Hong Leong Finance Limited Logo

Hong Leong Finance Limited

S41.SI

(2.8)
Stock Price

2,47 SGD

0.92% ROA

4.57% ROE

0x PER

Market Cap.

1.134.816.320,00 SGD

1.65% DER

6.62% Yield

16.12% NPM

Hong Leong Finance Limited Stock Analysis

Hong Leong Finance 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.

Hong Leong Finance Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (2%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROE

The stock's ROE falls within an average range (6.54%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.92%) 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 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 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.

8 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past three years, consistently delivering higher payouts to shareholders.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (0) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Hong Leong Finance 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.

Hong Leong Finance Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Hong Leong Finance 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.

Hong Leong Finance Limited Revenue
Year Revenue Growth
1999 220.002.000
2000 212.961.000 -3.31%
2001 109.071.000 -95.25%
2002 204.785.000 46.74%
2003 204.667.000 -0.06%
2004 199.105.000 -2.79%
2005 181.384.000 -9.77%
2006 176.889.000 -2.54%
2007 212.335.000 16.69%
2008 223.206.000 4.87%
2009 224.777.000 0.7%
2010 200.062.000 -12.35%
2011 172.661.000 -15.87%
2012 167.811.000 -2.89%
2013 164.718.000 -1.88%
2014 161.506.000 -1.99%
2015 174.816.000 7.61%
2016 149.424.000 -16.99%
2017 189.575.000 21.18%
2018 227.774.000 16.77%
2019 208.356.000 -9.32%
2020 157.434.000 -32.34%
2021 189.418.000 16.89%
2022 258.741.000 26.79%

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 Finance Limited Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 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%

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 Finance Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 0 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 425.000 100%
2011 0 0%
2012 435.000 100%
2013 474.000 8.23%
2014 422.000 -12.32%
2015 446.000 5.38%
2016 430.000 -3.72%
2017 508.000 15.35%
2018 500.000 -1.6%
2019 0 0%
2020 467.000 100%
2021 585.000 20.17%
2022 544.000 -7.54%

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 Finance Limited EBITDA
Year EBITDA Growth
1999 153.271.000
2000 144.326.000 -6.2%
2001 94.602.000 -52.56%
2002 112.507.000 15.91%
2003 101.002.000 -11.39%
2004 113.590.000 11.08%
2005 102.458.000 -10.86%
2006 124.094.000 17.44%
2007 105.506.000 -17.62%
2008 95.987.000 -9.92%
2009 135.517.000 29.17%
2010 147.650.000 8.22%
2011 121.447.000 -21.58%
2012 80.846.000 -50.22%
2013 86.913.000 6.98%
2014 78.473.000 -10.76%
2015 91.122.000 13.88%
2016 68.123.000 -33.76%
2017 106.660.000 36.13%
2018 144.092.000 25.98%
2019 138.160.000 -4.29%
2020 82.641.000 -67.18%
2021 109.955.000 24.84%
2022 165.052.000 33.38%

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 Finance Limited Gross Profit
Year Gross Profit Growth
1999 220.002.000
2000 212.961.000 -3.31%
2001 109.071.000 -95.25%
2002 204.785.000 46.74%
2003 204.667.000 -0.06%
2004 199.105.000 -2.79%
2005 181.384.000 -9.77%
2006 176.889.000 -2.54%
2007 212.335.000 16.69%
2008 223.206.000 4.87%
2009 224.777.000 0.7%
2010 200.062.000 -12.35%
2011 172.661.000 -15.87%
2012 167.811.000 -2.89%
2013 164.718.000 -1.88%
2014 161.506.000 -1.99%
2015 174.816.000 7.61%
2016 149.424.000 -16.99%
2017 189.575.000 21.18%
2018 227.774.000 16.77%
2019 208.356.000 -9.32%
2020 157.434.000 -32.34%
2021 189.418.000 16.89%
2022 258.741.000 26.79%

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 Finance Limited Net Profit
Year Net Profit Growth
1999 108.829.000
2000 101.243.000 -7.49%
2001 78.728.000 -28.6%
2002 84.535.000 6.87%
2003 77.566.000 -8.98%
2004 86.955.000 10.8%
2005 79.051.000 -10%
2006 96.162.000 17.79%
2007 133.380.000 27.9%
2008 78.016.000 -70.96%
2009 111.178.000 29.83%
2010 121.961.000 8.84%
2011 99.773.000 -22.24%
2012 77.555.000 -28.65%
2013 70.078.000 -10.67%
2014 62.797.000 -11.59%
2015 72.856.000 13.81%
2016 53.066.000 -37.29%
2017 85.685.000 38.07%
2018 118.343.000 27.6%
2019 107.936.000 -9.64%
2020 63.909.000 -68.89%
2021 84.821.000 24.65%
2022 130.879.000 35.19%

