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SUKUK
MAYBANK IMTN 4.710% 31.01.2031
MAYBANK IMTN 4.710% 31.01.2031
Islamic Concept : Murabahah, Mudharabah
Instrument Code : Islamic Medium Term Notes (IMTN)
Last Traded Yield (%) : 3.77
Coupon Rate (%) : 4.1700
Rating : AA3 (RAM), AAA (RAM)
TOYOTA CAP IMTN 4.300% 26.02.2030 - IMTN 11
TOYOTA CAP IMTN 4.300% 26.02.2030 - IMTN 11
Islamic Concept : Musyarakah
Instrument Code : Islamic Medium Term Notes (IMTN)
Last Traded Yield (%) : 3.96
Coupon Rate : 4.3000
Rating : AAA (S) (RAM)
STOCK
PETRONAS CHEMICAL GROUP BERHAD
Return On Asset (ROA)
2013-2018: The ROA is between 9.05% to 14.21% indicating consistent profitability.
2019-2020 : It drops significantly, reflecting economic challenges due to Covid-19.
2021: The ROA peaks at 17.37% driven by the post-pandemic economic recovery.
2022-2023: The ROA drops sharply below 10%, showing a slow global demand.
Potential to Investment: There's a strong operational performance for investment that seek for a stable returns, but also a decline signals the need for careful monitoring, especially for investors with moderate to low risk tolerance like Mr. Ahmad.
Return On Equity (ROE)
2013 to 2018: The ROE was relatively stable, hovering around 11.09% to 17.07%.
2019 to 2020: There's a sharp decline due to Covid-19 that affect PCB’s profitability
2021: The ROE bounced back and reached its highest point.
2022 to 2023: There's a decline, though it remained at a relatively strong level.
Potential to Investment: PCB generate a reasonable returns for its shareholders that was good for investment, though the profitability has slightly weakened.
Profit Margin
2013 to 2018: The margin maintained strong and stable around 30.47% to 38.41% that reflected high profitability.
2019 to 2020: There was a significant drop in profit margin, falling below 20%.
2021: The profit margin rose up to 37.26% .
2021 to 2023: It dropped notably from 29.97% to 16.69% signals a short-term risk.
Potential to Investment: If the profit margin continues to drop, it could affect dividend payouts and capital appreciation potential that gives a bad impact on the investment,
Debt-To-Equity
2013 to 2017: The debt-to-equity ratio exhibited fluctuations, staying below 2%, reflecting changes in capital structure and the broader economic environment.
2018 to 2023: The ratio started increased peaking above 20% as PCB took on more debt to finance large-scale capital expenditures related to its expansion initiatives.
Potential to Investment: While the increase in debt raised concerns to the investors, the company's steady cash flows from its diversified product portfolio provided some cushion, allowing it to manage its debt obligations effectively.
PE RATIO
2013 to 2020: The PE Ratio experienced significant fluctuations.
2020 to 2021: There's a sharp rise at 40% in which the stock is priced at a premium.
2022 to 2023: The ratio decreased but remained higher than the earlier years.
Potential to Investment: This represents an opportunity to invest in the company, provided that the investor believes in the company’s long-term growth potential.
REAL ESTATE INVESTMENT TRUST (REIT)
AXIS REAL ESTATE INVESTMENT TRUST (AXIS REIT)
Return On Assets (ROA)
The graph shows Return On Assets (ROA) for AXIS Real Estate Investment Trust (AXIS REIT), the ROA percentage decrease from 2013 to 2015. On 2013, it shows 8.43%, while 2014 is at 7.26%, and it even went lower on 2015 which is 5.98%. As for 2016, the ROA increase to 7.04% and decreased again in 2017 to 6.47%. For the next two years, it shows that the ROA rises back again where in 2018 it went to 7.26% and increased by 1.4% to 8.66% in 2019. However, due to the pandemic Covid-19, the graph dropped 3.03% in 2020 which make it only 5.63%. For the next three years, it went up and down a bit again which in 2021 it reach 6.81%, in 2022 6% and 2023 6.32%.
Potential to Investment: Axis REIT demonstrates consistent returns and resilience during economic fluctuations, making it an attractive option for investors seeking stable and moderate-risk investment opportunities in the real estate sector.
Return On Equity (ROE)
The year 2013, Return On Equity (ROE) was on it's second highest percentage which is 11.03%. The next following years continued with the graph being not fixed as in 2014, it went to 9.38%, 2015 still decreased to 7.21%. Still, by the year 2016, it is not fixed again as it increase back to 8.91%. As for the year 2017, it went down by 0.7%, 8.21% and in 2018, the graph goes back up again to. 9.52%. In 2019, ROE reached the highest percentage which is 11.18%. However in 2020, it fall off to 6.76% where the difference is 4.42%. The big contrast were mainly caused by the pandemic outbreak. By the year of 2021, it increase again to 8.62%, but decrease back again in 2022, 7.47% and in 2023, it reached 8.07%.
Potential to Investment: The fluctuating ROE demonstrates resilience and potential for recovery after downturns, making it a viable investment for those seeking long-term growth and profitability.
Profit Margin
It starts in 2013 with 85.4% and decrease to 84.58% in 2014. In 2015, the profit margin increase to 85.43% and decrease to 83.97% at 2016. As for 2017, it has increase to 84.37% and increase even more at 2018 which is 86.56%. In 2019, it has decrease a bit which is 85.92% and decrease even more in 2020 which is 85.22%. In 2021, the profit margin increase to 86.21%. However, in 2022 and 2023, the profit margin decrease from 86.04% to 84.93%.
Potential to Investment: The consistent recovery in profit margins indicates a stable financial performance, making it an attractive option for investors seeking steady and reliable returns.
