management market in the region is expected to grow at a CAGR of 9% over the next five years, driven by increasing disposable incomes and a growing demand for sophisticated investment solutions.
- Strengthening Islamic Finance Offerings: Maybank can further strengthen its Islamic finance offerings to cater to the growing demand for Shariah-compliant financial products and services. This includes expanding its range of Islamic banking products, takaful (Islamic insurance) products, and Islamic investment solutions. The Islamic finance market in Southeast Asia is expected to grow significantly, driven by a large Muslim population and increasing awareness of Islamic finance principles.
What Are MLYNF's Competitive Advantages?
- Established Regional Presence: Maybank has a strong presence in Malaysia, Singapore, and Indonesia, providing a competitive advantage in these key markets.
- Extensive Branch Network: The company operates a large network of approximately 2,200 branches, providing convenient access to customers.
- Diverse Product Offerings: Maybank offers a comprehensive suite of financial products and services, catering to a wide range of customer needs.
- Strong Brand Reputation: Maybank has a well-established brand reputation for reliability and customer service.
- Strong Capital Base: Maybank maintains a strong capital base, providing financial stability and resilience.
What Does MLYNF Do?
Incorporated in 1960 and headquartered in Kuala Lumpur, Malaysia, Malayan Banking Berhad (Maybank) has evolved into one of the largest financial services groups in Southeast Asia. The company's foundation lies in providing commercial banking services, which have since expanded to include a comprehensive suite of financial products and services. Maybank operates through three primary segments: Group Community Financial Services, which caters to individuals and SMEs; Group Global Banking, focusing on corporate and institutional clients; and Group Insurance and Takaful, offering insurance and Islamic finance solutions. Its offerings include savings and deposit accounts, loans, trade finance, credit cards, bancassurance, unit trust, and investment banking services. Maybank also provides treasury activities, asset management, and insurance underwriting. With approximately 2,200 branches across 20 countries, Maybank has established a significant international presence, particularly in Malaysia, Singapore, and Indonesia. The bank continues to focus on innovation and customer-centric solutions to maintain its competitive edge in the dynamic financial landscape.
What Products and Services Does MLYNF Offer?
- Provides commercial banking services to individuals, SMEs, and corporate clients.
- Offers savings and fixed deposit accounts.
- Provides housing and personal loans, project financing, and trade financing.
- Offers credit cards and bancassurance products.
- Provides investment banking and securities broking services.
- Offers asset and fund management services.
- Underwrites general and life insurance businesses, and takaful products.
- Provides offshore banking, property leasing, and other financial services.
How Does MLYNF Make Money?
- Generates revenue through interest income from loans and advances.
- Earns fees from banking services, such as transaction fees, credit card fees, and investment banking fees.
- Generates income from insurance underwriting and takaful contributions.
- Derives revenue from treasury activities, including foreign exchange and trading.
- Earns income from asset and fund management services.
What Industry Does MLYNF Operate In?
Malayan Banking Berhad operates in the regional banking sector of Southeast Asia, which is characterized by increasing digitalization and growing demand for financial services from a rising middle class. The competitive landscape includes both local and international banks. Maybank's extensive branch network and diverse product offerings position it favorably. The industry is subject to regulatory changes and macroeconomic factors, influencing growth and profitability. Fintech disruption and increasing competition are ongoing trends. The regional banking sector is expected to grow, driven by economic development and increasing financial inclusion.
Who Are MLYNF's Key Customers?
- Individuals seeking personal banking services, loans, and credit cards.
- Small and medium enterprises (SMEs) requiring business loans, trade finance, and cash management solutions.
- Retail customers seeking deposit accounts and wealth management services.
- Corporate clients requiring corporate advisory, bond and equity issuance, and syndicated acquisition advisory.
- Financial institutions seeking treasury activities and services.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 52 |
| 2026-08-26 | 52 |
| 2026-08-29 | 52 |
| 2026-09-01 | 52 |
| 2026-09-04 | 52 |
| 2026-09-07 | 52 |
| 2026-09-10 | 52 |
What changed?
The score has stayed at 52.
Over the same 18 days the stock moved +0.0%.
Company Profile
Malayan Banking Berhad operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Kuala Lumpur, MY. The company is led by CEO Khairussaleh bin Ramli. MLYNF has traded publicly since 2010.
Malayan Banking Berhad Financial Trajectory
Malayan Banking Berhad (MLYNF) reported $11.99B in revenue for Q2 FY2026, reflecting 74.0% growth compared to the prior quarter. The company recorded net income of $2.61B, with diluted EPS of $0.88. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, MLYNF averaged $0.71 in diluted EPS.
How Malayan Banking Berhad Is Valued
Malayan Banking Berhad carries a market capitalization of $31.2B, placing it in the large-cap category.
Key Financial Metrics
Return on equity for Malayan Banking Berhad stands at 11.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. MLYNF trades at a trailing price-to-earnings ratio of 11.93, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 6.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.55 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.0%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Malayan Banking Berhad's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.18 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Malayan Banking Berhad has beaten Wall Street's EPS estimate in 4 of its last 8 reported quarters — more hits than misses. Reported results have landed about 1.1% above estimates on average.
