Executive Summary
CIMB Group Holdings Berhad provides various banking products and services in Malaysia and internationally. More Details
Rewards
Risk Analysis
Snowflake Analysis
Reasonable growth potential with adequate balance sheet.
Similar Companies
Share Price & News
How has CIMB Group Holdings Berhad's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CIMB is less volatile than 75% of MY stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: CIMB's weekly volatility (5%) has been stable over the past year.
Market Performance
7 Day Return
1.4%
CIMB
0.8%
MY Banks
-0.3%
MY Market
1 Year Return
-8.3%
CIMB
3.4%
MY Banks
10.6%
MY Market
Return vs Industry: CIMB underperformed the MY Banks industry which returned 3.4% over the past year.
Return vs Market: CIMB underperformed the MY Market which returned 10.6% over the past year.
Shareholder returns
| CIMB | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.4% | 0.8% | -0.3% |
| 30 Day | 9.9% | 3.8% | 2.7% |
| 90 Day | 12.5% | 8.9% | 2.9% |
| 1 Year | -5.4%-8.3% | 7.6%3.4% | 14.2%10.6% |
| 3 Year | -34.0%-41.4% | -9.7%-20.1% | -3.3%-12.1% |
| 5 Year | 16.3%-8.3% | 23.5%0.2% | 11.8%-6.8% |
Long-Term Price Volatility Vs. Market
How volatile is CIMB Group Holdings Berhad's share price compared to the market and industry in the last 5 years?
Simply Wall St News
16 hours ago | Simply Wall St
If You Had Bought CIMB Group Holdings Berhad's (KLSE:CIMB) Shares Three Years Ago You Would Be Down 40%1 month ago | Simply Wall St
Do Institutions Own CIMB Group Holdings Berhad (KLSE:CIMB) Shares?Valuation
Is CIMB Group Holdings Berhad undervalued compared to its fair value and its price relative to the market?
35.06x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CIMB (MYR4.22) is trading above our estimate of fair value (MYR2.29)
Significantly Below Fair Value: CIMB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CIMB is poor value based on its PE Ratio (35.1x) compared to the MY Banks industry average (10.9x).
PE vs Market: CIMB is poor value based on its PE Ratio (35.1x) compared to the MY market (19.2x).
Price to Earnings Growth Ratio
PEG Ratio: CIMB is good value based on its PEG Ratio (0.8x)
Price to Book Ratio
PB vs Industry: CIMB's PB Ratio (0.7x) is in line with the MY Banks industry average.
Next Steps
Future Growth
How is CIMB Group Holdings Berhad forecast to perform in the next 1 to 3 years based on estimates from 18 analysts?
41.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CIMB's forecast earnings growth (41.8% per year) is above the savings rate (3.7%).
Earnings vs Market: CIMB's earnings (41.8% per year) are forecast to grow faster than the MY market (16.4% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CIMB's revenue (19.8% per year) is forecast to grow faster than the MY market (7.4% per year).
High Growth Revenue: CIMB's revenue (19.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CIMB's Return on Equity is forecast to be low in 3 years time (9.2%).
Next Steps
Past Performance
How has CIMB Group Holdings Berhad performed over the past 5 years?
-1.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CIMB has high quality earnings.
Growing Profit Margin: CIMB's current net profit margins (10.5%) are lower than last year (28.1%).
Past Earnings Growth Analysis
Earnings Trend: CIMB's earnings have declined by 1.4% per year over the past 5 years.
Accelerating Growth: CIMB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CIMB had negative earnings growth (-73.8%) over the past year, making it difficult to compare to the Banks industry average (-11.6%).
Return on Equity
High ROE: CIMB's Return on Equity (2%) is considered low.
Next Steps
Financial Health
How is CIMB Group Holdings Berhad's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CIMB's Assets to Equity ratio (10.5x) is moderate.
Allowance for Bad Loans: CIMB has a low allowance for bad loans (92%).
Low Risk Liabilities: 81% of CIMB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CIMB has an appropriate level of Loans to Assets ratio (58%).