Debt-To-Equity
It started with the year 2013 where the percentage is on 51.3% and only increase by 0.3% in 2014 which makes it 51.6%. In 2015, it increases to 54.1% and increase even more in 2016 as it reached 56.0%. For year 2017, it decrease back again to 53.0%. However in 2018, it went back up as much as 10.7% to 63.7%. By the year 2019, the total debt however decreased to 42.6%, but it went back up again in 2020 to 52.4%. The percentage however decrease by 5.5% in 2021 which makes it to reach only 46.9%. It merely goes back up at 2022 to 60.1% but in the year 2023, it decrease again to 55.0%.
Potential to Investment: Axis REIT's debt to equity ratio of 66.4% suggests a relatively high level of debt, which may indicate higher risk but also potential for higher returns.
PE RATIO
In 2013, it start with 14.7% and decrease to 10.2% in 2014. In 2015, the price to earnings ratio increase to 14.8% and increase even more to 16.4% at 2016. As for 2017, it has decrease to 15.5% and increase at 2018 which is 16%. However, in 2019 and 2020, the ratio decrease to 15.8% in 2019 and 14.7% in 2020. For year 2021, the percentage increase to 16%. However in 2022, the ratio increase by 1.3% which is 18.2% which makes it the highest price earnings ratio from 2013 to 2023. But in 2023, the price earnings ratio to drop by 6.1% which is 12.1% only.
Potential to Investment: Axis REIT appears to be reasonably valued compared to its peers, offering a balance between growth potential and risk.
AL-'AQAR HEALTHCARE REIT
AL-'AQAR HEALTHCARE REIT
Return On Assets (ROA)
The Return on Assets (ROA) of Al-'Aqar Healthcare REITs fluctuated significantly between 2013 and 2023. It decreased from 7.17% in 2013 to 5.95% in 2016, most likely as a result of difficulties in the real estate and healthcare industries. During the COVID-19 pandemic in 2020, the ROA fell precipitously to 2.71%, but it recovered to 7.82% in 2018. After rebounding to 6.04% in 2021, it saw another period of volatility, reaching 4.89% in 2022 and 5.24% in 2023. These changes highlight the necessity of flexibility and strategic management in Shariah-compliant investments.
Potential to Investment: The recovery and resilience demonstrated by Al-'Aqar Healthcare REIT, coupled with its strategic emphasis on the industry, indicate that it holds strong potential going forward which is good for investors who have a low to moderate risk appetite like Mr. Ahmad.
Return On Equity (ROE)
Market factors caused Mr. Ahmad's Return on Equity (ROE) to fluctuate between 2013 and 2023. It dropped from 9.08% in 2013 to 8.65% in 2016 as a result of low oil prices and economic slowdowns. With the economic recovery, ROE reached a peak of 9.77% in 2018, but during the COVID-19 epidemic in 2020, it fell precipitously to 1.32%. Following market normalisation, recovery efforts increased ROE to 7.79% in 2021 before stabilising at 5.24% in 2023. These patterns emphasise how crucial it is to preserve investor trust and long-term plans.
Potential to Investment: The ROE saw a strong recovery in 2021 despite the substantial decline. This shows that the business can bounce back and adjust to difficult situations, which bodes well for performance in the future.
Profit Margin
The state of the market and strategic choices caused Mr. Ahmad's profit margins to fluctuate. As a result of increasing operations and demand, margins climbed from 90.54% in 2013 to 92.39% in 2015. Due to competition and growing expenses, they fell to 91.45% by 2019, but in 2020, as COVID-19 increased healthcare demand, they increased to 92.79%. Rising costs caused margins to drop to 92.07% in 2022, but post-pandemic growth propelled them back to 93.08% in 2023. Maintaining operations and reaching financial objectives require high profit margins.
Potential to Investment: Through the period of the analysis, the company has continuously kept its profit margins above 90%. Strong operational profitability and efficiency are indicated by this, which is excellent news for investors looking for steady profits.
Debt-To-Equity
Market factors and strategic choices caused Mr. Ahmad's debt-to-equity ratio to change between 2013 and 2023. It decreased from 89.9% in 2013 to 62.1% in 2017, indicating less dependence on debt and steady operations. Due to borrowing for operations and facility construction during COVID-19, the ratio rose to 72.5% in 2020; however, it decreased little to 72.4% in 2021. It decreased even further to 70.7% in 2022 as a result of debt payback initiatives. These patterns demonstrate how his firm has been impacted by fluctuations in the oil price, global economic conditions, and the expansion of Islamic banking.
Potential to Investment: The company's attempts to reduce debt and preserve steady operations are demonstrated by the initial fall, which occurred from 2013 to 2017 and reached its lowest point. This illustrates a systematic strategy to manage their finances, which is encouraging for investors.
PE RATIO
Between 2013 and 2023, Mr. Ahmad's Price-to-Earnings (PE) ratio varied a lot as a result of strategic choices and market conditions. It increased from 9.5% in 2013 to 14.0% in 2014 and then decreased little to 12.8% in 2015. Positive market optimism and rising healthcare demand drove the ratio's steady increase to 16.6% in 2018. However, because of market turbulence and disruptions in the healthcare sector, it fell to 10.9% in 2020. Driven by investor confidence during COVID-19, the ratio jumped to 36.1% in 2022 but fell precipitously to 11.7% in 2023. In the future, it is anticipated to progressively increase to 18.6%.
Potential to Investment: From 2013 to 2018, Al-'Aqar's PE Ratio increased steadily, reaching a high of 16.6%. This shows the company was continuously gaining the trust of investors and demonstrating promise in terms of earnings growth.
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