Public Bank Berhad (KLSE:PBBANK)

Public Bank Berhad Financials Overview

Financials in millions MYR. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	14,705	14,669	14,040	12,949	13,065	11,305
Revenue Growth	2.94%	4.48%	8.43%	-0.89%	15.57%	12.55%
Net Income Net Income Growth	7,231	7,224	7,147	6,649	6,119	5,657
Earnings Per Share EPS Growth	0.37	0.37	0.37	0.34	0.32	0.29
EPS Growth	0.22%	1.55%	7.53%	8.66%	8.19%	16.11%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Hire Purchase Hire Purchase Growth	3,966	3,908	3,573	3,006	2,645	2,517
Retail Operations Retail Operations Growth	14,907	14,976	15,041	14,000	11,684	10,794
Corporate Lending Corporate Lending Growth	2,183	2,244	2,305	2,129	1,645	1,521
Treasury and Capital Market Operations Treasury and Capital Market Operations Growth	4,275	4,262	3,958	3,516	2,414	2,199
Investment Banking Investment Banking Growth	221.66	220.57	257.38	187.64	171.84	229.44
Fund Management Fund Management Growth	1,881	1,844	1,785	1,573	1,573	1,863
General Insurance General Insurance Growth	1,952	1,919	154.52	-	-	-
Head Office, Fund Centers and Others Head Office, Fund Centers and Others Growth	2,703	2,692	2,609	-	-	-
Total Overseas Operations Total Overseas Operations Growth	2,559	2,633	2,607	2,580	1,981	1,673
Eliminations Eliminations Growth	-5,132	-5,190	-5,084	-4,390	-3,070	-3,672

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	20,952	26,817	28,535	17,320	30,265	19,711
Total Debt Total Debt Growth	25,813	19,822	20,416	15,421	20,209	13,037
Net Cash (Debt) Net Cash Growth	-4,861	6,995	8,119	1,900	10,056	6,674
Net Cash Growth	-	-13.85%	327.40%	-81.11%	50.66%	-10.88%
Net Cash Per Share Net Cash Per Share Growth	-0.25	0.36	0.42	0.10	0.52	0.34

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-13,828	-11,476	-12,968	-19,842	-10,812	-5,243
Capital Expenditures CapEx Growth	-308.02	-266.71	-183.28	-308.49	-146.18	-142.95
Free Cash Flow Free Cash Flow Growth	-14,136	-11,743	-13,151	-20,150	-10,958	-5,386
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	49.17%	49.25%	50.91%	51.35%	46.84%	50.03%
FCF Margin	-96.13%	-80.05%	-93.67%	-155.62%	-83.88%	-47.64%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 25, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.225	0.225	0.210	0.190	0.170	0.152
Dividend Per Share Growth	7.14%	7.14%	10.53%	11.77%	11.84%	16.92%
Dividend Yield	4.40%	5.08%	4.96%	4.99%	4.58%	4.45%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 25, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	13.65	12.14	12.39	12.52	13.70	14.28
Forward PE	13.05	12.36	11.83	11.96	11.29	13.30
PS Ratio	6.75	5.98	6.30	6.43	6.42	7.14

Data Sources: S&P Global Market Intelligence and Fiscal.ai Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company. Revenue segment data is provided by Fiscal.ai.

Update frequency:

Quarterly

Last checked:

Jul 25, 2026

Data Sources Report a data error