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https://youtu.be/wV-1_XfM5nM?si=ogDOJc8ofTuSqhpG
🚨 Public Bank Q3 FY2026: Record Revenue, but Why Did Profit Drop?

Public Bank Berhad just released its Q3 FY2026 financial report. While quarterly revenue crossed a record RM7.74 billion (+4.4% YoY), net profit slipped to RM1.77 billion (-3.8% YoY).

What actually caused the drop, and should retail investors be worried? Here are the 4 key takeaways:

1️⃣ The "Paper Loss" Mystery: Secondary market bond yields (10Y MGS) spiked above 4.2% in September, triggering a RM451.0 million OCI revaluation loss. But does this affect net profit or dividends? (Spoiler: No, it bypasses profit or loss into equity reserves).
2️⃣ Credit Cost Normalisation: Loan impairment allowances rose by RM116.4 million YoY to RM127.2 million—not because borrowers are defaulting en masse, but because post-COVID management overlay writebacks from FY2025 have rolled off.
3️⃣ Resilient Fundamentals: Domestic gross impaired loans (GIL) remain pristine at just 0.55%, backed by an industry-leading cost-to-income ratio of 35.0%.
4️⃣ Valuation & Dividends: At a reference price of RM4.90, the stock trades at ~13.1x TTM P/E and 1.56x P/B, offering a 4.59% trailing dividend yield with a 14.5% CET1 capital ratio.

Catch our full breakdown in the video below! 👇
https://youtu.be/wV-1_XfM5nM?si=ogDOJc8ofTuSqhpG


#PublicBank #PBBANK #BursaMalaysia #StockMarket #DividendInvesting #MalaysianInvestors



🚨 大众银行(Public Bank)Q3 2026 业绩揭秘:营业额创新高,净利润为何反跌?

大众银行(PBBANK)公布了 2026 财年第三季度业绩:季度营业额创下 77.4 亿令吉新高(年增 4.4%),但净利润却微跌至 17.7 亿令吉(年跌 3.8%)。

究竟是什么原因导致“增收不增利”?散户投资者需要担心吗?重点整理如下:

1️⃣ 4.51亿令吉的“账面亏损”:9月份大马10年期国债收益率一度飙升突破 4.2%,导致债券公允价值下跌,并在 OCI 录得 4.51 亿令吉亏损。但请注意,这属于未实现估值浮亏,并不直接影响净利润或分红派息!
2️⃣ 拨备恢复常态(Normalisation):贷款减值拨备按年增加 1.164 亿令吉至 1.272 亿令吉。这并非出现违约潮,而是因为 2025 年疫情期超额拨备回拨(Writebacks)已基本结束,信贷成本回归长期正常水平。
3️⃣ 基本面依然稳健:国内不良贷款率(GIL)保持在 0.55% 的极低水平,成本收入比(CIR)控制在 35.0%,依然是全马效率最高的银行。
4️⃣ 估值与股息:按 RM4.90 参考价计算,历史市盈率(TTM P/E)约 13.1 倍,市账率(P/B)1.56 倍,过去12个月股息率达 4.59%,核心一级资本充足率(CET1)达 14.5%。

想了解更深入的财报细节与分析?点击观看完整视频拆解!👇
https://youtu.be/wV-1_XfM5nM?si=ogDOJc8ofTuSqhpG


#大众银行 #PBBANK #马股 #财报分析 #价值投资 #理财投资
9 hours · translate
https://youtu.be/AHKjm727tG4?si=0gfjP_ECSfnQQzr2

AEON Credit (AEONCR) at RM4.56: Temporary Pullback or Structural Drag? 📉📊

AEON Credit Service (M) Berhad recently released its Q2 FY2027 results. While top-line revenue expanded +7.7% YoY to RM665.20 million, quarterly net profit attributable to owners fell -17.9% YoY to RM59.30 million.

With the stock trading near 52-week lows at RM4.56 (a ~25% discount to its RM6.12 Net Asset Value), retail investors are asking: Is this weakness temporary o
14 hours · translate
https://youtu.be/hVPQNzrkX6I?si=A2Xzf46HlQQcev7w

UNISEM (M) Berhad Q3 FY2026 Analysis: A Genuine Operating Turnaround or Priced-In Recovery?
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https://youtu.be/RLnJehFfTOk?si=sahgMneL-ryN4fZf
Frontken double down on AI and Oil&Gas?

