Hong Leong Financial Group Bhd (1082) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Hong Leong Financial Group Bhd MYR 27.57, price MYR 18.92, upside +45.7%, quality 44 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? No
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Hong Leong Financial Group Bhd
1082 · KLSESpeculativeUpside exists, but weak quality makes the signal speculative.
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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 14.35 MYR – 22.60 MYR · fair‑value band 24.77 MYR – 44.11 MYR · the 18.92 MYR price screens below the 27.57 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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. The company operates through Commercial Banking, Investment Banking and Asset Management, Insurance, and Other Operations segments.
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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).
Stock analysis
Hong Leong Financial Group Bhd (1082) currently trades at 18.92 MYR, while our model-based Fair Value estimate is 27.57 MYR, implying the stock looks roughly 31.4% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 37.30 MYR per share, and 4 of the 6 models we run sit above the 18.92 MYR price.
Bear case: the Dividend Discount group reads lowest at 7.77 MYR, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 24.77 MYR (bear) to 44.11 MYR (bull), the price of 18.92 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 44/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
Key figures
Market cap 21.5B MYR (≈ $5.3B) · P/E ratio 6.4 · P/S ratio 1.72 · EPS (TTM) 2.95 MYR · Dividend yield 3.9% · Net margin 26.9% · Return on equity 10.5% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 46%, 1082 screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 37 · Market factors (momentum, volatility) 62
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 · 1074 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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 |
|---|---|---|---|
| DBS Group D05 | 77.80 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.65 | HK$64.29 | +24% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹738.60 | ₹418.52 | −43% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹636.31 | −53% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Hong Leong Financial Group Bhd
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