Hang Seng Bank Limited Logo

Hang Seng Bank Limited

HSNGY

(2.5)
Stock Price

11,76 USD

1.01% ROA

10.29% ROE

10.74x PER

Market Cap.

182.338.348.421,32 USD

29.88% DER

6.88% Yield

27.4% NPM

Hang Seng Bank Limited Stock Analysis

Hang Seng Bank Limited 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.

Hang Seng Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.93x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (16%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROE

ROE in an average range (5.52%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.54%) 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.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (380), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Hang Seng Bank Limited 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.

Hang Seng Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Hang Seng Bank Limited 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.

Hang Seng Bank Limited Revenue
Year Revenue Growth
2002 15.087.000.000
2003 15.377.000.000 1.89%
2004 16.053.000.000 4.21%
2005 23.246.000.000 30.94%
2006 26.158.000.000 11.13%
2007 24.439.000.000 -7.03%
2008 23.563.000.000 -3.72%
2009 20.000.000.000 -17.82%
2010 21.440.000.000 6.72%
2011 22.597.000.000 5.12%
2012 36.611.000.000 38.28%
2013 48.172.000.000 24%
2014 40.790.000.000 -18.1%
2015 44.021.000.000 7.34%
2016 44.146.000.000 0.28%
2017 50.086.000.000 11.86%
2018 55.437.000.000 9.65%
2019 63.348.000.000 12.49%
2020 54.341.000.000 -16.57%
2021 49.580.000.000 -9.6%
2022 53.213.000.000 6.83%
2023 41.144.000.000 -29.33%
2024 75.724.000.000 45.67%

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.

Hang Seng Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2002 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%
2024 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.

Hang Seng Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 1.734.000.000 100%
2005 1.976.000.000 12.25%
2006 2.214.000.000 10.75%
2007 2.684.000.000 17.51%
2008 1.912.000.000 -40.38%
2009 2.748.000.000 30.42%
2010 2.917.000.000 5.79%
2011 3.191.000.000 8.59%
2012 0 0%
2013 2.438.000.000 100%
2014 2.544.000.000 4.17%
2015 2.924.000.000 13%
2016 3.063.000.000 4.54%
2017 3.270.000.000 6.33%
2018 3.888.000.000 15.9%
2019 4.187.000.000 7.14%
2020 4.324.000.000 3.17%
2021 4.885.000.000 11.48%
2022 5.199.000.000 6.04%
2023 5.496.000.000 5.4%
2024 10.828.000.000 49.24%

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.

Hang Seng Bank Limited EBITDA
Year EBITDA Growth
2002 15.382.000.000
2003 13.629.000.000 -12.86%
2004 15.940.000.000 14.5%
2005 21.387.000.000 25.47%
2006 31.988.000.000 33.14%
2007 41.539.000.000 22.99%
2008 26.310.000.000 -57.88%
2009 18.394.000.000 -43.04%
2010 20.358.000.000 9.65%
2011 24.122.000.000 15.6%
2012 27.905.000.000 13.56%
2013 34.592.000.000 19.33%
2014 25.390.000.000 -36.24%
2015 37.453.000.000 32.21%
2016 24.556.000.000 -52.52%
2017 29.669.000.000 17.23%
2018 37.528.000.000 20.94%
2019 30.967.000.000 -21.19%
2020 21.814.000.000 -41.96%
2021 18.937.000.000 -15.19%
2022 25.379.000.000 25.38%
2023 22.964.000.000 -10.52%
2024 -3.760.000.000 710.74%

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.

Hang Seng Bank Limited Gross Profit
Year Gross Profit Growth
2002 15.087.000.000
2003 15.377.000.000 1.89%
2004 16.053.000.000 4.21%
2005 23.246.000.000 30.94%
2006 26.158.000.000 11.13%
2007 24.439.000.000 -7.03%
2008 23.563.000.000 -3.72%
2009 20.000.000.000 -17.82%
2010 21.440.000.000 6.72%
2011 22.597.000.000 5.12%
2012 36.611.000.000 38.28%
2013 48.172.000.000 24%
2014 40.790.000.000 -18.1%
2015 44.021.000.000 7.34%
2016 44.146.000.000 0.28%
2017 50.086.000.000 11.86%
2018 55.437.000.000 9.65%
2019 63.348.000.000 12.49%
2020 54.341.000.000 -16.57%
2021 49.580.000.000 -9.6%
2022 53.213.000.000 6.83%
2023 41.144.000.000 -29.33%
2024 74.420.000.000 44.71%

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.