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 Finance Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 0 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%

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 Finance Limited Free Cashflow
Year Free Cashflow Growth
1999 333.400.000
2000 191.800.000 -73.83%
2001 270.700.000 29.15%
2002 185.700.000 -45.77%
2003 -466.905.000 139.77%
2004 50.887.000 1017.53%
2005 -123.510.000 141.2%
2006 260.774.000 147.36%
2007 879.466.000 70.35%
2008 581.200.000 -51.32%
2009 534.756.000 -8.69%
2010 -123.176.000 534.14%
2011 -489.871.000 74.86%
2012 689.405.000 171.06%
2013 -349.134.000 297.46%
2014 73.531.000 574.81%
2015 474.197.000 84.49%
2016 -266.397.000 278%
2017 -70.439.000 -278.2%
2018 426.095.000 116.53%
2019 14.616.000 -2815.26%
2020 -332.363.000 104.4%
2021 -65.809.000 -405.04%
2022 176.576.000 137.27%

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 Finance Limited Operating Cashflow
Year Operating Cashflow Growth
1999 335.500.000
2000 193.300.000 -73.56%
2001 279.200.000 30.77%
2002 191.000.000 -46.18%
2003 -458.589.000 141.65%
2004 54.535.000 940.91%
2005 -121.405.000 144.92%
2006 261.335.000 146.46%
2007 880.510.000 70.32%
2008 582.400.000 -51.19%
2009 535.540.000 -8.75%
2010 -122.243.000 538.09%
2011 -485.352.000 74.81%
2012 690.986.000 170.24%
2013 -347.328.000 298.94%
2014 85.902.000 504.33%
2015 478.896.000 82.06%
2016 -265.656.000 280.27%
2017 -69.923.000 -279.93%
2018 426.837.000 116.38%
2019 14.934.000 -2758.16%
2020 -332.014.000 104.5%
2021 -65.410.000 -407.59%
2022 178.007.000 136.75%

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 Finance Limited Capital Expenditure
Year Capital Expenditure Growth
1999 2.100.000
2000 1.500.000 -40%
2001 8.500.000 82.35%
2002 5.300.000 -60.38%
2003 8.316.000 36.27%
2004 3.648.000 -127.96%
2005 2.105.000 -73.3%
2006 561.000 -275.22%
2007 1.044.000 46.26%
2008 1.200.000 13%
2009 784.000 -53.06%
2010 933.000 15.97%
2011 4.519.000 79.35%
2012 1.581.000 -185.83%
2013 1.806.000 12.46%
2014 12.371.000 85.4%
2015 4.699.000 -163.27%
2016 741.000 -534.14%
2017 516.000 -43.6%
2018 742.000 30.46%
2019 318.000 -133.33%
2020 349.000 8.88%
2021 399.000 12.53%
2022 1.431.000 72.12%

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 Finance Limited Equity
Year Equity Growth
1999 884.820.000
2000 970.829.000 8.86%
2001 1.084.240.000 10.46%
2002 1.149.281.000 5.66%
2003 1.170.879.000 1.84%
2004 1.217.393.000 3.82%
2005 1.371.664.000 11.25%
2006 1.392.615.000 1.5%
2007 1.392.603.000 -0%
2008 1.365.217.000 -2.01%
2009 1.468.703.000 7.05%
2010 1.548.841.000 5.17%
2011 1.597.639.000 3.05%
2012 1.624.840.000 1.67%
2013 1.646.271.000 1.3%
2014 1.658.568.000 0.74%
2015 1.688.111.000 1.75%
2016 1.697.108.000 0.53%
2017 1.741.852.000 2.57%
2018 1.874.351.000 7.07%
2019 1.914.243.000 2.08%
2020 1.918.113.000 0.2%
2021 1.962.547.000 2.26%
2022 2.040.696.000 3.83%

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 Finance Limited Assets
Year Assets Growth
1999 5.900.984.000
2000 6.825.821.000 13.55%
2001 6.406.073.000 -6.55%
2002 6.477.929.000 1.11%
2003 6.173.374.000 -4.93%
2004 6.313.817.000 2.22%
2005 7.176.825.000 12.02%
2006 7.504.087.000 4.36%
2007 10.013.890.000 25.06%
2008 9.689.236.000 -3.35%
2009 8.936.032.000 -8.43%
2010 8.901.208.000 -0.39%
2011 9.504.845.000 6.35%
2012 11.794.140.000 19.41%
2013 11.675.146.000 -1.02%
2014 12.262.047.000 4.79%
2015 13.287.129.000 7.71%
2016 12.313.100.000 -7.91%
2017 12.542.886.000 1.83%
2018 13.381.255.000 6.27%
2019 14.460.780.000 7.47%
2020 13.365.062.000 -8.2%
2021 12.952.263.000 -3.19%
2022 14.275.512.000 9.27%