MLYNF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong regional presence in Southeast Asia.
- Extensive branch network and customer base.
- Diverse range of financial products and services.
- Established brand reputation and customer loyalty.
Bear Case
- Exposure to economic fluctuations in Southeast Asia.
- Potential impact from regulatory changes in the financial sector.
- Competition from local and international banks.
- Dependence on traditional banking models.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | MYR 11.99B | MYR 2.61B | MYR 0.88 |
| Q1 FY2026 | MYR 6.89B | MYR 2.48B | MYR 0.83 |
| Q4 FY2025 | MYR 16.82B | MYR 2.67B | MYR 0.90 |
| Q3 FY2025 | MYR 10.40B | MYR 2.62B | MYR 0.22 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Reported in MYR
MLYNF Latest News
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Malayan Banking Berhad's (KLSE:MAYBANK) five-year earnings growth trails the notable shareholder returns
Yahoo! Finance: MLYNF News · Dec 3, 2025
MLYNF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for MLYNF.
Price Targets
Wall Street price target analysis for MLYNF.
MLYNF MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for MLYNF; grades run from A+ (80-100) to F (below 30).
Leadership: Khairussaleh Bin Ramli
CEO
Khairussaleh Bin Ramli is the CEO of Malayan Banking Berhad, leading a workforce of over 44,000 employees. He has extensive experience in the financial services industry, with a background in banking, investment, and asset management. Prior to joining Maybank, he held senior leadership positions at several prominent financial institutions. His expertise includes strategic planning, risk management, and business development. He is known for his focus on innovation and customer-centric solutions.
Track Record: Under Khairussaleh Bin Ramli's leadership, Maybank has focused on enhancing its digital banking capabilities and expanding its regional presence. Key achievements include the launch of new digital products and services, increased penetration in the SME sector, and improved customer satisfaction scores. He has also overseen the implementation of key strategic initiatives aimed at driving sustainable growth and profitability. His tenure has been marked by a focus on innovation and customer-centric solutions.
MLYNF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Malayan Banking Berhad (MLYNF) may have limited regulatory oversight and disclosure requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier often do not meet the minimum financial standards or reporting requirements necessary for listing on higher-tier exchanges. This can result in less transparency and potentially higher risks for investors due to the limited information available.
- OTC Tier: OTC Other
- Limited Disclosure: Lack of comprehensive financial reporting increases information asymmetry.
- Lower Liquidity: Reduced trading volume can lead to price volatility and difficulty in executing trades.
- Regulatory Scrutiny: OTC stocks are subject to less regulatory oversight, increasing the risk of fraud or mismanagement.
- Delisting Risk: The company may not meet the requirements for listing on higher-tier exchanges.
- Valuation Uncertainty: Limited information can make it challenging to accurately assess the company's intrinsic value.
- Verify the company's registration and legal standing.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Understand the risks associated with the OTC market and the specific company.
- Monitor news and developments related to the company and its industry.
- Consult with a financial advisor before investing.
- Established Business Operations: Maybank has a long history and a significant presence in the financial services industry.
- Regulatory Compliance: The company is subject to regulatory oversight in its primary markets, including Malaysia, Singapore, and Indonesia.
- Financial Stability: Maybank has a strong capital base and a track record of profitability.
- Brand Reputation: Maybank has a well-established brand reputation for reliability and customer service.
- Dividend Payments: The company has a history of paying dividends to shareholders.
MLYNF Financial Services Stock FAQ
Is MLYNF a good stock?
Stock Expert AI does not rate MLYNF buy, sell or hold. Malayan Banking Berhad has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
How sensitive is MLYNF to interest rate changes?
Malayan Banking Berhad's profitability is sensitive to changes in interest rates, primarily through its net interest margin (NIM). When interest rates rise, Maybank's NIM typically expands as the interest earned on loans increases faster than the interest paid on deposits. Conversely, when interest rates fall, the NIM may contract.
What are the key factors to evaluate for MLYNF?
Evaluate MLYNF on fundamentals, analyst consensus, and risk factors. P/E: 11.93x vs the S&P 500's ~20-25x. A dividend yield of 5.58% provides an attractive income stream for investors. Not financial advice.
How frequently does MLYNF data refresh on this page?
MLYNF's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven MLYNF's recent stock price performance?
Malayan Banking Berhad (MLYNF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Southeast Asia. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MLYNF overvalued or undervalued right now?
Malayan Banking Berhad (MLYNF) trades at 11.93x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of MLYNF?
Yes, most major brokerages offer fractional shares of Malayan Banking Berhad (MLYNF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track MLYNF's earnings and financial reports?
Malayan Banking Berhad (MLYNF) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for MLYNF earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data and market information are based on available sources and may be subject to change.
- OTC market data may have limited availability and reliability.