Hong Leong Bank Berhad Logo

Hong Leong Bank Berhad

5819.KL

(3.8)
Stock Price

20,38 MYR

1.42% ROA

11.72% ROE

10.26x PER

Market Cap.

43.046.834.187,00 MYR

75.84% DER

3% Yield

51.28% NPM

Hong Leong Bank Berhad Stock Analysis

Hong Leong Bank 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 Bank Berhad Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (11%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Revenue Growth

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

3 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.

4 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.

5 ROE

ROE in an average range (11.73%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (1.38%) 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.

7 PBV

The stock's PBV ratio (1.15x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

8 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

9 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

10 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

11 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (31) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

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

Hong Leong Bank 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 Bank Berhad Revenue
Year Revenue Growth
2004 1.455.236.000
2005 1.621.024.000 10.23%
2006 1.766.365.000 8.23%
2007 2.018.340.000 12.48%
2008 2.098.972.000 3.84%
2009 2.056.929.000 -2.04%
2010 2.542.457.000 19.1%
2011 3.893.693.000 34.7%
2012 3.920.865.000 0.69%
2013 4.051.586.000 3.23%
2014 3.983.876.000 -1.7%
2015 4.128.312.000 3.5%
2016 4.491.709.000 8.09%
2017 4.811.122.000 6.64%
2018 4.570.709.000 -5.26%
2019 4.707.254.000 2.9%
2020 5.414.514.000 13.06%
2021 5.533.559.000 2.15%
2022 5.599.051.000 1.17%
2023 11.039.860.000 49.28%

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 Bank 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%
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 Bank Berhad General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 82.115.000
2005 102.692.000 20.04%
2006 118.060.000 13.02%
2007 848.762.000 86.09%
2008 876.555.000 3.17%
2009 916.467.000 4.35%
2010 514.865.000 -78%
2011 0 0%
2012 171.991.000 100%
2013 168.882.000 -1.84%
2014 149.378.000 -13.06%
2015 172.199.000 13.25%
2016 169.646.000 -1.5%
2017 173.841.000 2.41%
2018 164.409.000 -5.74%
2019 160.524.000 -2.42%
2020 154.997.000 -3.57%
2021 159.620.000 2.9%
2022 170.836.000 6.57%
2023 201.808.000 15.35%

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 Bank Berhad EBITDA
Year EBITDA Growth
2004 1.927.261.000
2005 2.194.274.000 12.17%
2006 2.607.267.000 15.84%
2007 2.752.844.000 5.29%
2008 2.769.084.000 0.59%
2009 2.418.809.000 -14.48%
2010 3.100.308.000 21.98%
2011 5.126.782.000 39.53%
2012 5.613.732.000 8.67%
2013 5.808.414.000 3.35%
2014 6.249.737.000 7.06%
2015 6.186.427.000 -1.02%
2016 6.222.925.000 0.59%
2017 3.438.908.000 -80.96%
2018 7.290.402.000 52.83%
2019 6.654.363.000 -9.56%
2020 3.707.198.000 -79.5%
2021 6.559.913.000 43.49%
2022 4.843.258.000 -35.44%
2023 1.822.152.000 -165.8%

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 Bank Berhad Gross Profit
Year Gross Profit Growth
2004 1.455.236.000
2005 1.621.024.000 10.23%
2006 1.766.365.000 8.23%
2007 2.018.340.000 12.48%
2008 2.098.972.000 3.84%
2009 2.056.929.000 -2.04%
2010 2.542.457.000 19.1%
2011 3.893.693.000 34.7%
2012 3.920.865.000 0.69%
2013 4.051.586.000 3.23%
2014 3.983.876.000 -1.7%
2015 4.128.312.000 3.5%
2016 4.491.709.000 8.09%
2017 4.811.122.000 6.64%
2018 4.570.709.000 -5.26%
2019 4.707.254.000 2.9%
2020 5.414.514.000 13.06%
2021 5.533.559.000 2.15%
2022 5.599.051.000 1.17%
2023 11.039.860.000 49.28%

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 Bank Berhad Net Profit
Year Net Profit Growth
2004 513.439.000
2005 549.920.000 6.63%
2006 620.794.000 11.42%
2007 741.861.000 16.32%
2008 904.625.000 17.99%
2009 987.975.000 8.44%
2010 1.134.928.000 12.95%
2011 1.648.156.000 31.14%
2012 1.856.272.000 11.21%
2013 2.102.270.000 11.7%
2014 2.233.187.000 5.86%
2015 1.903.417.000 -17.33%
2016 2.145.016.000 11.26%
2017 2.638.078.000 18.69%
2018 2.664.507.000 0.99%
2019 2.494.597.000 -6.81%
2020 2.860.642.000 12.8%
2021 3.289.283.000 13.03%
2022 3.818.196.000 13.85%
2023 4.135.988.000 7.68%

