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Hong Leong Finance Limited

Hong Leong Finance Limited

SSGX:S41
2.39
SGD
-0.02
(-0.83%)
1.11BMarket Cap
Feb 24Next Earn
Hong Leong Finance Limited
SGX:S41
(Singapore Exchange)

Recent

price

2.39

P/E

ratio

- -

div

yld

6.26%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
SGD
0.45
0.39
0.38
0.37
0.36
0.39
0.34
0.43
0.51
0.48
0.35
0.42
0.58
0.47
0.52
0.41
- -
Revenue per Share
0.28
0.23
0.18
0.16
0.14
0.16
0.12
0.19
0.27
0.23
0.14
0.19
0.29
0.21
0.23
0.14
- -
Basic EPS, GAAP
-0.05
-1.11
1.56
-0.79
0.17
1.07
-0.6
-0.16
0.96
-0.86
-0.74
-0.15
0.39
1.51
-0.69
-0.42
- -
Free Cash Flow per Basic Share
0.1
0.12
0.12
0.12
0.12
0.1
0.1
0.1
0.14
0.15
0.14
0.09
0.12
0.17
0.13
0.13
0.15
Dividend per Share
3.52
3.63
3.68
3.72
3.74
3.8
3.82
3.91
4.2
4.28
4.29
4.38
4.55
4.59
4.7
4.71
4.26
Book Value per Share
3.52
3.63
3.68
3.72
3.74
3.8
3.82
3.91
4.2
4.28
4.29
4.38
4.55
4.59
4.7
4.71
4.26
Tangible Book Value per Share
440
440
441
442
443
444
444
445
446
447
448
448
448
448
449
449
447
Basic Weighted Avg Shares
199
173
168
165
162
175
149
190
228
216
157
189
259
212
233
183
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
2
2
3
3
4
4
4
2
8
8
8
8
8
8
9
- -
Depreciation Expense
122
100
78
70
63
73
53
86
118
103
64
85
131
93
104
63
- -
Net Income, GAAP
16.65
16.63
1.26
16.98
17.1
16.04
17.11
16.76
16.74
16.84
14.47
16.8
16.7
16.65
16.58
16.94
- -
Effective Tax Rate (%)
61.14
57.67
46.22
42.54
38.88
41.68
35.51
45.2
51.96
47.8
40.59
44.78
50.58
43.98
44.62
34.19
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
4
2
2
2
1
1
5
4
48
42
37
34
43
45
41
- -
LT Debt
1,549
1,598
1,625
1,646
1,659
1,688
1,697
1,742
1,874
1,914
1,918
1,963
2,041
2,060
2,108
2,116
1,906
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
8.08
6.33
4.8
4.28
3.8
4.35
3.13
4.97
6.53
5.37
3.26
4.28
6.42
4.47
4.89
2.91
- -
Return on Capital (%)
8.08
6.34
4.81
4.28
3.8
4.35
3.14
4.98
6.55
5.44
3.34
4.37
6.54
4.55
4.99
2.97
- -
Return on Common Equity (%)

Capital Structure

SGD

•

in mil. unless spec.
Sep'19
Dec'19
Jun'20
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
447
448
448
Market Capitalization
1,159
1,195
1,114

Working Capital

SGD

•

in mil. unless spec.
Sep'19
Dec'19
Jun'20
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,273
1,288
1,188
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SGD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.31%
1.99%
0.4%
Free Cash Flow
-148.21%
-68.7%
-38.41%
Net Income, GAAP
5.16%
6.02%
-39.74%
Sales/Revenue/Turnover
2.77%
5.5%
-21.36%
Total Cash Common Dividend
5.23%
2.85%
0.04%

Semi-annual Revenue

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
233
2025
- -
- -
183
2026
- -
- -
- -

Semi-annual Earnings Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.23
2025
- -
- -
0.14
2026
- -
- -
- -

Semi-annual Dividends Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.13
2025
- -
- -
0.13
2026
- -
- -
- -
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Business
Hong Leong Finance Limited is a Singapore-based financial services company providing a comprehensive range of financial products and services primarily targeting consumer and small and medium-sized enterprise (SME) markets. Its core offerings include hire purchase financing, leasing, factoring, mortgages and home loans, car loans, share financing, SME loans such as accounts receivable financing, stock financing, equipment and commercial vehicle financing, property and working capital loans, vehicle fleet financing, green vehicle loans, and enterprise finance schemes including SME fixed assets and working capital loans. The company also provides fixed deposit and savings accounts, premium saver accounts, and secure digital financial services. Hong Leong Finance operates a network of 28 branches and 12 SME Centres across Singapore and is noted for its specialization in SME services, including corporate advisory and business current accounts. Founded in 1961 and headquartered in Singapore, Hong Leong Finance has progressively expanded its capabilities and product suite to support both individual and business financial needs, earning recognition as Singapore's largest finance company. Recently, it has introduced Singapore's first green loan for vehicle rental companies, launched a digital finance app offering 24/7 secured financial transactions, and established a dedicated SME Centre in Punggol. The company has reported a 3.2% profit increase in the first half of 2025 to S$46.57 million and declared interim dividends. Hong Leong Finance also continues to foster government-backed financing schemes and strategic partnerships to enhance its SME support and overall financial offerings. The company is part of the broader Hong Leong Group, with its strategic focus on deepening its SME market penetration and leveraging digital technologies to improve customer experience and operational efficiency. These recent initiatives reflect its commitment to sustainability financing, digital transformation, and expanding its role as a key financial enabler for SMEs in Singapore and beyond. Hong Leong Finance remains a pivotal player in Singapore's finance sector through its diversified lending portfolio, deposit-taking services, and service innovations tailored to evolving market demands.