Hong Leong Finance Limited (S41) Fair Value & Analysis
Financial Services · SG · Market cap 1.1B SGD
Fair value as of: Jul 4, 2026
From 15 valuation models · updated yesterday
Share price −0.4% over the past month.
Price vs Fair Value (12 months)
12‑month range 2.45 SGD – 2.70 SGD · fair‑value band 1.36 SGD – 2.27 SGD · the 2.49 SGD price screens above the 1.81 SGD fair value. As of Jul 4, 2026.
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Hong Leong Finance Limited (S41) currently trades at 2.49 SGD, while our model-based Fair Value estimate is 1.81 SGD — implying the stock looks roughly 27.3% overvalued today. We read business quality at 51/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Hong Leong Finance Limited generated revenue of 188M SGD at a net margin of 33.4%. Revenue declined 23.3% year over year. It earns a return on equity of 3.0%. The stock trades on a trailing P/E of 17.8. Fundamentals as of Jul 4, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.
About the company
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 …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.