Everything You Need to Know Before Buying Maybank Stock
TL;DR: Maybank is Malaysia's biggest bank paying 6.27% dividend yearly (as of 7 Jan 2026). Perfect if you want income. Not ideal if you want stock price to double. Safe to buy via Webull (low fees, easy approval).
Key Acronyms (What They Mean)
| Acronym | Full Name | Simple Terms |
|---|---|---|
| MAYBANK | Malayan Banking Berhad (1155) | Malaysia's biggest bank |
| KLSE | Kuala Lumpur Stock Exchange | Place where Malaysian stocks are bought/sold |
| P/E Ratio | Price-to-Earnings | Price you pay for every RM1 of profit |
| ROE | Return on Equity | How much profit bank makes from shareholders' money |
| NIM | Net Interest Margin | Profit margin (how much banks earn from lending) |
| YoY | Year-over-Year | Compared to same time last year |
| SST | Service and Sales Tax | 6% tax on investment gains |
Key Numbers You Need to Know
| Metric | Value | As of |
|---|---|---|
| Stock Price | RM9.89 | 7 Jan 2026 |
| Dividend Yield | 6.27% | 7 Jan 2026 |
| P/E Ratio | 11.64 | 7 Jan 2026 (TTM) |
| Net Profit (9M 2025) | RM7.84B | 30 Sep 2025 |
| Payout Ratio | 71.6% | As of Latest Report |
| Annual Dividend | RM0.62 | FY 2025 |
Why People Buy Maybank
✅ Excellent dividend yield (6.27% as of 7 Jan 2026) - 2.5x better than fixed deposits at 2.5%
✅ Consistent profits - Growing 3-4% yearly (9M 2025: +3.7% YoY)
✅ Regional strength - Operations in 5 ASEAN countries
✅ Strong returns - 11.3% ROE (industry average: ~10%)
✅ Very stable - Low volatility stock (Beta: 0.61)
Why You Might Avoid It
❌ Minimal stock price growth - -1.10% in past week (as of 7 Jan 2026)
❌ Loan growth slowing - Only 1.3% growth in 1H 2025
❌ NIM pressure - Net Interest Margin declining 2024-2025
❌ Malaysia dependent - 70%+ profits from Malaysia
❌ Dividend growth slow - ~3% per year (2024-2025)
Real Example: RM50,000 Investment
| Period | Dividend (per year) | Capital Appreciation | Total Annual Return | Calculation Date |
|---|---|---|---|---|
| Year 1 | RM3,135 (6.27% yield) | RM0-500 (stock growth) | 6.3-7.3% | Based on 7 Jan 2026 price |
| Year 2-5 | ~RM3,100-3,200/year | ~2-3% per year | ~8-9% per year | Conservative estimate |
Who Should Buy?
✅ Buy if:
- You want 6%+ annual income (current yield: 6.27% as of 7 Jan 2026)
- You're near retirement or over 50 years old
- You want a "sleep at night" stock with low volatility
- You can hold 3+ years without needing the money
❌ Avoid if:
- You want stock price to double (only up 0.20% in Jan 2026)
- You're a short-term trader looking for quick gains
- You're worried about Malaysia economy slowdown
How to Buy Maybank via Webull
Step 1: Download & Sign Up
- Download Webull Malaysia app (App Store or Google Play)
- Tap "Open Account"
- Enter your MyKad number
- Upload proof of address (utility bill or bank statement from last 3 months)
Time Required: ~5 minutes
Step 2: Complete Application
- Fill in employment details (company, position, industry)
- Select investment background (beginner, intermediate, advanced)
- Take a selfie for verification
- Sign digitally via app
Approval Timeline: 1-3 business days (as of Jan 2026)
Step 3: Fund Your Account
- Tap "Deposit" in app
- Select "Malaysia Securities" account type
- Choose Online Bank Transfer (instant, zero fees)
- Transfer RM1,000 and maintain for 60 days to get free rewards (RM200 worth NVIDIA shares)
Deposit Fee: Free | Promo Valid: As of Jan 2026
Step 4: Buy Maybank Stock
- Tap search icon (top right of app)
- Type "MAYBANK" or stock code "1155"
- Tap "Trade" button
- Select "Market Order" (buy at current price)
- Enter amount (e.g., RM5,000 or quantity of shares)
- Review and tap "Confirm"
Commission: 0.05% of trading amount (Minimum: RM2.50) | Last Updated: 7 Jan 2026
Dividend Safety & Payment Schedule
Annual Dividend: RM0.62 per share (paid semi-annually)
Payment Schedule: March & September each year
Safety Rating: ✅ VERY SAFE
Bank earns RM0.84 per share, pays only RM0.62 = Large safety cushion. 20+ year history of consistent payouts even during 2008 financial crisis.
Last Payment: September 2025 (RM0.32) | Next: March 2026 (Expected RM0.30)
Duitwise Rating
⭐ 4.2 / 5
For income investors: 4.8/5 (excellent)
For growth investors: 2.5/5 (poor)
For balanced investors: 4.2/5 (good)
Rating Date: 7 Jan 2026 | Based on current yield of 6.27%
Before You Buy
Understand your goal (income vs growth)
Current Maybank yield is 6.27% (7 Jan 2026) - good for income, not growth
Download Webull and complete sign-up (10 mins total)
Approval takes 1-3 business days as of Jan 2026
Deposit RM1,000 to get free rewards
Get RM200 worth of NVIDIA shares (promo as of Jan 2026)
Dollar-cost average your purchases
Buy RM1,000 monthly instead of all at once to reduce timing risk
Review your investment annually
Check if dividends increased or if fundamentals changed
Bottom Line
Maybank is a safe dividend stock paying 6.27% yearly (as of 7 Jan 2026).
Webull is the easiest way to buy it - low fees, fast approval (1-3 days), rewards up to RM200.
Best for: Income seekers, retirees (50+), conservative investors, people nearing retirement
Analysis Date: 7 January 2026
⚠️ IMPORTANT: NOT FINANCIAL ADVICE
This article is for learning only. It is NOT investment advice.
- Past returns don't guarantee future dividends (6.27% yield may change)
- Stock prices can fall even if fundamentals are good
- Maybank profits depend on Malaysia economy staying stable
- Interest rate changes (BNM decisions) can hurt bank profitability
- Before buying, talk to a licensed financial advisor (SC-regulated)
Duitwise takes NO responsibility for losses. You make your own investment decisions.
Data Sources & References
- Current Stock Price & Yield: RM9.89 @ 6.27% (as of 7 Jan 2026) - TradingView
- P/E Ratio & Beta: 11.64 (TTM) & 0.61 (7 Jan 2026) - TradingView
- Q3 2025 Results: RM7.84B net profit (9 months to 30 Sep 2025)
- Annual Dividend: RM0.62 per share (March & September 2025)
Last Updated: 7 January 2026 | All data current as of market close on 7 Jan 2026 | For latest information, check maybank.com and webull.com.my directly