🔍 Is Frontken (0128) a Semiconductor Growth Pure-Play or an Oil & Gas Engineering Hybrid?
Frontken Corporation Berhad just reported its Q3 FY2026 results, with 9M net profit surging +33.5% YoY to RM147.3 million! 🚀
While revenue from Malaysian Oil & Gas activities grew, the real earnings driver remains Taiwan’s advanced semiconductor cluster, contributing ~87.7% of total Group operating profits at an envi
3 days · translate
https://youtu.be/eO-prnaL6Us?si=l-3y-E3qg7Lmt7Nn


🚀 ViTrox (0097) Hits Record Q3 Earnings: AI Boom Enabler or Overvalued Tech Stock?
ViTrox Corporation Berhad just delivered its strongest quarter since listing! Powered by global AI infrastructure spending, High-Bandwidth Memory (HBM), and advanced packaging demand, here are the key highlights every Bursa investor needs to know:
📊 Q3 FY2026 Key Highlights:
• Revenue: RM485.10 Million (+112.2% YoY)
• Net Profit (PATAMI): RM118.58 Million (+241
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KOBAY Q1 FY2027: Genuine Precision Turnaround or Just a One-Quarter Margin Spike? @YZFinanceMY⁩
https://youtu.be/IYvZY1i8MmM?si=wH2vk07KP1Uex8ts

📈 KOBAY (6971) Q1 FY2027: Record Net Profit, But Can It Be Sustained?
Kobay Technology Berhad just delivered a remarkable start to FY2027 with a record quarterly net profit of RM18.66 million (+73.3% YoY) on revenue of RM130.24 million (+17.5% YoY) !
If you are looking at the stock around RM2.42, here are 4 key takeaways every Malaysian retail investo
3 days · translate
https://youtu.be/nSY-dzWHpxw?si=gFO_5-EKPyGZwRcP
📊 Sorento Capital Berhad (0332) Q1 FY2027 Analysis: Growth vs. Margin Pressure!
Sorento Capital reported a 7.33% YoY increase in revenue (RM47.32 million) for Q1 FY2027, driven by strong project-based sales. However, Profit After Tax (PAT) grew by only 2.24% (RM8.21 million).
What caused the gap between top-line expansion and bottom-line profit?
🔍 Key Highlights Covered:
• Margin Dilution: Gross profit margin compressed to 43.13% (vs 47.01% in Q
5 days · translate
https://youtu.be/gCXb1JcyUZk?si=Qy2v_OFvfJgLVDvz

✈️ Yes Group Management Berhad (RM0.18 IPO): High-Margin MICE Specialist or Volatile Travel Play?

Thinking of subscribing to the latest ACE Market IPO on Bursa Malaysia?

Yes Group Management Berhad isn’t your typical retail travel agency. They specialize in high-touch B2B corporate incentive travel, event management, and MM2H solutions—commanding impressive gross margins of 21%–26%! 📊

In our latest analysis video, we dive deep into the IPO prospectus:
✅ Business Model: How they make money and why they operate an asset-light model.
✅ Financial Performance: Why FY2026 PAT rose to RM7.53M despite an 11% revenue drop from European tour disruptions.
✅ Order Book & Visibility: What their RM34.56M unbilled order book means for FY2027.
✅ UK Expansion Plan: Buying a vehicle fleet in the UK—strategic growth or asset-heavy risk?
✅ Valuation: Is 12.7x historical P/E fair value?

Watch the full breakdown to get a balanced view before placing your application! 💡

👇 Watch here: https://youtu.be/gCXb1JcyUZk?si=Qy2v_OFvfJgLVDvz


#YesGroup #BursaMalaysia #IPO #StockAnalysis #MalaysianStocks #Investing #MICE #ACEmarket


✈️ Yes Group Management Berhad (RM0.18 IPO):高毛利 MICE 奖励旅游专家,还是高波动个股?

准备申请大马交易所(Bursa Malaysia)最新的 ACE Market IPO 吗?

Yes Group 并不是传统的零售旅行社,而是专门提供 B2B 企业定制奖励旅游、活动策划和 MM2H 服务的 MICE 专家,毛利率高达 21%–26%!📊

在最新的分析视频中,我们深入剖析了招股书(Prospectus):
✅ 商业模式: 资产轻量化模式如何运作?
✅ 财务表现: 为何在 FY2026 营收因欧洲行程受阻下滑 11% 的情况下,净利润却逆势增长至 753 万令吉?
✅ 订单可见度: 3,456 万令吉未账单订单对 FY2027 有何影响?
✅ 英国扩展计划: 在英国购买车队——是战略红利还是重资产风险?
✅ 估值分析: 12.7 倍历史本益比(P/E)是否合理?

