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HONG LEONG FINANCE LIMITED (S41) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of HONG LEONG FINANCE LIMITED S$2.09, price S$2.44, upside -14.3%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? No
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Financial Services · SG · ISIN SG1M04001939

HL Some data Sep 27, 2026

HONG LEONG FINANCE LIMITED

S41 · SG

Weak valuationQuality is weak on top of the rich price.

!Fair value 2.09 SGD · Overvalued (−14.3%)

!Quality 48/100

!Weak Growth (revenue 5y +2.9 %/yr)

✓Highly profitable · 33.6% net margin (TTM)

!Low debt · negative free cash flow

!3.7% dividend yield · Watch coverage

!Mixed vs. peers (6/13)

!Moderate moat 62/100

!Evidence only medium, so the estimate is less certain

!Weak on valuation: 14 out of 100

!Weak on past: 12 out of 100

26 models, one by oneBear 1.57 SGD to bull 2.61 SGD Growth analysisrevenue history, year by year Quality 48/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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 27, 2026.

How to read this chart

60‑month range 1.84 SGD – 2.67 SGD · fair‑value band 1.57 SGD – 2.61 SGD · the 2.44 SGD price screens above the 2.09 SGD fair value. Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

Hong Leong Finance Limited operates as a financial services company for consumer, and small and medium-sized enterprises (SMEs) markets in Singapore.

Hong Leong Finance Limited operates as a financial services company for consumer, and small and medium-sized enterprises (SMEs) markets in Singapore. The company offers a range of deposits and savings, which includes fixed deposit and saving accounts, saving accounts, and premium saver accounts, as well as silver 40 plus and golden 55 plus accounts; and business current accounts, fixed deposit and saving accounts, fixed saving accounts, and premium saver accounts. It also provides personal loans, including car and home loans, private property loan, mortgage equity, credit plus share loan, premium, and share financing, as well as HLF digital and safe deposit box personal services. In addition, the company offers corporate finance services, including corporate finance advisory services, such as capital restructuring, project and investment evaluation, financial advisory, mergers and acquisitions, independent financial advisory; and equity capital market and fund-raising services comprising initial public offering, secondary and dual listings, reverse takeovers and rights issues and private placements. Further, it provides SME loans, which includes equipment and commercial vehicle; vehicle and charger green loans; new clinic and clinic expansion loan, medical, dental equipment, dental property loan, and working capital loan for medical practitioners; commercial property plus and property development loan; working capital loans, accounts receivable financing, BizCap, revolving working capital, suppliers' invoice financing, and letters of credit; government assistance schemes, SME working capital, and trade loans. Additionally, the company offers corporate finance advisory services, and deposits and business current account, as well as eGuarantee services. The company was formerly known as Singapore Finance Limited. Hong Leong Finance Limited was incorporated in 1961 and is based in Singapore.

Stock analysis

HONG LEONG FINANCE LIMITED (S41) currently trades at 2.44 SGD, while our model-based Fair Value estimate is 2.09 SGD, 14.3% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Economic Profit group reads highest at a median of 3.17 SGD per share, and 2 of the 6 models we run sit above the 2.44 SGD price.

Bear case: the Dividend Discount group reads lowest at 1.06 SGD, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: 1.57 SGD (bear) to 2.61 SGD (bull), the price of 2.44 SGD sits inside 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 48/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

HONG LEONG FINANCE LIMITED reported revenue of 183M SGD in FY2025 versus 189M SGD in FY2021, a compound −0.8%/yr. Reported net income was 62.7M SGD in FY2025, compounding −7.3%/yr from FY2021.

Key figures

Market cap 1.1B SGD (≈ $858M) · P/E ratio 16.3 · P/S ratio 5.56 · EPS (TTM) 0.1500 SGD · Dividend yield 3.7% · Net margin 34.2% · Return on equity 3.1% · Return on assets (EBIT) 0.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −14%, S41 screens cheaper than that median.

Fair Value models

Bear 1.57 SGD Fair Value 2.09 SGD Bull 2.61 SGD

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.0454 SGD per share) are deliberately not added. Bear ⓘ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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Highest evidence

Residual Income 3.25 SGD 3.17 SGD 3.17 SGD 76

Gordon GGM 0.9900 SGD 1.06 SGD 1.18 SGD 69

DDM Multi-Stage 0.9900 SGD 1.18 SGD 1.42 SGD 67

All 6 models by family

Dividend Discount

Gordon GGM 0.9900 SGD 1.06 SGD 1.18 SGD 69

DDM Multi-Stage 0.9900 SGD 1.18 SGD 1.42 SGD 67

Multiples

P/E Multiple 1.36 SGD 1.81 SGD 2.26 SGD 63

P/B Multiple 1.78 SGD 2.37 SGD 2.96 SGD 55

Asset-Based

NCAV (Graham) 2.35 SGD 3.15 SGD 4.70 SGD 54

Economic Profit

Residual Income 3.25 SGD 3.17 SGD 3.17 SGD 76

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Quality Score breakdown

Overall quality 48/100

Of which business quality 38 · Market factors (momentum, volatility) 52

Profitability 30

Margins and returns on capital today

Quality Growth 49

Are margins and returns improving?

