OTCPK:CIMD.F

Stock Analysis Report

CIMB Group Holdings Berhad

Executive Summary

CIMB Group Holdings Berhad provides various banking products and services in Malaysia and internationally.

Snowflake

Fundamentals

Established dividend payer 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


Market Performance


7 Day Return

0%

OTCPK:CIMD.F

-1.9%

US Banks

-1.9%

US Market


1 Year Return

n/a

OTCPK:CIMD.F

-16.1%

US Banks

-3.3%

US Market

No trading data on CIMD.F.

No trading data on CIMD.F.


Share holder returns

CIMD.FIndustryMarket
7 Day0%-1.9%-1.9%
30 Day0%-11.1%-6.2%
90 Day0%-4.9%0.3%
1 Yearn/a-13.7%-16.1%-1.1%-3.3%
3 Yearn/a37.8%28.4%37.9%28.9%
5 Year-46.6%-46.6%49.3%33.2%50.8%34.1%

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

No news available

Valuation

Is CIMB Group Holdings Berhad undervalued based on future cash flows and its price relative to the stock market?

9%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

CIMB Group Holdings Berhad's share price is below the future cash flow value, but not at a moderate discount (< 20%).

CIMB Group Holdings Berhad's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

CIMB Group Holdings Berhad is good value based on earnings compared to the US Banks industry average.

CIMB Group Holdings Berhad is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

CIMB Group Holdings Berhad is poor value based on expected growth next year.


Price Based on Value of Assets

CIMB Group Holdings Berhad is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is CIMB Group Holdings Berhad expected to perform in the next 1 to 3 years based on estimates from 18 analysts?

7.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

CIMB Group Holdings Berhad's revenue is expected to grow by 6.3% yearly, however this is not considered high growth (20% yearly).

CIMB Group Holdings Berhad's earnings are expected to grow by 7.9% yearly, however this is not considered high growth (20% yearly).

CIMB Group Holdings Berhad's revenue growth is positive but not above the United States of America market average.

CIMB Group Holdings Berhad's earnings growth is positive but not above the United States of America market average.

CIMB Group Holdings Berhad's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

CIMB Group Holdings Berhad is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has CIMB Group Holdings Berhad performed over the past 5 years?

12.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

CIMB Group Holdings Berhad's year on year earnings growth rate has been positive over the past 5 years.

CIMB Group Holdings Berhad's 1-year earnings growth exceeds its 5-year average (18.9% vs 12.1%)

CIMB Group Holdings Berhad's earnings growth has not exceeded the US Banks industry average in the past year (18.9% vs 33.2%).


Return on Equity

CIMB Group Holdings Berhad has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

CIMB Group Holdings Berhad used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if CIMB Group Holdings Berhad improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


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

Information is not available.

Information is not available.


Financial Institutions Analysis

CIMB Group Holdings Berhad has an acceptable proportion of non-loan assets held.

CIMB Group Holdings Berhad has a low allowance for bad loans.

CIMB Group Holdings Berhad's liabilities are made up of primarily low risk sources of funding.

CIMB Group Holdings Berhad's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at CIMB Group Holdings Berhad are broadly funded by customer deposits.

CIMB Group Holdings Berhad has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is CIMB Group Holdings Berhad's current dividend yield, its reliability and sustainability?

5.67%

Expected Dividend Yield


Dividend Yield and Payments Analysis

CIMB Group Holdings Berhad's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

CIMB Group Holdings Berhad's dividend is above the markets top 25% of dividend payers in United States of America (3.9%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.3x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be covered by earnings (2x coverage).


Next Steps

Management

What is the CEO of CIMB Group Holdings Berhad's salary, the management and board of directors tenure and is there insider trading?

2.5yrs

Average management tenure


CEO

Zafrul bin Abdul Aziz (46yo)

4.9yrs

Tenure

0

Tengku Dato' Sri Zafrul bin Tengku Abdul Aziz has been Chief Executive Officer at CIMB Bank Berhad since January 20, 2016. Tengku Dato’ bin Tengku Abdul Aziz serves as Group Chief Executive Officer of CIMB ...


CEO Compensation Analysis

Zafrul bin's remuneration is lower than average for companies of similar size in United States of America.

Zafrul bin's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

2.5yrs

Average Tenure

45yo

Average Age

The tenure for the CIMB Group Holdings Berhad management team is about average.


Board Age and Tenure

3.7yrs

Average Tenure

56yo

Average Age

The tenure for the CIMB Group Holdings Berhad board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Hamidah Naziadin (55yo)

    Group Chief People Officer

    • Tenure: 0.0yrs
  • Zafrul bin Abdul Aziz (46yo)

    Group CEO

    • Tenure: 4.9yrs
  • Steven Tan

    Head of Investor Relations

    • Tenure: 0.0yrs
  • Omar Bin Amin Noer Rashid (45yo)

    Group Chief Operating Officer

    • Tenure: 0.7yrs
  • Josandi Thor

    Head of Brand

    • Tenure: 0.0yrs
  • Keen Kwan (45yo)

    Group Chief Legal & Compliance Officer

    • Tenure: 4.4yrs
  • Suria Zainal

    Head - Group Corporate Communications

    • Tenure: 0.0yrs
  • Verena Chua

    Investor Relations

    • Tenure: 0.0yrs
  • Khairulanwar Rifaie (38yo)

    Group Chief Financial Officer

    • Tenure: 0.6yrs
  • Paul Wong

    Group Chief Operations Officer

    • Tenure: 0.0yrs

Board Members

  • Tun Bin Hitam (85yo)

    Chairman of International Advisory Panel

    • Tenure: 0.0yrs
  • Rob Coombe (56yo)

    Non-Executive Independent Director

    • Tenure: 5.3yrs
    • Compensation: RM275.00k
  • Kok Lee (53yo)

    Non-Independent Director

    • Tenure: 4.1yrs
    • Compensation: RM300.00k
  • Su Teoh (48yo)

    Senior Independent Director

    • Tenure: 0.8yrs
    • Compensation: RM465.00k
  • Mohammed Bin Md. Yusof (71yo)

    Member of International Advisory Panel

    • Tenure: 0.0yrs
    • Compensation: RM372.00k
  • Zafrul bin Abdul Aziz (46yo)

    Group CEO

    • Tenure: 4.9yrs
  • Andrew Sheng

    Member of International Advisory Panel

    • Tenure: 0.0yrs
  • Rosely Mohd Din (67yo)

    Independent Non-Executive Director

    • Tenure: 3.3yrs
    • Compensation: RM480.00k
  • Tigor Siahaan (47yo)

    Country Head of Indonesia

    • Tenure: 0.0yrs
  • Mohd Bin Ahmad (65yo)

    Chairman

    • Tenure: 0.8yrs
    • Compensation: RM672.00k

Company Information

CIMB Group Holdings Berhad's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: CIMB Group Holdings Berhad
  • Ticker: CIMD.F
  • Exchange: OTCPK
  • Founded: 1924
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: RM49.221b
  • Listing Market Cap: RM11.751b
  • Shares outstanding: 9.73b
  • Website: https://www.cimb.com

Number of Employees


Location

  • CIMB Group Holdings Berhad
  • Menara CIMB
  • Level 13
  • Kuala Lumpur
  • 50470
  • Malaysia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CIMBKLSE (Bursa Malaysia)YesOrdinary SharesMYMYRJan 1992
CIMD.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDJan 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/07 00:27
End of Day Share Price2019/05/09 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.