Hong Leong Finance Limited (SG:S41)
SGX:S41
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Hong Leong Finance Limited
(SGX:S41)
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Rating:71Outperform
Price Target:
S$3.00
▲(14.07% Upside)
Action:ReiteratedDate:12/30/25
The score is driven primarily by strong balance-sheet conservatism and consistently positive earnings with improving net income, tempered by inconsistent cash flow (including a negative reversal in 2024). Valuation is supportive with a solid dividend yield and moderate P/E, while technicals indicate stable, mildly positive momentum rather than a strong uptrend.
Positive Factors
Balance Sheet Strength
A strong balance sheet with low debt-to-equity ratio provides financial flexibility and reduces risk, supporting long-term stability.
Negative Factors
Cash Flow Volatility
Volatile cash flow undermines financial stability and limits the ability to fund operations and growth internally, posing a risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
A strong balance sheet with low debt-to-equity ratio provides financial flexibility and reduces risk, supporting long-term stability.
Read all positive factors
Hong Leong Finance Limited (S41) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$1.14B
Dividend Yield4.87%
Average Volume (3M)171.59K
Price to Earnings (P/E)18.8
Beta (1Y)0.33
Revenue Growth-10.51%
EPS Growth-15.79%
CountrySG
Employees632
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.14
Shares Outstanding449,898,320
10 Day Avg. Volume99,460
30 Day Avg. Volume171,586
Financial Highlights & Ratios
PEG Ratio-0.48
Price to Book (P/B)0.56
Price to Sales (P/S)2.56
P/FCF Ratio6.05
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.18
Revenue Forecast (FY)S$223.00M
Hong Leong Finance Limited Business Overview & Revenue Model
Company Description
Hong Leong Finance Limited provides various financial services to business and retail customers in Singapore. It accepts savings and business current accounts, as well as fixed deposits. The company also offers new and used car, home, and private ...
How the Company Makes Money
Hong Leong Finance Limited generates revenue through its diverse portfolio of financial services. The primary source of income comes from the interest earned on loans extended to individuals and businesses, which include personal loans, car loans,...
Hong Leong Finance Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
88
Very Positive
Cash Flow
43
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 459.57M | 601.52M | 579.20M | 353.69M | 251.43M |
| Gross Profit | 187.69M | 233.28M | 212.31M | 258.74M | 189.42M |
| EBITDA | 84.80M | 0.00 | 119.59M | 165.05M | 109.95M |
| Net Income | 62.72M | 104.08M | 93.37M | 130.88M | 84.82M |
Balance Sheet | |||||
| Total Assets | 14.76B | 14.63B | 14.96B | 14.28B | 12.95B |
| Cash, Cash Equivalents and Short-Term Investments | 855.84M | 1.11B | 1.50B | 926.04M | 828.65M |
| Total Debt | 706.00K | 45.35M | 17.92M | 63.89M | 37.44M |
| Total Liabilities | 12.65B | 12.53B | 12.90B | 12.23B | 10.99B |
| Stockholders Equity | 2.12B | 2.11B | 2.06B | 2.04B | 1.96B |
Cash Flow | |||||
| Free Cash Flow | 194.34M | -309.14M | 144.59M | 176.58M | -65.81M |
| Operating Cash Flow | 198.13M | -307.27M | 147.53M | 178.01M | -65.41M |
| Investing Cash Flow | -388.55M | -1.87M | -91.50M | -1.43M | -399.00K |
| Financing Cash Flow | -62.72M | -81.02M | 517.70M | -77.36M | -38.78M |
Hong Leong Finance Limited Technical Analysis
Negative
2.63
Price Trends
2.64
Negative
2.63
Negative
2.61
Negative
Market Momentum
-0.03
Negative
42.93
Neutral
33.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:S41, the sentiment is Negative. The current price of 2.63 is above the 20-day moving average (MA) of 2.54, below the 50-day MA of 2.64, and above the 200-day MA of 2.61, indicating a bearish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 42.93 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SG:S41.
Hong Leong Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | S$3.29B | ― | 9.75% | 4.63% | 7.87% | -4.03% | |
71 Outperform | S$1.14B | 18.75 | 2.98% | 4.87% | -10.51% | -15.79% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | S$283.38M | ― | 22.19% | 3.13% | 5.17% | -2.09% | |
53 Neutral | S$1.44B | 22.13 | 3.46% | ― | ― | ― |
* Financial Sector Average
SG:S41
Hong Leong Finance Limited
2.53
0.11
4.55%
SG:U10
UOB-Kay Hian Holdings Limited
3.34
1.63
95.44%
SG:HKB
AMTD IDEA Group Class A
3.60
0.00
0.00%
SG:S23
Singapura Finance Ltd
0.81
0.16
25.39%
SG:S35
Sing Investments & Finance Limited
1.55
0.47
43.52%
SG:TCU
Credit Bureau Asia Limited
1.23
-0.05
-3.91%
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.