Hong Leong Financial Group Bhd (1082) fair value: what the stock is really worth
We calculate from audited financials what Hong Leong Financial Group Bhd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
Watch it or check another stockalert when fair value or trend changes
Financial Services · MY · Market cap 21.6B MYR (≈ $5.3B) · ISIN MYL1082OO006
At a glance
HLHong Leong Financial Group Bhd1082 · KLSE
Price19.04 MYR
Fair Value36.78 MYR
Upside+93.2%
Quality44/100
Below-average quality, trading 48% below our fair value of 36.78 MYR.
As of Aug 14, 2026, the fair value of Hong Leong Financial Group Bhd is 36.78 MYR per share against a price of 19.04 MYR, so the fair value sits 93% above the price. A model estimate from reported figures, not an analyst target.
!Expensive Growth (revenue 5y +6.6 %/yr)
✓Highly profitable · 46.4% net margin
!Low debt · negative free cash flow
·3.89% dividend yield
✓Ranks above peers (11/13)
✓Wide moat 67/100
!Evidence only medium, so the estimate is less certain
Evidence: MediumRange 27.58 MYR to 45.97 MYR
Fair value as of: Aug 14, 2026
From 6 valuation models · updated 27 days ago
Fair value updated Aug 14, 2026, revised from 37.20 MYR to 36.78 MYR (−1.1%) since Jul 12, 2026. Share price +2.5% over the past month.
This is the short version. In the app for Hong Leong Financial Group Bhd:
Watch Hong Leong Financial Group Bhd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for free
69 individual criteria per stock, every one traceable See the method →
What matters now
The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain.
The price is below even our cautious bear case (27.58 MYR). The market is more pessimistic than our downside scenario.
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 14, 2026.
How to read this chart
60‑month range 14.16 MYR – 22.60 MYR · fair‑value band 27.58 MYR – 45.97 MYR · the 19.04 MYR price screens below the 36.78 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 14, 2026.
Hong Leong Financial Group Bhd (1082) currently trades at 19.04 MYR, while our model-based Fair Value estimate is 36.78 MYR, implying the stock looks roughly 48.2% undervalued today. The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 37.30 MYR per share, and 3 of the 6 models we run sit above the 19.04 MYR price. Bear case: the Dividend Discount group reads lowest at 8.27 MYR, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Hong Leong Financial Group Bhd generated revenue of 7.2B MYR at a net margin of 46.4%. Revenue declined 2.2% year over year. It earns a return on equity of 10.5%. The balance sheet holds a net cash position of 14.4B MYR. Fundamentals as of Aug 14, 2026
Scenario range: 27.58 MYR (bear) to 45.97 MYR (bull), the price of 19.04 MYR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 17% below its 52-week high and 26% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 93%, 1082 screens cheaper than that median.
Fair Value models
Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (2.21 MYR per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence
Highest evidence
Residual Income best evidence24.95 MYR27.86 MYR46.27 MYR74
Gordon GGM5.16 MYR10.73 MYR17.02 MYR66
DDM Multi-Stage5.16 MYR8.27 MYR11.26 MYR66
All 6 models by family
Dividend Discount
Gordon GGM5.16 MYR10.73 MYR17.02 MYR66
DDM Multi-Stage5.16 MYR8.27 MYR11.26 MYR66
Multiples
P/E Multiple27.98 MYR37.30 MYR46.63 MYR63
P/B Multiple29.76 MYR39.68 MYR49.60 MYR55
Asset-Based
NCAV (Graham)14.17 MYR18.99 MYR28.34 MYR54
Economic Profit
Residual Income best evidence24.95 MYR27.86 MYR46.27 MYR74
Widest divergence: Multiples (37.30 MYR) versus Dividend Discount (8.27 MYR). Highest evidence: Residual Income (74).
Notify me when 1082 reaches fair value
Put 1082 on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
P/E ratio6.5
P/S ratio1.73P/E × margin
EPS (TTM)2.95 MYRprice ÷ EPS = P/E 6.5
Dividend yield3.9%payout 25.1%
Net margin26.9%FY2025
Return on equity10.5%TTM
More key figures
Profitability
Return on assets (EBIT)1.7%avg 5y
Operating margin60.9%TTM
Growth
Revenue (TTM)7.2B MYRTTM
Revenue growth (YoY)−2.2%3y avg +13.5%
EPS growth (YoY)+4.8%
Balance sheet & cash flow
Free cash flow−2.1B MYRFY2025
Net cash14.4B MYRFY2025
Figures from reported company fundamentals · as of Aug 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality44/100
Of which business quality 37
· Market factors (momentum, volatility) 61
Profitability35
Margins and returns on capital today
Quality Growth51
Are margins and returns improving?
Cashflow0
Earnings quality: real cash, not paper profit
Fin. Strength18
Balance sheet, leverage, solvency risk
Investment71
Disciplined investing over empire-building
Low Volatility97
Calm price path (market factor)
Momentum43
Price trend over the last 3–12 months (market factor)
52W Momentum50
Distance to the 52-week high (market factor)
Net Issuance82
Buybacks instead of dilution
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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. The company operates through Commercial Banking, Investment Banking and Asset Management, Insurance, and Other Operations segments.
Full company description
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. 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).
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Hong Leong Financial Group Bhd reported revenue of 12.1B MYR in FY2025 versus 8.4B MYR in FY2021, a compound +9.6%/yr. Reported net income was 3.3B MYR in FY2025, compounding +9.5%/yr from FY2021.
