Want to see SG:S41 full AI Analyst Report?
Hong Leong Finance Limited (S41) Share Price & Analysis
S41 Stock Chart & Stats
- Day’s Range
- SGD 2.39 - SGD 2.40
- 52-Week Range
- SGD 2.38 - SGD 2.80
- Previous Close
- SGD 2.39
- Volume
- N/A
- Average Volume (3M)
- 38.85K
- Market Cap
- SGD 1.08B
- Enterprise Value
- SGD 218.83M
- Total Cash (Recent Filing)
- SGD 903.24M
- Total Debt (Recent Filing)
- SGD 474.00K
- Price to Earnings (P/E)
- 11.0
- Beta
- 0.32
- Next Earnings
- N/A
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Aug 19, 2026
- Dividend Yield
- 3.77%
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet
Very low leverage across recent years indicates high capital resilience and loss-absorption capacity. A conservatively levered balance sheet supports continued lending, regulatory compliance and flexibility to fund growth or withstand credit stress without immediate external funding needs.
Sustained Profitability Margins
Mid-to-high teen net margins across recent years show persistent earnings power from core lending and fee activities. Sustainable margins help cover provisions and operating costs, support dividend capacity, and provide buffer versus cyclical earnings volatility in an already mature business model.
Strong 2025 Cash-flow Rebound
A large 2025 operating and free cash flow outcome, roughly matching net income, signals higher quality earnings and improved internal funding. Durable FCF enhances ability to fund lending, capital expenditures, dividends, and provisions without relying on external capital in the medium term.
Bears Say
Volatile Revenue Growth
Material revenue swings and an uneven top-line trajectory reduce predictability of future earnings and loan book expansion. For a deposit-taking lender, inconsistent revenue complicates pricing, provisioning and strategic planning, weakening visibility into sustainable growth drivers.
Inconsistent Cash-generation History
Repeated multi-year swings between negative and positive cash flows imply unstable internal funding capacity. That pattern elevates rollover and liquidity risk, complicates dividend and lending policies, and forces greater reliance on short-term balance-sheet management during down cycles.
Moderate Returns On Equity
Mid-single-digit ROE suggests limited capital efficiency versus peers, constraining long-term shareholder value creation. Modest returns reduce excess capital for reinvestment, may pressure dividend growth, and require either higher leverage or material business improvement to lift profitability sustainably.
Hong Leong Finance Limited News
S41 FAQ
What was Hong Leong Finance Limited’s price range in the past 12 months?
What is Hong Leong Finance Limited’s market cap?
When is Hong Leong Finance Limited’s upcoming earnings report date?
How were Hong Leong Finance Limited’s earnings last quarter?
Is Hong Leong Finance Limited overvalued?
Does Hong Leong Finance Limited pay dividends?
What is Hong Leong Finance Limited’s EPS estimate?
How many shares outstanding does Hong Leong Finance Limited have?
What happened to Hong Leong Finance Limited’s price movement after its last earnings report?
Which hedge fund is a major shareholder of Hong Leong Finance Limited?
What is the TipRanks Smart Score and how is it calculated?
Hong Leong Finance Limited Stock Smart Score
Company Description
Hong Leong Finance Limited
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Leng Beng Kwek
- Employees
- 636
- Website
- www.hlf.com.sg
- Address
- No. 01-05 Hong Leong Building, Singapore, CE, 048581, SG
Hong Leong Finance Limited (S41) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 3 | 4 | 3 |
| Moving Averages | 1 | 0 | 11 |