Cashflow 0

Earnings quality: real cash, not paper profit

Fin. Strength 19

Balance sheet, leverage, solvency risk

Investment 96

Disciplined investing over empire-building

Low Volatility 100

Calm price path (market factor)

Momentum 39

Price trend over the last 3–12 months (market factor)

52W Momentum 18

Distance to the 52-week high (market factor)

Net Issuance 80

Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 31/100

Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Revenue growth 1 year

−21.4%

Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.

−10.8%

Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.

+2.9%

Start year 2020 (pandemic). Over 10 years: +0.3% a year

Revenue growth 12 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.

+0.8%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

−2.2%

Earnings growth per share plus dividend.

Earnings per share, growth per year−5.9%

Dividend (yield on the price)3.7%

Pace: 5 vs 10 years ⓘ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.−5.9% vs 1.6%, slowing

Profit margin 2014 to 2019 ⓘ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.48% → 58%

Start year 2020 (pandemic)

S41 screens overvalued: fair value 14% below the price. Compare with DBS Group →

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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 · 1053 stocks

Beats the industry median on 6/13 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 47 · Below median

Fair Value upside −14.3% · Above median

Profitability

Return on equity (TTM) 3.1% · Bottom 25%

Return on assets 0.4% · Bottom 25%

Net margin (TTM) 33.6% · Above median

Operating margin (TTM) 39.4% · Below median

Growth and dividend

Revenue growth 7.5% · Below median

Dividend yield (TTM) 3.7% · Above median

Balance sheet

Debt / equity 0.00× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 16.3× · Priciest 25%

P/B 0.52× · Cheapest 25%

P/S (TTM) 5.62× · Priciest 25%

PEG 1.23× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)14 · sector 12

FUTURE (revenue growth)38 · sector 47

PAST (return on equity)12 · sector 41

HEALTH (low debt)100 · sector 84

DIVIDEND (yield)74 · sector 52

Context: sector, industry, market

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.

Stock	Price	Fair Value	vs Fair Value
DBS Group D05	78.00 SGD	40.39 SGD	−48%
China Merchants Bank Co 600036	¥40.69	¥52.73	+30%
UniCredit S.p.A UCG	€79.53	€77.12	−3%
Mizuho Financial Group MFG	$11.05	$6.82	−38%
Intesa Sanpaolo S.p.A ISP	€6.38	€4.06	−36%
BNP Paribas SA BNP	€91.54	€105.99	+16%
HDFC Bank Limited HDFCBANK	₹721.20	₹406.44	−44%
Oversea-Chinese Banking Corporation O39	32.01 SGD	19.78 SGD	−38%
Al Rajhi Banking and Investment Corporation 1120	63.15 SAR	36.95 SAR	−41%
CaixaBank, S.A CABK	€12.03	€8.46	−30%

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HONG LEONG FINANCE LIMITED · Fair Value
2.09 SGD −14%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/S41" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">HONG LEONG FINANCE LIMITED · Fair Value</span><br><b style="font-size:20px">2.09 SGD</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−14%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "HONG LEONG FINANCE LIMITED Fair Value". https://www.fairvalue-calculator.com/stock/S41

Frequently asked questions

Is HONG LEONG FINANCE LIMITED (S41) overvalued or undervalued?

As of Sep 27, 2026, our model estimates a fair value of 2.09 SGD versus a price of 2.44 SGD, about −14% upside (overvalued).

What is the fair value of S41?

Our model-based fair value for HONG LEONG FINANCE LIMITED is 2.09 SGD (as of Sep 27, 2026), built from audited fundamentals. The current price: 2.44 SGD.

What is the quality score of S41?

HONG LEONG FINANCE LIMITED has a Quality Score of 48/100. 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 FINANCE LIMITED (S41)?

Our model-based price target is the fair value of 2.09 SGD (as of Sep 27, 2026) from 6 valuation models. Cautious scenario 1.57 SGD, optimistic scenario 2.61 SGD. It is a calculation from audited fundamentals, not an analyst target.

What is the HONG LEONG FINANCE LIMITED stock forecast for 2026?

Our models put fair value at 2.09 SGD, about −14% upside versus a price of 2.44 SGD (overvalued). Cautious scenario 1.57 SGD, optimistic scenario 2.61 SGD. The calculation is refreshed regularly with new filings.

What is the revenue of HONG LEONG FINANCE LIMITED (S41)?

HONG LEONG FINANCE LIMITED reported trailing-twelve-month revenue of about 195M SGD (latest available figure, as of Sep 27, 2026).

Does HONG LEONG FINANCE LIMITED pay a dividend?

HONG LEONG FINANCE LIMITED currently shows a dividend yield of about 3.69% relative to its recent price (as of Sep 27, 2026).

What is the intrinsic value of HONG LEONG FINANCE LIMITED (S41)?

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 FINANCE LIMITED it is 2.09 SGD per share (as of Sep 27, 2026), against a price of 2.44 SGD. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).

Is HONG LEONG FINANCE LIMITED stock overvalued or undervalued in 2026?

As of Sep 27, 2026, S41 trades above its calculated fair value: price 2.44 SGD, fair value 2.09 SGD, a gap of about −14% (overvalued). 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 S41?

No. The price is what the market pays today (2.44 SGD); the fair value is what the company's own numbers justify (2.09 SGD). For HONG LEONG FINANCE LIMITED the two are 0.3500 SGD per share apart. That gap is exactly why we show both numbers side by side.

How much is HONG LEONG FINANCE LIMITED worth?

The market values HONG LEONG FINANCE LIMITED at about 1.1B SGD (market capitalisation, as of Sep 27, 2026). Per share that is 2.44 SGD; our models calculate a fair value of 2.09 SGD per share.

What do the bullish and bearish scenarios say about S41?

Our models span a range for HONG LEONG FINANCE LIMITED: cautious scenario 1.57 SGD, base 2.09 SGD, optimistic 2.61 SGD per share (as of Sep 27, 2026, price 2.44 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of S41?

HONG LEONG FINANCE LIMITED trades at a price-to-earnings ratio of 16.3 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2.09 SGD is built from several models across several years. Other multiples: PEG 1.2, P/B 0.5, P/S 5.6.

What is the PEG ratio of S41?

The PEG ratio of HONG LEONG FINANCE LIMITED is 1.23 (P/E divided by earnings growth, as of Sep 27, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of HONG LEONG FINANCE LIMITED (S41)?

Balance-sheet figures for HONG LEONG FINANCE LIMITED (as of Sep 27, 2026): return on equity 3.1%, debt of 0.00 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.

How far is S41 from its 52-week high?

HONG LEONG FINANCE LIMITED trades at 2.44 SGD, about 9% below its 52-week high of 2.67 SGD and 1% above the low of 2.42 SGD (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 2.09 SGD is for.

Which stocks are comparable to HONG LEONG FINANCE LIMITED?

From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, 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 FINANCE LIMITED stock attractive at the current price?

The data as of Sep 27, 2026: price 2.44 SGD, calculated fair value 2.09 SGD (−14%), Quality Score 48/100, 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 S41 calculated?

We run HONG LEONG FINANCE LIMITED 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 2.09 SGD, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 14.5 % above its aggregate fair value. HONG LEONG FINANCE LIMITED itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of HONG LEONG FINANCE LIMITED (S41)?

The closing price on Oct 2, 2026 was 2.44 SGD. Our model-based fair value is 2.09 SGD, about −14% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with HONG LEONG FINANCE LIMITED right now?

Solid but not exceptional quality (48/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of HONG LEONG FINANCE LIMITED

How large is the market capitalisation of HONG LEONG FINANCE LIMITED (S41)?

The market capitalisation of HONG LEONG FINANCE LIMITED is 1.1B SGD (≈ $858M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of HONG LEONG FINANCE LIMITED (S41)?

The price-to-sales ratio of HONG LEONG FINANCE LIMITED is 5.56 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of HONG LEONG FINANCE LIMITED (S41)?

Earnings per share at HONG LEONG FINANCE LIMITED are 0.1500 SGD (price ÷ EPS = P/E 16.3). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of HONG LEONG FINANCE LIMITED (S41)?

The dividend yield of HONG LEONG FINANCE LIMITED is 3.7% (payout 60.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of HONG LEONG FINANCE LIMITED (S41)?

The net margin of HONG LEONG FINANCE LIMITED is 34.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of HONG LEONG FINANCE LIMITED (S41)?

The return on equity (ROE) of HONG LEONG FINANCE LIMITED is 3.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of HONG LEONG FINANCE LIMITED (S41)?

On an EBIT basis the return on assets of HONG LEONG FINANCE LIMITED is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of HONG LEONG FINANCE LIMITED (S41)?

The operating margin of HONG LEONG FINANCE LIMITED is 39.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at HONG LEONG FINANCE LIMITED (S41)?

Revenue at HONG LEONG FINANCE LIMITED is growing +7.5% versus a year earlier (3y avg −10.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at HONG LEONG FINANCE LIMITED (S41)?

Earnings per share at HONG LEONG FINANCE LIMITED are growing +8.5% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does HONG LEONG FINANCE LIMITED (S41) generate?

The free cash flow of HONG LEONG FINANCE LIMITED is −190M SGD (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

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