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Hong Lai Huat Group Limited (SG:CTO)
SGX:CTO
Singapore Market

Hong Lai Huat Group Limited (CTO) AI Stock Analysis

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SG:CTO

Hong Lai Huat Group Limited

(SGX:CTO)

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Neutral 51 (OpenAI - 5.2)
Rating:51Neutral
Price Target:
S$0.07
▲(4.29% Upside)
Action:ReiteratedDate:01/22/26
Overall score is held back primarily by weak financial performance (negative margins, negative ROE, and negative operating/free cash flow) despite strong revenue growth and a low-leverage balance sheet. Technicals are supportive due to a clear uptrend, but overbought indicators raise near-term risk. Valuation impact is limited because P/E and dividend yield are not available.
Positive Factors
Strong Revenue Growth
Sustained TTM revenue growth of +73% signals meaningful demand or successful project sales execution. Over the next 2–6 months this top-line momentum can underpin scale benefits, support better absorption of fixed costs, and create optionality for selective reinvestment or deleveraging.
Negative Factors
Negative Profitability
A deeply negative net margin shows the company is losing money on operations despite revenue growth. Persisting losses erode equity, limit retained earnings, and must be corrected through price, cost or project mix changes to achieve sustainable profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
Sustained TTM revenue growth of +73% signals meaningful demand or successful project sales execution. Over the next 2–6 months this top-line momentum can underpin scale benefits, support better absorption of fixed costs, and create optionality for selective reinvestment or deleveraging.
Read all positive factors

Hong Lai Huat Group Limited (CTO) vs. iShares MSCI Singapore ETF (EWS)

Hong Lai Huat Group Limited Business Overview & Revenue Model

Company Description
Hong Lai Huat Group Limited, an investment holding company, operates as a real estate and property developer in Singapore and Cambodia. It invests in and develops commercial and residential properties. The company was formerly known as HLH Group L...
How the Company Makes Money
Hong Lai Huat Group Limited generates revenue through multiple streams, primarily from its construction contracts and property development projects. The company engages in both public and private sector construction works, earning income through f...

Hong Lai Huat Group Limited Financial Statement Overview

Summary
Strong TTM revenue growth (+73.37%) is outweighed by weak fundamentals: deeply negative net margin (-15.10%), negative EBIT/EBITDA margins, and negative ROE (-9.85%). Cash flow is also concerning with negative operating and free cash flow, despite low leverage (debt-to-equity 0.021).
Income Statement
30
Negative
Balance Sheet
45
Neutral
Cash Flow
35
Negative
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue664.00K102.00K-184.00K1.64M16.73M7.20M
Gross Profit35.00K15.00K-103.00K677.00K10.24M2.47M
EBITDA-4.46M-4.60M-4.35M-10.93M7.31M-5.90M
Net Income-10.03M-12.93M-23.21M-12.05M3.48M-8.53M
Balance Sheet
Total Assets103.34M110.59M133.35M156.11M171.82M162.64M
Cash, Cash Equivalents and Short-Term Investments20.99M27.48M3.98M11.63M26.17M9.63M
Total Debt2.03M1.08M11.92M5.54M6.04M23.26M
Total Liabilities5.07M5.71M22.06M21.08M23.15M45.00M
Stockholders Equity98.47M105.09M111.28M135.03M148.68M117.64M
Cash Flow
Free Cash Flow-5.23M-5.82M-6.03M1.28M7.86M-19.36M
Operating Cash Flow-4.83M-5.16M-5.64M1.86M9.09M-18.75M
Investing Cash Flow28.44M39.50M-7.05M-14.38M-1.17M-3.98M
Financing Cash Flow-7.56M-8.61M4.51M-3.31M8.42M21.25M

Hong Lai Huat Group Limited Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price0.07
Price Trends
50DMA
0.08
Negative
100DMA
0.08
Positive
200DMA
0.06
Positive
Market Momentum
MACD
<0.01
Positive
RSI
45.28
Neutral
STOCH
19.61
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:CTO, the sentiment is Neutral. The current price of 0.07 is below the 20-day moving average (MA) of 0.09, below the 50-day MA of 0.08, and above the 200-day MA of 0.06, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 45.28 is Neutral, neither overbought nor oversold. The STOCH value of 19.61 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SG:CTO.

Hong Lai Huat Group Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (65)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
66
Neutral
S$1.41B13.534.06%1.83%-8.06%
65
Neutral
$2.17B12.193.79%4.94%3.15%1.96%
65
Neutral
S$26.13M3.950.49%89.40%239.47%
51
Neutral
S$41.45M-7.65-5.70%
* Real Estate Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SG:CTO
Hong Lai Huat Group Limited
0.08
0.04
95.35%
DE:7GP
Pollux Properties Ltd.
0.01
<0.01
8.33%
SG:BCD
China Yuanbang Property Holdings Ltd.
0.15
0.00
0.00%
SG:F86
MYP Ltd.
0.07
0.02
44.44%
SG:H13
Ho Bee Land Limited
2.12
0.42
24.71%
SG:P36
Pan Hong Holdings Group Limited
0.05
-0.04
-42.05%

Hong Lai Huat Group Limited Corporate Events

Hong Lai Huat Details Poll-Based Voting and Proxy Arrangements at 2025 EGM
Dec 18, 2025
Hong Lai Huat Group Limited convened an Extraordinary General Meeting (EGM) on 24 November 2025 at Raffles Town Club in Singapore, with a valid quorum of shareholders present and its board and key officers in attendance, including one independent ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jan 22, 2026