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

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 Bank Berhad Free Cashflow
Year Free Cashflow Growth
2004 -3.642.541.000
2005 5.663.051.000 164.32%
2006 491.652.000 -1051.84%
2007 10.473.743.000 95.31%
2008 -1.424.440.000 835.29%
2009 -2.058.645.000 30.81%
2010 2.843.255.000 172.4%
2011 -13.807.762.000 120.59%
2012 3.154.615.000 537.7%
2013 3.886.620.000 18.83%
2014 -3.845.627.000 201.07%
2015 10.156.239.000 137.86%
2016 6.012.384.000 -68.92%
2017 -1.904.515.000 415.69%
2018 -1.454.665.000 -30.92%
2019 10.004.496.000 114.54%
2020 6.596.617.000 -51.66%
2021 2.350.796.000 -180.61%
2022 7.452.976.000 68.46%
2023 -796.536.000 1035.67%

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 Bank Berhad Operating Cashflow
Year Operating Cashflow Growth
2004 -3.576.604.000
2005 5.729.279.000 162.43%
2006 581.272.000 -885.65%
2007 10.582.331.000 94.51%
2008 -1.344.673.000 886.98%
2009 -1.941.786.000 30.75%
2010 2.965.731.000 165.47%
2011 -13.514.086.000 121.95%
2012 3.300.053.000 509.51%
2013 4.076.820.000 19.05%
2014 -3.612.798.000 212.84%
2015 10.514.315.000 134.36%
2016 6.190.041.000 -69.86%
2017 -1.768.489.000 450.02%
2018 -1.320.734.000 -33.9%
2019 10.213.113.000 112.93%
2020 6.741.661.000 -51.49%
2021 2.501.916.000 -169.46%
2022 7.622.201.000 67.18%
2023 -779.994.000 1077.21%

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 Bank Berhad Capital Expenditure
Year Capital Expenditure Growth
2004 65.937.000
2005 66.228.000 0.44%
2006 89.620.000 26.1%
2007 108.588.000 17.47%
2008 79.767.000 -36.13%
2009 116.859.000 31.74%
2010 122.476.000 4.59%
2011 293.676.000 58.3%
2012 145.438.000 -101.93%
2013 190.200.000 23.53%
2014 232.829.000 18.31%
2015 358.076.000 34.98%
2016 177.657.000 -101.55%
2017 136.026.000 -30.61%
2018 133.931.000 -1.56%
2019 208.617.000 35.8%
2020 145.044.000 -43.83%
2021 151.120.000 4.02%
2022 169.225.000 10.7%
2023 16.542.000 -923%

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 Bank Berhad Equity
Year Equity Growth
2004 4.401.996.000
2005 4.380.909.000 -0.48%
2006 4.658.707.000 5.96%
2007 5.133.238.000 9.24%
2008 5.776.852.000 11.14%
2009 6.424.023.000 10.07%
2010 7.465.247.000 13.95%
2011 11.419.311.000 34.63%
2012 13.036.624.000 12.41%
2013 14.530.178.000 10.28%
2014 16.789.592.000 13.46%
2015 21.117.147.000 20.49%
2016 22.685.413.000 6.91%
2017 23.892.259.000 5.05%
2018 25.474.387.000 6.21%
2019 27.234.299.000 6.46%
2020 29.459.114.000 7.55%
2021 30.988.976.000 4.94%
2022 33.986.652.000 8.82%
2023 37.294.088.000 8.87%

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 Bank Berhad Assets
Year Assets Growth
2004 57.709.713.000
2005 60.596.250.000 4.76%
2006 71.423.739.000 15.16%
2007 77.461.205.000 7.79%
2008 79.404.542.000 2.45%
2009 84.705.573.000 6.26%
2010 145.424.673.000 41.75%
2011 157.787.262.000 7.83%
2012 163.585.697.000 3.54%
2013 170.350.803.000 3.97%
2014 184.019.735.000 7.43%
2015 189.828.215.000 3.06%
2016 195.552.522.000 2.93%
2017 202.890.773.000 3.62%
2018 207.369.415.000 2.16%
2019 221.277.917.000 6.29%
2020 237.129.240.000 6.68%
2021 254.331.377.000 6.76%
2022 279.850.454.000 9.12%
2023 297.789.072.000 6.02%

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 Bank Berhad Liabilities
Year Liabilities Growth
2004 53.307.717.000
2005 56.215.341.000 5.17%
2006 66.765.032.000 15.8%
2007 72.327.967.000 7.69%
2008 73.627.690.000 1.77%
2009 78.281.550.000 5.95%
2010 137.959.426.000 43.26%
2011 146.367.951.000 5.74%
2012 150.549.073.000 2.78%
2013 155.820.625.000 3.38%
2014 167.230.143.000 6.82%
2015 168.711.068.000 0.88%
2016 172.867.109.000 2.4%
2017 178.998.514.000 3.43%
2018 181.895.028.000 1.59%
2019 194.043.618.000 6.26%
2020 207.670.126.000 6.56%
2021 223.342.401.000 7.02%
2022 245.863.802.000 9.16%
2023 260.323.155.000 5.55%

