Hong Leong Financial Group Berhad Logo

Hong Leong Financial Group Berhad

1082.KL

(4.0)
Stock Price

19,36 MYR

0.91% ROA

10.7% ROE

6.56x PER

Market Cap.

18.690.048.884,00 MYR

16.51% DER

2.97% Yield

38.92% NPM

Hong Leong Financial Group Berhad Stock Analysis

Hong Leong Financial Group Berhad Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Hong Leong Financial Group Berhad Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.73x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (17%), which means it has a small amount of debt compared to the ownership it holds

3 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

5 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

6 ROE

ROE in an average range (8.56%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 ROA

The stock's ROA (0.72%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

8 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

9 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

10 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

11 Buffet Intrinsic Value

The company's stock seems undervalued (42) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

Hong Leong Financial Group Berhad Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Hong Leong Financial Group Berhad Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Hong Leong Financial Group Berhad Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Hong Leong Financial Group Berhad Revenue
Year Revenue Growth
2004 1.641.433.000
2005 1.829.122.000 10.26%
2006 1.988.153.000 8%
2007 2.225.482.000 10.66%
2008 2.236.642.000 0.5%
2009 2.437.905.000 8.26%
2010 3.656.251.000 33.32%
2011 4.132.214.000 11.52%
2012 4.319.511.000 4.34%
2013 4.551.192.000 5.09%
2014 4.455.366.000 -2.15%
2015 4.461.813.000 0.14%
2016 4.995.111.000 10.68%
2017 5.295.636.000 5.67%
2018 5.124.750.000 -3.33%
2019 5.191.864.000 1.29%
2020 6.150.389.000 15.58%
2021 6.194.607.000 0.71%
2022 6.371.236.000 2.77%
2022 6.332.029.000 -0.62%
2023 6.141.380.000 -3.1%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Hong Leong Financial Group Berhad Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Hong Leong Financial Group Berhad General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 190.569.000 100%
2013 179.881.000 -5.94%
2014 180.745.000 0.48%
2015 198.685.000 9.03%
2016 195.417.000 -1.67%
2017 210.533.000 7.18%
2018 208.941.000 -0.76%
2019 214.063.000 2.39%
2020 206.610.000 -3.61%
2021 214.671.000 3.76%
2022 220.020.000 2.43%
2022 227.492.000 3.28%
2023 197.056.000 -15.45%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Hong Leong Financial Group Berhad EBITDA
Year EBITDA Growth
2004 882.304.000
2005 968.951.000 8.94%
2006 1.081.157.000 10.38%
2007 983.481.000 -9.93%
2008 1.016.434.000 3.24%
2009 1.343.038.000 24.32%
2010 2.507.059.000 46.43%
2011 1.835.729.000 -36.57%
2012 2.164.162.000 15.18%
2013 2.413.798.000 10.34%
2014 2.334.407.000 -3.4%
2015 2.031.816.000 -14.89%
2016 2.462.226.000 17.48%
2017 2.802.429.000 12.14%
2018 2.710.059.000 -3.41%
2019 2.638.368.000 -2.72%
2020 3.109.422.000 15.15%
2021 3.848.977.000 19.21%
2022 3.919.536.000 1.8%
2022 3.920.476.000 0.02%
2023 4.152.920.000 5.6%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Hong Leong Financial Group Berhad Gross Profit
Year Gross Profit Growth
2004 1.641.433.000
2005 1.829.122.000 10.26%
2006 1.988.153.000 8%
2007 2.225.482.000 10.66%
2008 2.236.642.000 0.5%
2009 2.437.905.000 8.26%
2010 3.656.251.000 33.32%
2011 4.132.214.000 11.52%
2012 4.319.511.000 4.34%
2013 4.551.192.000 5.09%
2014 4.455.366.000 -2.15%
2015 4.461.813.000 0.14%
2016 4.995.111.000 10.68%
2017 5.295.636.000 5.67%
2018 5.124.750.000 -3.33%
2019 5.191.864.000 1.29%
2020 6.150.389.000 15.58%
2021 6.194.607.000 0.71%
2022 6.371.236.000 2.77%
2022 6.332.029.000 -0.62%
2023 6.141.380.000 -3.1%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Hong Leong Financial Group Berhad Net Profit
Year Net Profit Growth
2004 576.102.000
2005 616.065.000 6.49%
2006 721.605.000 14.63%
2007 826.332.000 12.67%
2008 962.327.000 14.13%
2009 1.185.309.000 18.81%
2010 2.069.349.000 42.72%
2011 1.154.766.000 -79.2%
2012 1.487.690.000 22.38%
2013 1.706.877.000 12.84%
2014 1.620.743.000 -5.31%
2015 1.358.895.000 -19.27%
2016 1.506.765.000 9.81%
2017 1.907.442.000 21.01%
2018 1.919.359.000 0.62%
2019 1.857.502.000 -3.33%
2020 2.265.254.000 18%
2021 2.452.209.000 7.62%
2022 2.849.812.000 13.95%