Hang Seng Bank Limited Net Profit
Year Net Profit Growth
2002 9.920.000.000
2003 9.539.000.000 -3.99%
2004 11.364.000.000 16.06%
2005 11.342.000.000 -0.19%
2006 12.038.000.000 5.78%
2007 17.878.000.000 32.67%
2008 14.099.000.000 -26.8%
2009 13.138.000.000 -7.31%
2010 14.917.000.000 11.93%
2011 16.885.000.000 11.66%
2012 19.327.000.000 12.64%
2013 26.678.000.000 27.55%
2014 15.131.000.000 -76.31%
2015 27.184.000.000 44.34%
2016 15.866.000.000 -71.33%
2017 20.018.000.000 20.74%
2018 23.863.000.000 16.11%
2019 24.421.000.000 2.28%
2020 16.687.000.000 -46.35%
2021 13.960.000.000 -19.53%
2022 11.286.000.000 -23.69%
2023 17.848.000.000 36.77%
2024 38.444.000.000 53.57%

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.

Hang Seng Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 5
2003 5 -25%
2004 6 20%
2005 6 0%
2006 6 16.67%
2007 10 33.33%
2008 7 -28.57%
2009 7 -16.67%
2010 8 14.29%
2011 9 12.5%
2012 10 20%
2013 14 23.08%
2014 8 -85.71%
2015 14 50%
2016 8 -75%
2017 10 20%
2018 12 16.67%
2019 13 0%
2020 8 -50%
2021 7 -33.33%
2022 6 -20%
2023 9 37.5%
2024 20 60%

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.

Hang Seng Bank Limited Free Cashflow
Year Free Cashflow Growth
2002 4.486.000.000
2003 33.424.000.000 86.58%
2004 17.484.000.000 -91.17%
2005 26.673.000.000 34.45%
2006 53.162.000.000 49.83%
2007 20.530.000.000 -158.95%
2008 -87.496.000.000 123.46%
2009 65.503.000.000 233.58%
2010 -31.013.000.000 311.21%
2011 -19.999.000.000 -55.07%
2012 -6.068.000.000 -229.58%
2013 19.513.000.000 131.1%
2014 1.537.000.000 -1169.55%
2015 12.717.000.000 87.91%
2016 2.727.000.000 -366.34%
2017 4.082.000.000 33.19%
2018 34.123.000.000 88.04%
2019 25.306.000.000 -34.84%
2020 80.563.000.000 68.59%
2021 -16.325.000.000 593.49%
2022 133.015.000.000 112.27%
2023 18.346.000.000 -625.04%
2024 11.140.000.000 -64.69%

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.

Hang Seng Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2002 4.681.000.000
2003 33.566.000.000 86.05%
2004 17.632.000.000 -90.37%
2005 26.840.000.000 34.31%
2006 53.541.000.000 49.87%
2007 21.070.000.000 -154.11%
2008 -86.830.000.000 124.27%
2009 65.815.000.000 231.93%
2010 -30.098.000.000 318.67%
2011 -19.577.000.000 -53.74%
2012 -5.709.000.000 -242.91%
2013 23.102.000.000 124.71%
2014 2.219.000.000 -941.1%
2015 14.209.000.000 84.38%
2016 3.626.000.000 -291.86%
2017 4.803.000.000 24.51%
2018 35.015.000.000 86.28%
2019 27.040.000.000 -29.49%
2020 82.673.000.000 67.29%
2021 -14.179.000.000 683.07%
2022 134.902.000.000 110.51%
2023 20.096.000.000 -571.29%
2024 11.897.000.000 -68.92%

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.

Hang Seng Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2002 195.000.000
2003 142.000.000 -37.32%
2004 148.000.000 4.05%
2005 167.000.000 11.38%
2006 379.000.000 55.94%
2007 540.000.000 29.81%
2008 666.000.000 18.92%
2009 312.000.000 -113.46%
2010 915.000.000 65.9%
2011 422.000.000 -116.82%
2012 359.000.000 -17.55%
2013 3.589.000.000 90%
2014 682.000.000 -426.25%
2015 1.492.000.000 54.29%
2016 899.000.000 -65.96%
2017 721.000.000 -24.69%
2018 892.000.000 19.17%
2019 1.734.000.000 48.56%
2020 2.110.000.000 17.82%
2021 2.146.000.000 1.68%
2022 1.887.000.000 -13.73%
2023 1.750.000.000 -7.83%
2024 757.000.000 -131.18%

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.

Hang Seng Bank Limited Equity
Year Equity Growth
2002 43.529.000.000
2003 40.285.000.000 -8.05%
2004 44.037.000.000 8.52%
2005 43.730.000.000 -0.7%
2006 48.698.000.000 10.2%
2007 56.456.000.000 13.74%
2008 51.626.000.000 -9.36%
2009 58.224.000.000 11.33%
2010 70.012.000.000 16.84%
2011 78.755.000.000 11.1%
2012 92.323.000.000 14.7%
2013 107.778.000.000 14.34%
2014 139.193.000.000 22.57%
2015 141.981.000.000 1.96%
2016 140.686.000.000 -0.92%
2017 152.079.000.000 7.49%
2018 162.107.000.000 6.19%
2019 178.917.000.000 9.4%
2020 183.195.000.000 2.34%
2021 184.416.000.000 0.66%
2022 183.961.000.000 -0.25%
2023 163.576.000.000 -12.46%
2023 168.184.000.000 2.74%
2024 166.367.000.000 -1.09%

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.

Hang Seng Bank Limited Assets
Year Assets Growth
2002 474.654.000.000
2003 502.959.000.000 5.63%
2004 548.625.000.000 8.32%
2005 580.820.000.000 5.54%
2006 669.064.000.000 13.19%
2007 745.999.000.000 10.31%
2008 762.168.000.000 2.12%
2009 825.968.000.000 7.72%
2010 916.911.000.000 9.92%
2011 975.445.000.000 6%
2012 1.077.096.000.000 9.44%
2013 1.143.730.000.000 5.83%
2014 1.263.990.000.000 9.51%
2015 1.334.429.000.000 5.28%
2016 1.377.242.000.000 3.11%
2017 1.478.418.000.000 6.84%
2018 1.571.297.000.000 5.91%
2019 1.676.991.000.000 6.3%
2020 1.759.787.000.000 4.7%
2021 1.820.185.000.000 3.32%
2022 1.893.805.000.000 3.89%
2023 1.694.707.000.000 -11.75%
2023 1.692.094.000.000 -0.15%
2024 1.708.453.000.000 0.96%

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.

Hang Seng Bank Limited Liabilities
Year Liabilities Growth
2002 431.125.000.000
2003 462.674.000.000 6.82%
2004 504.588.000.000 8.31%
2005 537.090.000.000 6.05%
2006 620.366.000.000 13.42%
2007 689.543.000.000 10.03%
2008 710.542.000.000 2.96%
2009 767.744.000.000 7.45%
2010 846.899.000.000 9.35%
2011 896.690.000.000 5.55%
2012 984.773.000.000 8.94%
2013 1.035.952.000.000 4.94%
2014 1.124.797.000.000 7.9%
2015 1.192.448.000.000 5.67%
2016 1.236.556.000.000 3.57%
2017 1.326.339.000.000 6.77%
2018 1.409.190.000.000 5.88%
2019 20.932.000.000 -6632.23%
2020 21.583.000.000 3.02%
2021 26.364.000.000 18.13%
2022 1.709.844.000.000 98.46%
2023 32.655.000.000 -5136.09%
2023 27.491.000.000 -18.78%
2024 29.381.000.000 6.43%

Hang Seng Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
32.93
Net Income per Share
9.02
Price to Earning Ratio
10.74x
Price To Sales Ratio
2.9x
POCF Ratio
10.45
PFCF Ratio
11.48
Price to Book Ratio
1.11
EV to Sales
3.21
EV Over EBITDA
-111.77
EV to Operating CashFlow
11.4
EV to FreeCashFlow
12.69
Earnings Yield
0.09
FreeCashFlow Yield
0.09
Market Cap
182,34 Bil.
Enterprise Value
201,52 Bil.
Graham Number
133.07
Graham NetNet
-10.06