Hong Leong Bank Berhad Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.99
Net Income per Share
2.05
Price to Earning Ratio
10.26x
Price To Sales Ratio
5.26x
POCF Ratio
12.41
PFCF Ratio
12.78
Price to Book Ratio
1.15
EV to Sales
7.55
EV Over EBITDA
17.23
EV to Operating CashFlow
17.82
EV to FreeCashFlow
18.35
Earnings Yield
0.1
FreeCashFlow Yield
0.08
Market Cap
43,05 Bil.
Enterprise Value
61,79 Bil.
Graham Number
28.95
Graham NetNet
-128.63

Income Statement Metrics

Net Income per Share
2.05
Income Quality
0.74
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.97
EBT Per Ebit
1.29
Ebit per Revenue
0.41
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.41
Pretax Profit Margin
0.53
Net Profit Margin
0.51

Dividends

Dividend Yield
0.03
Dividend Yield %
3
Payout Ratio
0.31
Dividend Per Share
0.63

Operating Metrics

Operating Cashflow per Share
1.69
Free CashFlow per Share
1.64
Capex to Operating CashFlow
0.03
Capex to Revenue
0.01
Capex to Depreciation
0.46
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
213.45
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.71
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.05

Balance Sheet

Cash per Share
-4,39
Book Value per Share
18,28
Tangible Book Value per Share
17.21
Shareholders Equity per Share
18.2
Interest Debt per Share
16.21
Debt to Equity
0.76
Debt to Assets
0.09
Net Debt to EBITDA
5.23
Current Ratio
0.11
Tangible Asset Value
35,28 Bil.
Net Current Asset Value
-249,82 Bil.
Invested Capital
-80856273000
Working Capital
-84,20 Bil.
Intangibles to Total Assets
0.01
Average Receivables
3,80 Bil.
Average Payables
0,27 Bil.
Average Inventory
5739526000
Debt to Market Cap
0.66

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 Bank 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 1 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Hong Leong Bank Berhad Profile

About Hong Leong Bank Berhad

Hong Leong Bank Berhad operates as a financial services company in Malaysia, Singapore, Hong Kong, China, Vietnam, and Cambodia. The company's deposit products include current, savings, pay and save, foreign currency, and fixed deposit accounts. It also offers personal, home, solar, mortgage, shop, refinancing, auto, property, business cash, business auto, business mortgage, term, working capital, and onshore foreign currency loans; credit cards; share margin, loan, share, and mortgage financing services; and overdrafts and revolving credit facilities. In addition, the company provides collection, letters of credit, shipping and bank guarantee, bankers' acceptance, invoice financing, trust receipt, export credit refinancing, foreign/domestic bills of exchange purchased and authority to purchase, advance against trade, e-broking, remittance, and wealth and cash management services. Further, it offers motor, travel, home, life, marine cargo, fire, solar PV all risks, personal accident, medical, card, investment linked, and safe deposit locker insurance products; and digital payments, merchants, and online banking services. Additionally, the company in involved in the provision of Islamic banking, agent and nominee, foreign exchange, debit cards, safe deposit box, and ATM services; holding of pooled motor vehicles; and investment and management of properties. The company was formerly known as MUI Bank Berhad and changed its name to Hong Leong Bank Berhad in January 1991. Hong Leong Bank Berhad was incorporated in 1905 and is based in Kuala Lumpur, Malaysia. Hong Leong Bank Berhad operates as a subsidiary of Hong Leong Financial Group Berhad.

CEO
Mr. Sai Yoke Lam
Employee
7.987
Address
Menara Hong Leong
Kuala Lumpur, 50490

Hong Leong Bank Berhad Executives & BODs

Hong Leong Bank Berhad Executives & BODs
# Name Age
1 Fiona Fong
Head of Human Resources
70
2 Mr. Duc Hung Duong
MD & General Director of HLBVN
70
3 Sheng Wai Chow
Head of Corporate Finance & Investor Relations
70
4 Vivian Tan
General Manager of Corporate Communication & Corporate Social Responsibility
70
5 Mr. Kuan Tuck Yow
Managing Director of Business & Corporate Banking
70
6 Mr. Sai Yoke Lam
Group MD & Chief Executive Officer
70
7 Mr. Malkit Singh Maan CPA
Chief Financial Officer
70
8 Mr. Chee Kong Wong
Chief of Information and Technology
70
9 Mr. Kwok Wai Hor
Managing Director of Regional Wealth Management
70
10 Mr. Wai Choong Ho
Managing Director of China Operations
70

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