Low Risk Deposits: CIMB's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: CIMB has a high level of bad loans (3.6%).
Next Steps
Dividend
What is CIMB Group Holdings Berhad current dividend yield, its reliability and sustainability?
1.14%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CIMB's dividend (1.14%) isn’t notable compared to the bottom 25% of dividend payers in the MY market (1.41%).
High Dividend: CIMB's dividend (1.14%) is low compared to the top 25% of dividend payers in the MY market (4.25%).
Stability and Growth of Payments
Stable Dividend: CIMB's dividend payments have been volatile in the past 10 years.
Growing Dividend: CIMB's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (40%), CIMB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CIMB's dividends in 3 years are forecast to be well covered by earnings (44.3% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
1.6yrs
Average management tenure
CEO
Abdul Bin Ahmad (51 yo)
0.67
Tenure
Dato Abdul Rahman bin Ahmad, DJN, PKT, PJK, has been Group Chief Executive Officer and Executive Director of CIMB Group Holdings Bhd. and CIMB Bank Bhd. since June 10, 2020. He has been Country Head of Mal...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Group CEO | 0.67yr | no data | no data | |
| Group Chief Financial Officer | 2.08yrs | no data | no data | |
| Group Chief Operating Officer | 2.17yrs | no data | no data | |
| Group Chief Operations Officer | no data | no data | no data | |
| Head of Investor Relations | no data | no data | no data | |
| Investor Relations | no data | no data | no data | |
| Group Chief Legal & Compliance Officer | no data | no data | no data | |
| Head of Brand | no data | no data | no data | |
| Head - Group Corporate Communications | no data | no data | no data | |
| Group Chief People Officer | no data | no data | no data | |
| Advisor to the Group Chief Executive Officer | 1.08yrs | no data | no data | |
| Chief Executive Officer of Group Ventures & Partnerships | no data | no data | no data |
1.6yrs
Average Tenure
47yo
Average Age
Experienced Management: CIMB's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Group CEO | 0.67yr | no data | no data | |
| Country Head of Indonesia | no data | no data | no data | |
| Member of International Advisory Panel | no data | no data | no data | |
| Member of International Advisory Panel | no data | no data | no data | |
| Chairman of International Advisory Panel | no data | no data | no data | |
| Non-Executive Independent Director | 6.83yrs | RM442.00k | no data | |
| Non-Independent Director | 5.58yrs | RM290.00k | 0.013% MYR 5.6m | |
| Senior Independent Director | 2.33yrs | RM525.00k | no data | |
| Member of International Advisory Panel | no data | RM372.00k | no data | |
| Member of International Advisory Panel | no data | no data | no data | |
| Independent Non-Executive Director | 4.83yrs | RM555.00k | no data | |
| Independent Chairman | 2.33yrs | RM995.00k | no data |
3.6yrs
Average Tenure
59yo
Average Age
Experienced Board: CIMB's board of directors are considered experienced (3.6 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
CIMB Group Holdings Berhad's company bio, employee growth, exchange listings and data sources
Key Information
- Name: CIMB Group Holdings Berhad
- Ticker: CIMB
- Exchange: KLSE
- Founded: 1924
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: RM42.966b
- Shares outstanding: 9.92b
- Website: https://www.cimb.com
Number of Employees
Location
- CIMB Group Holdings Berhad
- Menara CIMB
- Level 13
- Kuala Lumpur
- 50470
- Malaysia
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CIMB | KLSE (Bursa Malaysia) | Yes | Ordinary Shares | MY | MYR | Jan 1992 |
| CIMD.F | OTCPK (Pink Sheets LLC) | Yes | Ordinary Shares | US | USD | Jan 1992 |
Biography
CIMB Group Holdings Berhad provides various banking products and services in Malaysia and internationally. The company’s Consumer Banking segment offers products, such as deposits; loans; personal financin...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/03/01 11:08 |
| End of Day Share Price | 2021/03/01 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.