Income Statement Metrics

Net Income per Share
9.02
Income Quality
1.01
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.85
EBT Per Ebit
0.94
Ebit per Revenue
0.34
Effective Tax Rate
0.13

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.97
Operating Profit Margin
0.34
Pretax Profit Margin
0.32
Net Profit Margin
0.27

Dividends

Dividend Yield
0.07
Dividend Yield %
6.88
Payout Ratio
0.73
Dividend Per Share
0.86

Operating Metrics

Operating Cashflow per Share
9.27
Free CashFlow per Share
8.33
Capex to Operating CashFlow
0.1
Capex to Revenue
0.03
Capex to Depreciation
0.6
Return on Invested Capital
0.09
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
1227.77
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0.3
Inventory Turnover
0
Capex per Share
0.94

Balance Sheet

Cash per Share
5,35
Book Value per Share
880,56
Tangible Book Value per Share
878.27
Shareholders Equity per Share
87.22
Interest Debt per Share
26.53
Debt to Equity
0.3
Debt to Assets
0.03
Net Debt to EBITDA
-10.64
Current Ratio
0.01
Tangible Asset Value
1.674,71 Bil.
Net Current Asset Value
-19,18 Bil.
Invested Capital
-652997000000
Working Capital
-683,71 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
6,60 Bil.
Average Inventory
0
Debt to Market Cap
0.27

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.

Hang Seng Bank Limited Dividends
Year Dividends Growth
2001 0
2002 0 0%
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 0 0%
2023 1 0%
2024 1 0%

Hang Seng Bank Limited Profile

About Hang Seng Bank Limited

Hang Seng Bank Limited, together with its subsidiaries, provides various banking and related financial services to individual, corporate, commercial, small and medium-sized enterprise, and institutional customers in Hong Kong, Mainland China, and internationally. It operates through four segments: Wealth and Personal Banking, Commercial Banking, Global Banking and Markets, and Other. The company offers personal banking services, including current and savings accounts, time deposits, mortgages and personal loans, credit cards, and insurance, investment, and other wealth management services, as well as consumer lending services. It also provides corporate lending, trade and receivable finance, payments and cash management, treasury and foreign exchange, general insurance, key-person insurance, investment services, and corporate wealth management; and general banking, corporate lending, interest rates, foreign exchange, money markets, structured products and derivatives, etc. In addition, the company offers retirement benefits, life assurance, fund management, and stock broking services, as well as index compilation and licensing; fund raising and sales; and asset management services. It operates approximately 280 service outlets in Hong Kong; branches in Macau and Singapore; and a representative office in Taipei, Taiwan. Hang Seng Bank Limited, through its subsidiary, Hang Seng Bank (China) Limited, also operates a network of outlets in approximately 20 cities in Mainland China. The company was founded in 1933 and is headquartered in Central, Hong Kong. Hang Seng Bank Limited is a subsidiary of The Hongkong and Shanghai Banking Corporation Limited.

CEO
Ms. Diana Ferreira Cesar J.P.
Employee
8.396
Address
83 Des Voeux Road
Central,

Hang Seng Bank Limited Executives & BODs

Hang Seng Bank Limited Executives & BODs
# Name Age
1 Ms. Diana Ferreira Cesar J.P.
Chief Executive & Executive Director
70
2 Mr. Man Lung Lee
Head of Strategy & Planning and Chief of Staff to CE
70
3 Ms. Mabel W. L Chu
General Counsel
70
4 Lok Sze Ho
Head of Human Resources
70
5 Ms. Say Pin Saw
Chief Financial Officer & Executive Director
70
6 Ms. Wai Man Chiu
Chief Operating Officer
70
7 Ms. Ka Wai Cheung
Chief Risk & Compliance Officer
70
8 Ms. Shuk Man Law
Head of Communications & Community Investments
70
9 Mr. Wang Chun Cheung
Chief Marketing Officer
70
10 Ms. Tan Ling Chow
Head of Global Markets
70

Hang Seng Bank Limited Competitors