2022 2.791.303.000 -2.1%
2023 2.966.580.000 5.91%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Hong Leong Financial Group Berhad Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 0 0%
2006 0 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 2 100%
2011 1 0%
2012 1 0%
2013 2 0%
2014 2 0%
2015 1 0%
2016 1 0%
2017 2 0%
2018 2 0%
2019 2 0%
2020 2 50%
2021 2 0%
2022 3 0%
2022 2 0%
2023 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Hong Leong Financial Group Berhad Free Cashflow
Year Free Cashflow Growth
2004 -3.930.583.000
2005 7.074.756.000 155.56%
2006 508.832.000 -1290.39%
2007 10.898.463.000 95.33%
2008 -1.544.217.000 805.76%
2009 -1.252.051.000 -23.33%
2010 4.062.449.000 130.82%
2011 -12.575.302.000 132.3%
2012 3.959.071.000 417.63%
2013 6.749.966.000 41.35%
2014 -2.263.213.000 398.25%
2015 10.563.324.000 121.43%
2016 4.152.695.000 -154.37%
2017 6.635.583.000 37.42%
2018 -11.856.869.000 155.96%
2019 13.400.926.000 188.48%
2020 7.238.237.000 -85.14%
2021 161.573.000 -4379.86%
2022 1.973.496.000 91.81%
2022 5.211.704.000 62.13%
2023 1.805.805.000 -188.61%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Hong Leong Financial Group Berhad Operating Cashflow
Year Operating Cashflow Growth
2004 -3.848.642.000
2005 7.151.217.000 153.82%
2006 609.645.000 -1073.01%
2007 11.015.342.000 94.47%
2008 -1.382.889.000 896.55%
2009 -1.068.710.000 -29.4%
2010 4.198.110.000 125.46%
2011 -12.267.513.000 134.22%
2012 4.116.274.000 398.02%
2013 6.959.980.000 40.86%
2014 -2.012.902.000 445.77%
2015 10.939.145.000 118.4%
2016 4.345.317.000 -151.75%
2017 6.797.987.000 36.08%
2018 -11.704.333.000 158.08%
2019 13.633.175.000 185.85%
2020 7.401.087.000 -84.21%
2021 339.537.000 -2079.76%
2022 2.000.790.000 83.03%
2022 5.401.144.000 62.96%
2023 1.837.896.000 -193.88%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Hong Leong Financial Group Berhad Capital Expenditure
Year Capital Expenditure Growth
2004 81.941.000
2005 76.461.000 -7.17%
2006 100.813.000 24.16%
2007 116.879.000 13.75%
2008 161.328.000 27.55%
2009 183.341.000 12.01%
2010 135.661.000 -35.15%
2011 307.789.000 55.92%
2012 157.203.000 -95.79%
2013 210.014.000 25.15%
2014 250.311.000 16.1%
2015 375.821.000 33.4%
2016 192.622.000 -95.11%
2017 162.404.000 -18.61%
2018 152.536.000 -6.47%
2019 232.249.000 34.32%
2020 162.850.000 -42.62%
2021 177.964.000 8.49%
2022 27.294.000 -552.03%
2022 189.440.000 85.59%
2023 32.091.000 -490.32%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Hong Leong Financial Group Berhad Equity
Year Equity Growth
2004 3.218.330.000
2005 3.390.637.000 5.08%
2006 3.766.122.000 9.97%
2007 4.107.860.000 8.32%
2008 4.570.044.000 10.11%
2009 5.160.551.000 11.44%
2010 10.260.020.000 49.7%
2011 8.393.445.000 -22.24%
2012 10.075.728.000 16.7%
2013 11.474.482.000 12.19%
2014 13.111.026.000 12.48%
2015 15.341.135.000 14.54%
2016 16.608.937.000 7.63%
2017 26.679.723.000 37.75%
2018 28.601.037.000 6.72%
2019 31.052.751.000 7.9%
2020 33.933.438.000 8.49%
2021 35.989.724.000 5.71%
2022 39.629.634.000 9.18%
2022 26.025.238.000 -52.27%
2023 40.567.993.000 35.85%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Hong Leong Financial Group Berhad Assets
Year Assets Growth
2004 61.095.761.000
2005 65.674.886.000 6.97%
2006 77.186.829.000 14.91%
2007 83.601.183.000 7.67%
2008 86.481.750.000 3.33%
2009 93.942.368.000 7.94%
2010 156.185.567.000 39.85%
2011 170.346.563.000 8.31%
2012 180.473.145.000 5.61%
2013 190.177.006.000 5.1%
2014 202.440.644.000 6.06%
2015 210.474.534.000 3.82%
2016 218.962.403.000 3.88%
2017 229.317.551.000 4.52%
2018 237.882.611.000 3.6%
2019 253.603.186.000 6.2%
2020 273.279.966.000 7.2%
2021 286.920.817.000 4.75%
2022 315.265.790.000 8.99%
2022 302.706.247.000 -4.15%
2023 316.370.304.000 4.32%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Hong Leong Financial Group Berhad Liabilities
Year Liabilities Growth
2004 56.190.538.000
2005 60.561.944.000 7.22%
2006 71.545.621.000 15.35%
2007 77.453.780.000 7.63%
2008 79.654.801.000 2.76%
2009 86.513.538.000 7.93%
2010 145.925.547.000 40.71%
2011 157.799.929.000 7.52%
2012 165.468.437.000 4.63%
2013 173.172.275.000 4.45%
2014 182.976.341.000 5.36%
2015 187.297.378.000 2.31%
2016 193.929.890.000 3.42%
2017 202.637.828.000 4.3%
2018 209.281.574.000 3.17%
2019 222.550.435.000 5.96%
2020 239.346.528.000 7.02%
2021 250.931.093.000 4.62%
2022 275.636.156.000 8.96%
2022 264.225.834.000 -4.32%
2023 275.802.311.000 4.2%