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 Finance Limited Liabilities
Year Liabilities Growth
1999 0
2000 0 0%
2001 163.285.000 100%
2002 171.033.000 4.53%
2003 144.485.000 -18.37%
2004 5.096.424.000 97.16%
2005 5.805.161.000 12.21%
2006 185.609.000 -3027.63%
2007 8.621.287.000 97.85%
2008 196.508.000 -4287.24%
2009 159.356.000 -23.31%
2010 133.936.000 -18.98%
2011 109.157.000 -22.7%
2012 10.169.300.000 98.93%
2013 10.028.875.000 -1.4%
2014 10.603.479.000 5.42%
2015 11.599.018.000 8.58%
2016 10.615.992.000 -9.26%
2017 10.801.034.000 1.71%
2018 11.506.904.000 6.13%
2019 12.546.537.000 8.29%
2020 11.446.949.000 -9.61%
2021 10.989.716.000 -4.16%
2022 12.234.816.000 10.18%

Hong Leong Finance Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0
Net Income per Share
0
Price to Earning Ratio
0x
Price To Sales Ratio
4.39x
POCF Ratio
0
PFCF Ratio
6.43
Price to Book Ratio
0
EV to Sales
0.94
EV Over EBITDA
1.47
EV to Operating CashFlow
1.36
EV to FreeCashFlow
1.37
Earnings Yield
0
FreeCashFlow Yield
0.16
Market Cap
1,13 Bil.
Enterprise Value
0,24 Bil.
Graham Number
0
Graham NetNet
0

Income Statement Metrics

Net Income per Share
0
Income Quality
1.36
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.83
EBT Per Ebit
0
Ebit per Revenue
0
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0
Pretax Profit Margin
0.19
Net Profit Margin
0.16

Dividends

Dividend Yield
0.07
Dividend Yield %
6.62
Payout Ratio
0.41
Dividend Per Share
0.17

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
-0.01
Capex to Revenue
-0.01
Capex to Depreciation
-0.18
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
29.32
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
12.45
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
0
Interest Debt per Share
0
Debt to Equity
0.02
Debt to Assets
0
Net Debt to EBITDA
-5.41
Current Ratio
13.24
Tangible Asset Value
2,04 Bil.
Net Current Asset Value
-11,29 Bil.
Invested Capital
0.02
Working Capital
0,88 Bil.
Intangibles to Total Assets
0
Average Receivables
0,02 Bil.
Average Payables
0,05 Bil.
Average Inventory
0
Debt to Market Cap
0.03

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 Finance Limited 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 Finance Limited Profile

About Hong Leong Finance Limited

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 property loans, as well as mortgage equity and share financing services. In addition, it provides small and medium enterprise (SME) loans, including accounts receivable financing, block discounting, equipment loans, HDB SME loans, hire purchase, medical asset financing, property development loans, SME care programmes, SME property loans, suppliers' invoice financing/letters of credit, syndicated loans, and term loans/working capital loans, as well as enterprise finance schemes, such as SME fixed assets, SME working capital, and trade schemes. Further, the company offers corporate finance services, including issuing management and sponsoring services; corporate advisory services in the areas of financial advisory, independent financial advisory, mergers and acquisitions, and restructuring; and equity fund raising services, such as initial public offering, secondary fund raising, and underwriting of shares. It operates through a network of 28 branches and 12 SME centers. The company was incorporated in 1961 and is based in Singapore.

CEO
Mr. Leng Beng Kwek
Employee
606
Address
No. 01-05 Hong Leong Building
Singapore, 048581

Hong Leong Finance Limited Executives & BODs

Hong Leong Finance Limited Executives & BODs
# Name Age
1 Mr. Leng Beng Kwek
Executive Chairman & MD
70
2 Mr. Yeng Yuen Tang
Vice President & Head of Corporate Finance
70
3 Mr. Andrew Low
Senior Vice President of Human Resources
70
4 Mr. Jeffrey Toh
Senior Vice President of Corporate & Consumer Business
70
5 Ms. Guat Hong Peh
Senior Vice President of Corporate & Consumer Business
70
6 Ms. Poh Nguok Yeo
Chief Financial Officer
70
7 Mr. Tang Chor Ang
President
70
8 Mr. Chee Wah Leong
Senior Vice President of Credit Control, Corporate Finance & Operations Re-Engineering
70
9 Mr. Nam Chie Sia
Senior Vice President of Risk Management, Legal & Compliance
70
10 Mr. Benjamin Ng
Senior Vice President of Information Technology & Operations
70

Hong Leong Finance Limited Competitors