Hong Leong Finance Balance Sheet Health
Financial Health criteria checks 5/6
Hong Leong Finance has total assets of SGD14.6B and total equity of SGD2.1B. Total deposits are SGD12.3B, and total loans are SGD11.7B earning a Net Interest Margin of 1.6%. It has insufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are SGD772.0M.
Key information
6.9x
Asset to equity ratio
1.6%
Net interest margin
| Total deposits | S$12.30b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.5% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | S$772.05m |
Recent financial health updates
No updates
Recent updates
Hong Leong Finance's (SGX:S41) Dividend Will Be SGD0.09
Feb 28
Hong Leong Finance (SGX:S41) Is Paying Out Less In Dividends Than Last Year
Aug 08Is Now The Time To Put Hong Leong Finance (SGX:S41) On Your Watchlist?
May 16Hong Leong Finance (SGX:S41) Will Pay A Dividend Of SGD0.0375
Aug 07Hong Leong Finance (SGX:S41) Will Pay A Larger Dividend Than Last Year At S$0.083
Mar 30Looking For Steady Income For Your Dividend Portfolio? Is Hong Leong Finance Limited (SGX:S41) A Good Fit?
Apr 13Hong Leong Finance's (SGX:S41) Stock Price Has Reduced 11% In The Past Three Years
Mar 04Do Institutions Own Hong Leong Finance Limited (SGX:S41) Shares?
Jan 28
Could Hong Leong Finance Limited (SGX:S41) Have The Makings Of Another Dividend Aristocrat?
Dec 24Hong Leong Finance (SGX:S41) Share Prices Have Dropped 11% In The Last Three Years
Nov 24Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: S41's Assets to Equity ratio (6.9x) is low.
Allowance for Bad Loans: S41 has a low allowance for bad loans (32%).
Low Risk Liabilities: 98% of S41's liabilities are made up of primarily low risk sources of funding.
Loan Level: S41 has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: S41's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: S41 has an appropriate level of bad loans (0.5%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/03/16 20:58 |
| End of Day Share Price | 2025/03/14 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Hong Leong Finance Limited is covered by 7 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Wee Siang Ng | BNP Paribas Securities (Asia) |
| Sanjay Jain | Credit Suisse |
| Tabitha Foo | DBS Bank Ltd |