Obermatt

Hong Leong Bank

KLS:HLBANK · MYL5819OO007
BanksMedium

360

87
Medium confidence — indicative
Profit price71
Cash yield51
Price/Sales10
EV / Gross Profit45
Price/Book54
Returns on capital68
Profit margins
Cash Conversion40
Accruals32
Owner Earnings Margin100
Sales growth39
Profit Growth47
Long-Term EPS Growth30
Owner Earnings Growth57
Reinvestment87
Price momentum51
Debt load68
Debt serviceability61
Liquidity32
Analyst ratings83
Opinion Changes37
Price Target Upside85
Market mood89
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Hong Leong Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryMalaysia
IndustryBanks
SizeMedium
TypePublic Company
ExchangeKLSE
Founded1905
Employees4,727
Websitehlb.com.my
ISINMYL5819OO007
Last UpdateApr 2, 2026
Index & Theme
Consumer LendingBankingCreditWealth Management

Description

Hong Leong Bank Berhad is a financial institution, providing a range of banking and financial services to meet the needs of its customers. Business Segments The company operates through various business segments, each designed to cater to specific…

Analysis

Bargain bin

Hong Leong Bank Berhad is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.3×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -3% a year, against analyst forecasts of 6%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is uncertain. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
73
2023202420252026

All-time high

73

Jun 2026

All-time low

3

Jan 2024

Average rank

33

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
10
11
7
13
Price/Earnings
61
46
36
29
Price/Book
54
55
56
42
Dividend Yield
51
38
36
43
Value (overall)
40
31
23
29

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →