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Hong Leong Finance Limited
(SGX:S41)
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Rating:64Neutral
Price Target:
S$2.50
â–¼(-4.94% Downside)
Action:Reiterated
Date:08/04/26
The score is primarily driven by solid financial resilience (conservative leverage and steady profitability), tempered by volatile multi-year cash-flow consistency and uneven revenue trends. Valuation is a positive contributor (moderate P/E and attractive dividend yield), while technical signals are only mildly supportive with limited longer-term trend strength.
Positive Factors
Conservative balance sheet
Very low leverage across recent years indicates high capital resilience and loss-absorption capacity. A conservatively levered balance sheet supports continued lending, regulatory compliance and flexibility to fund growth or withstand credit stress without immediate external funding needs.
Negative Factors
Volatile revenue growth
Material revenue swings and an uneven top-line trajectory reduce predictability of future earnings and loan book expansion. For a deposit-taking lender, inconsistent revenue complicates pricing, provisioning and strategic planning, weakening visibility into sustainable growth drivers.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage across recent years indicates high capital resilience and loss-absorption capacity. A conservatively levered balance sheet supports continued lending, regulatory compliance and flexibility to fund growth or withstand credit stress without immediate external funding needs.
Read all positive factors
Hong Leong Finance Limited (S41) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$1.13B
Dividend Yield3.53%
Average Volume (3M)171.59K
Price to Earnings (P/E)11.6
Beta (1Y)0.30
Revenue Growth-27.48%
EPS Growth-21.92%
CountrySG
Employees636
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding449,997,800
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)N/A
Revenue Forecast (FY)N/A
Hong Leong Finance Limited Business Overview & Revenue Model
Company Description
Hong Leong Finance Limited operates as a financial services company for consumer, and small and medium-sized enterprises (SMEs) markets in Singapore. The company offers a range of deposits and savings, which includes fixed deposit and saving accou...
How the Company Makes Money
Hong Leong Finance Limited makes money primarily through interest-based and fee-based income generated from its financing and deposit-taking activities.
1) Net interest income (core earnings)
- Lending interest: The company extends credit to cust...
Hong Leong Finance Limited Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
78
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 395.43M | 459.57M | 601.52M | 579.20M | 353.69M | 251.43M |
| Gross Profit | 195.17M | 187.69M | 233.28M | 212.31M | 258.74M | 189.42M |
| EBITDA | 93.21M | 84.80M | 133.26M | 119.59M | 165.05M | 109.95M |
| Net Income | 65.55M | 62.72M | 104.08M | 93.37M | 130.88M | 84.82M |
Balance Sheet | ||||||
| Total Assets | 15.30B | 14.76B | 14.63B | 14.96B | 14.28B | 12.95B |
| Cash, Cash Equivalents and Short-Term Investments | 903.24M | 855.84M | 1.11B | 1.50B | 926.04M | 828.65M |
| Total Debt | 474.00K | 706.00K | 45.35M | 17.92M | 63.89M | 37.44M |
| Total Liabilities | 13.17B | 12.65B | 12.53B | 12.90B | 12.23B | 10.99B |
| Stockholders Equity | 2.12B | 2.12B | 2.11B | 2.06B | 2.04B | 1.96B |
Cash Flow | ||||||
| Free Cash Flow | 110.42M | 194.34M | -309.14M | 144.59M | 176.58M | -65.81M |
| Operating Cash Flow | 114.89M | 198.13M | -307.27M | 147.53M | 178.01M | -65.41M |
| Investing Cash Flow | -1.01B | -388.55M | -1.87M | -91.50M | -1.43M | -399.00K |
| Financing Cash Flow | 516.26M | -62.72M | -81.02M | 517.70M | -77.36M | -38.78M |
Hong Leong Finance Limited Technical Analysis
Positive
2.63
Price Trends
2.50
Positive
2.51
Positive
2.54
Negative
Market Momentum
<0.01
Negative
55.67
Neutral
25.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:S41, the sentiment is Positive. The current price of 2.63 is above the 20-day moving average (MA) of 2.50, above the 50-day MA of 2.50, and above the 200-day MA of 2.54, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 55.67 is Neutral, neither overbought nor oversold. The STOCH value of 25.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | S$71.45B | 10.96 | 9.73% | 6.85% | -10.35% | -19.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | S$1.13B | 11.56 | 3.09% | 4.87% | -27.48% | -21.92% | |
52 Neutral | S$730.89M | -15.33 | -0.19% | 16.05% | -32.47% | -101.73% |
* Financial Sector Average
SG:S41
Hong Leong Finance Limited
2.52
0.05
1.94%
SG:U11
UOB
43.30
9.18
26.92%
SG:I49
IFS Capital Ltd.
0.17
0.02
17.02%
SG:S23
Singapura Finance Ltd
0.80
0.13
20.12%
SG:S35
Sing Investments & Finance Limited
1.59
0.34
26.79%
SG:YF8
Yangzijiang Financial Holding Ltd.
0.21
-0.24
-53.13%
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.