在决定是否申购前,先看完整分析,掌握第一手投资资讯!💡

👇 点击观看视频: https://youtu.be/gCXb1JcyUZk?si=Qy2v_OFvfJgLVDvz


#YesGroup #大马股市 #IPO分析 #马股投资 #理财 #BursaMalaysia #股票分析
5 days · translate
https://youtu.be/tdNdnxK-wuU?si=VY519y66geEqMnjk

🏢 IOIPG REIT IPO at RM0.96: Is Malaysia’s Largest Mall Worth Investing In?
IOI Properties Group is listing IOIPG Malaysia REIT on Bursa Malaysia on 25 November 2026! With a portfolio of 9 commercial properties valued at RM7.66 Billion and a projected FY2027 distribution yield of 6.6%, here is what you need to know before applying:
🔹 The Anchor Asset: IOI City Mall accounts for 67.2% of portfolio value and over 73%–77% of Net Property Income.
5 days · translate
https://youtu.be/tdNdnxK-wuU?si=VY519y66geEqMnjk

🏢 IOIPG REIT IPO at RM0.96: Is Malaysia’s Largest Mall Worth Investing In?
IOI Properties Group is listing IOIPG Malaysia REIT on Bursa Malaysia on 25 November 2026! With a portfolio of 9 commercial properties valued at RM7.66 Billion and a projected FY2027 distribution yield of 6.6%, here is what you need to know before applying:
🔹 The Anchor Asset: IOI City Mall accounts for 67.2% of portfolio value and over 73%–77% of Net Property Income.
🔹 Hotel & Office Income: Supported by 6 hotels operating under master lease agreements (RM50.88m annual minimum guaranteed rent) and 2 corporate office complexes.
🔹 Valuation & Debt: Priced at RM0.96 per unit (1.055x Price-to-NAV) with a pro forma gearing ratio of 34.1% (RM2.65B Sukuk debt).
🔹 Key Risks to Consider: Single-asset concentration on IOI City Mall, unhedged floating interest rate exposure, and related-party master lessee dependencies.
📌 Note: The 6.6% projected yield assumes a 100% distribution payout ratio, whereas the REIT’s minimum distribution policy is set at 90%.
⏰ Closing Date: 10 November 2026 (5:00 PM)
📺 Watch our complete IPO deep dive video here: https://youtu.be/tdNdnxK-wuU?si=VY519y66geEqMnjk

💬 Are you subscribing to this IPO? Let us know your thoughts in the comments below!
#IOIPGREIT #BursaMalaysia #REITs #MalaysianStockMarket #DividendInvesting #IOICityMall

🏢 IOIPG REIT 首次公开募股 (IPO) 售价 RM0.96:全马最大商场值得投资吗?
IOI Properties Group 旗下的 IOIPG Malaysia REIT 即将在 2026年11月25日 挂牌上市!该产托囊括 9 项优质商业资产,资产总估值达 76.6 亿令吉,预计 FY2027 年化股息率达 6.6%。在提交申请前,先来看重点分析:
🔹 核心支柱:IOI City Mall 占总资产价值的 67.2%,贡献超过 73%–77% 的净物业收入 (NPI)。
🔹 酒店与办公楼:包含 6 间签有长期总租赁协议 (Master Lease) 的酒店(每年最低担保租金 RM5,088万)以及 2 组甲级/乙级办公大楼。
🔹 估值与债务:发行价为 每单位 RM0.96 (账面市价比 1.055倍),初始负债率为 34.1% (RM26.5亿 浮动利率 Sukuk 债务)。
🔹 核心风险提示:资产高度集中于 IOI City Mall、浮动利率债务升息风险、以及与赞助商相关的母公司履约风险。
📌 友情提醒:6.6% 预计股息率基于 100% 派息率计算,而官方规定的最低派息政策为 90%。
⏰ 申请截止日期:2026年11月10日 (下午 5:00)
📺 观看完整 IPO 深度解析视频:https://youtu.be/tdNdnxK-wuU?si=VY519y66geEqMnjk

💬 你会认购这次的 IOIPG REIT IPO 吗?欢迎在下方留言分享你的看法!
#IOIPGREIT #马股投资 #产托 #REITs #IOICityMall #股息投资 #理财
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