Hong Leong Financial Group Berhad Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.5
Net Income per Share
2.51
Price to Earning Ratio
6.56x
Price To Sales Ratio
3x
POCF Ratio
4.45
PFCF Ratio
4.62
Price to Book Ratio
0.68
EV to Sales
1.58
EV Over EBITDA
2.47
EV to Operating CashFlow
2.35
EV to FreeCashFlow
2.44
Earnings Yield
0.15
FreeCashFlow Yield
0.22
Market Cap
18,69 Bil.
Enterprise Value
9,88 Bil.
Graham Number
37.03
Graham NetNet
-229.2

Income Statement Metrics

Net Income per Share
2.51
Income Quality
0.81
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.55
EBT Per Ebit
2.3
Ebit per Revenue
0.31
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.31
Pretax Profit Margin
0.71
Net Profit Margin
0.39

Dividends

Dividend Yield
0.03
Dividend Yield %
2.97
Payout Ratio
0.07
Dividend Per Share
0.49

Operating Metrics

Operating Cashflow per Share
3.7
Free CashFlow per Share
3.57
Capex to Operating CashFlow
-0.04
Capex to Revenue
-0.02
Capex to Depreciation
0
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
196.52
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.86
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.14

Balance Sheet

Cash per Share
11,77
Book Value per Share
24,25
Tangible Book Value per Share
33.3
Shareholders Equity per Share
24.25
Interest Debt per Share
7.97
Debt to Equity
0.17
Debt to Assets
0.01
Net Debt to EBITDA
-2.21
Current Ratio
40.01
Tangible Asset Value
37,77 Bil.
Net Current Asset Value
-259,10 Bil.
Invested Capital
0.17
Working Capital
16,29 Bil.
Intangibles to Total Assets
0.01
Average Receivables
3,30 Bil.
Average Payables
2,50 Bil.
Average Inventory
0
Debt to Market Cap
0.24

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Hong Leong Financial Group Berhad Dividends
Year Dividends Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Hong Leong Financial Group Berhad Profile

About Hong Leong Financial Group Berhad

Hong Leong Financial Group Berhad, an investment holding company, provides a range of financial services to consumer, corporate, and institutional customers. The company operates through Commercial Banking, Investment Banking and Asset Management, Insurance, and Other Operations segments. It offers personal and Islamic financial, business banking, treasury, transaction banking, and wealth management services; investment banking, futures and stock broking, and fund and unit trust management services, as well as private banking services; corporate banking and global markets; and trading products and services, such as treasury, equities, derivatives, and foreign exchange. The company also provides life and general insurance, and takaful services; and management services. It has operations in Singapore, Hong Kong, Vietnam, and Cambodia. The company was formerly known as Hong Leong Credit Berhad and changed its name to Hong Leong Financial Group Berhad in July 2006. Hong Leong Financial Group Berhad was incorporated in 1968 and is headquartered in Kuala Lumpur, Malaysia. Hong Leong Financial Group Berhad operates as a subsidiary of Hong Leong Company (Malaysia) Berhad (Hlcm).

CEO
Mr. Kong Khoon Tan
Employee
40
Address
Menara Hong Leong
Kuala Lumpur, 50490

Hong Leong Financial Group Berhad Executives & BODs

Hong Leong Financial Group Berhad Executives & BODs
# Name Age
1 Mr. Kong Khoon Tan
President, Chief Executive Officer & Non-Independent Director
70
2 Mr. Tiong Khim Teh
Group Chief Financial Officer
70

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