Hong Leong Financial Group Bhd (1082) Fair Value & Analysis
Financial Services · MY · Market cap 21.1B MYR (≈ $5.2B) · ISIN MYL1082OO006
What is Hong Leong Financial Group Bhd really worth?
Below-average quality, trading 48% below our fair value of 36.78 MYR.
Strengths
Risks
For context
Fair value as of: Aug 14, 2026
From 6 valuation models · updated 22 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 +2.8% over the past month.
What runs behind every stock
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 19.00 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.
Analysis
Hong Leong Financial Group Bhd (1082) currently trades at 19.00 MYR, while our model-based Fair Value estimate is 36.78 MYR, implying the stock looks roughly 48.3% 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 19.00 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
Our scenario range runs from 27.58 MYR (bear case) to 45.97 MYR (bull case); at 19.00 MYR, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 17% below its 52-week high and 25% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 94%, 1082 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 12 months have passed since. In that time the company retained roughly 2.21 MYR per share, which is 6.0 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples (37.30 MYR) versus Dividend Discount (8.27 MYR). Highest evidence: Residual Income (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 37 · Market factors (momentum, volatility) 61
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.
of which total revenue +3.9 % · buybacks/dilution −0.5 %
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).
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Peer Group
Banks - Regional · 1071 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
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.
Insider activity: 40/100
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 (as of Aug 14, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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