CIMB Group Holdings Berhad Fundamental Analysis
CIMB Group Holdings Berhad (CIMDF) shows moderate financial fundamentals with a PE ratio of 11.15, profit margin of 21.68%, and ROE of 11.13%. The company generates $36.0B in annual revenue with weak year-over-year growth of -2.85%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 35.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CIMDF's fundamental strength across five key dimensions:
Efficiency Score
WeakCIMDF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCIMDF trades at attractive valuation levels.
Growth Score
WeakCIMDF faces weak or negative growth trends.
Financial Health Score
ModerateCIMDF shows balanced financial health with some risks.
Profitability Score
WeakCIMDF struggles to sustain strong margins.
Key Financial Metrics
Is CIMDF Expensive or Cheap?
P/E Ratio
CIMDF trades at 11.15 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CIMDF's PEG of 1.99 indicates fair valuation.
Price to Book
The market values CIMB Group Holdings Berhad at 1.26 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.81 times EBITDA. This is generally considered low.
How Well Does CIMDF Make Money?
Net Profit Margin
For every $100 in sales, CIMB Group Holdings Berhad keeps $21.68 as profit after all expenses.
Operating Margin
Core operations generate 29.46 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.13 in profit for every $100 of shareholder equity.
ROA
CIMB Group Holdings Berhad generates $1.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CIMB Group Holdings Berhad generates limited operating cash flow of $-7.86B, signaling weaker underlying cash strength.
Free Cash Flow
CIMB Group Holdings Berhad generates weak or negative free cash flow of $-9.13B, restricting financial flexibility.
FCF Per Share
Each share generates $-0.85 in free cash annually.
FCF Yield
CIMDF converts -10.49% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.15
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.99
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.26
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.42
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.67
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.08
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How CIMDF Stacks Against Its Sector Peers
| Metric | CIMDF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.15 | 19.38 | Better (Cheaper) |
| ROE | 11.13% | 804.00% | Weak |
| Net Margin | 21.68% | -7623.00% (disorted) | Strong |
| Debt/Equity | 0.67 | 1.07 | Strong (Low Leverage) |
| Current Ratio | 0.08 | 609.22 | Weak Liquidity |
| ROA | 1.00% | -20946.00% (disorted) | Weak |
CIMDF outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CIMB Group Holdings Berhad's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
103.84%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
505.85%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-86.56%
Industry Style: Value, Dividend, Cyclical
Declining