Hong Leong Financial Group Bhd (1082) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Hong Leong Financial Group Bhd stock MYR 28.96, price MYR 17.62, upside +64.4%, quality 54 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Hong Leong Financial Group Bhd
1082 · KLSEThe stock costs 39% less than our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.
How to read this chart
60‑month range 14.16 MYR – 21.88 MYR · fair‑value band 24.01 MYR – 35.52 MYR · the 17.62 MYR price screens below the 28.96 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.
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Company profile
Hong Leong Financial Group Berhad, an investment holding company, provides investment banking, stockbroking, and fund management business of financial services to consumer, corporate, and institutional customers.
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The company operates through Commercial Banking, Investment Banking and Asset Management, Insurance, and Other Operations segments.
It also offers commercial and Islamic banking, including personal financial services, business & corporate banking, regional wealth management, global markets, and Islamic financial services.
In addition, the company engages in investment banking, stockbroking, and asset management activities, as well as being involved in life and general insurance, and takaful services; and management services.
Further, it offers treasury, equities, derivatives, and foreign exchange; investment banking, futures and stockbroking, and fund and unit trust management, and private banking services. Hong Leong Financial Group Berhad has operations in Malaysia, Cambodia, Vietnam, Singapore, Hong Kong, and China.
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 is a subsidiary of Hong Leong Company (Malaysia) Berhad (Hlcm).
Stock analysis
Hong Leong Financial Group Bhd (1082) currently trades at 17.62 MYR, while our model-based Fair Value estimate is 28.96 MYR, implying the stock looks roughly 39% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 32.02 MYR per share, and 4 of the 6 models we run sit above the 17.62 MYR price.
Bear case: the Dividend Discount group reads lowest at 7.67 MYR, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 24.01 MYR (bear) to 35.52 MYR (bull), the price of 17.62 MYR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Hong Leong Financial Group Bhd reported revenue of 14.1B MYR in FY2026 versus 8.3B MYR in FY2022, a compound +14.3%/yr. Reported net income was 3.4B MYR in FY2026, compounding +8.8%/yr from FY2022.
Key figures
Market cap 20.0B MYR (≈ $4.9B) Mid · P/E ratio 5.9 · P/S ratio 3.98 · EPS (TTM) 3.01 MYR · Dividend yield 4.5% · Net margin 45.7% · Return on equity 10.5% · Return on assets (EBIT) 1.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 64%, 1082 screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Hong Leong Financial Group Bhd with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Debt-to-equity by industry
- Price/FCF by industry
- Piotroski F-Score screener with fair value
- Valuation of the Malaysia market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs 1082 |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs 1082 |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs 1082 |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs 1082 |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs 1082 |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs 1082 |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs 1082 |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs 1082 |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs 1082 |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs 1082 |
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Key figures of Hong Leong Financial Group Bhd
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