Growth Quality 46/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
12.1B MYR
Latest YoY
+3.8%
Avg. revenue growth/yr (3Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+13.5%
Avg. revenue growth/yr (5Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+6.6%
Avg. revenue growth/yr (20Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+10.5%
Value creation/yr (5Y, in MYR) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. Measured in MYR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+15.2%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+11.3%
Dividend yield3.9%
Trend ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5Y 11.3% vs 10Y 6.6%, picking up
Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.37.5% (2020) → 50.4% (2025) · rising
Worst earnings drop31% (2012) · in MYR
Revenue+9.6%/yr
FY218.4B MYR
FY228.3B MYR
FY2310.4B MYR
FY2411.7B MYR
FY2512.1B MYR
Net income+9.5%/yr
FY212.3B MYR
FY222.5B MYR
FY232.9B MYR
FY243.2B MYR
FY253.3B MYR
Character of growth · EPS growth decomposed (2014-2025)+7.4 % p.a.
Revenue per share+3.4 %
of which total revenue +3.9 % · buybacks/dilution −0.5 %
EBIT margin+3.9 %
Tax rate−0.1 %
Residual (interest, one-offs)+0.1 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
This stockSector peers
VALUE100· sector 33
FUTURE0· sector 44
PAST42· sector 41
HEALTH89· sector 85
DIVIDEND78· sector 52
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 14, 2026).
Is Hong Leong Financial Group Bhd (1082) overvalued or undervalued?
As of Aug 14, 2026, our model estimates a fair value of 36.78 MYR versus a price of 19.04 MYR, about +93% upside (undervalued).
What is the fair value of 1082?
Our model-based fair value for Hong Leong Financial Group Bhd is 36.78 MYR (as of Aug 14, 2026), built from audited fundamentals. The current price: 19.04 MYR.
What is the quality score of 1082?
Hong Leong Financial Group Bhd has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Hong Leong Financial Group Bhd (1082)?
Our model-based price target is the fair value of 36.78 MYR (as of Aug 14, 2026) from 6 valuation models. Cautious scenario 27.58 MYR, optimistic scenario 45.97 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Hong Leong Financial Group Bhd stock forecast for 2026?
Our models put fair value at 36.78 MYR, about +93% upside versus a price of 19.04 MYR (undervalued). Cautious scenario 27.58 MYR, optimistic scenario 45.97 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Hong Leong Financial Group Bhd (1082)?
Hong Leong Financial Group Bhd reported trailing-twelve-month revenue of about 7.2B MYR (latest available figure, as of Aug 14, 2026).
What is the net profit margin of 1082?
The net profit margin of Hong Leong Financial Group Bhd is about 46.4%, meaning it keeps roughly 46.4% of revenue as net income. Based on the latest reported figures.
Does Hong Leong Financial Group Bhd pay a dividend?
Hong Leong Financial Group Bhd currently shows a dividend yield of about 3.89% relative to its recent price (as of Aug 14, 2026).
What is the intrinsic value of Hong Leong Financial Group Bhd (1082)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hong Leong Financial Group Bhd it is 36.78 MYR per share (as of Aug 14, 2026), against a price of 19.04 MYR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Hong Leong Financial Group Bhd stock overvalued or undervalued in 2026?
As of Aug 14, 2026, 1082 trades below its calculated fair value: price 19.04 MYR, fair value 36.78 MYR, a gap of about +93% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 1082?
No. The price is what the market pays today (19.04 MYR); the fair value is what the company's own numbers justify (36.78 MYR). For Hong Leong Financial Group Bhd the two are 17.74 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Hong Leong Financial Group Bhd worth?
The market values Hong Leong Financial Group Bhd at about 21.6B MYR (market capitalisation, as of Aug 14, 2026). Per share that is 19.04 MYR; our models calculate a fair value of 36.78 MYR per share.
What do the bullish and bearish scenarios say about 1082?
Our models span a range for Hong Leong Financial Group Bhd: cautious scenario 27.58 MYR, base 36.78 MYR, optimistic 45.97 MYR per share (as of Aug 14, 2026, price 19.04 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1082?
Hong Leong Financial Group Bhd trades at a price-to-earnings ratio of 6.5 (as of Aug 14, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 36.78 MYR is built from several models across several years. Other multiples: PEG 1.3, P/B 0.2, P/S 0.7.
What is the PEG ratio of 1082?
The PEG ratio of Hong Leong Financial Group Bhd is 1.32 (P/E divided by earnings growth, as of Aug 14, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Hong Leong Financial Group Bhd (1082)?
Balance-sheet figures for Hong Leong Financial Group Bhd (as of Aug 14, 2026): return on equity 10.5%, debt of 0.23 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is 1082 from its 52-week high?
Hong Leong Financial Group Bhd trades at 19.04 MYR, about 17% below its 52-week high of 22.86 MYR and 26% above the low of 15.15 MYR (as of Aug 14, 2026). Distance from the high says nothing about value: that is what the fair value of 36.78 MYR is for.
Which stocks are comparable to Hong Leong Financial Group Bhd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Hong Leong Financial Group Bhd stock attractive at the current price?
The data as of Aug 14, 2026: price 19.04 MYR, calculated fair value 36.78 MYR (+93%), Quality Score 44/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 1082 calculated?
We run Hong Leong Financial Group Bhd through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 36.78 MYR, with the spread shown as a cautious and an optimistic scenario.
Free · no account needed
Watch Hong Leong Financial Group Bhd in the live analysis
One click puts Hong Leong Financial Group Bhd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
