---
title: "Hong Leong Finance Limited (S41.SG)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/S41.SG.md"
symbol: "S41.SG"
name: "Hong Leong Finance Limited"
industry: "Consumer Finance"
datetime: "2026-05-19T21:43:50.342Z"
locales:
  - [en](https://longbridge.com/en/quote/S41.SG.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/S41.SG.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/S41.SG.md)
---

# Hong Leong Finance Limited (S41.SG)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | SG Market |
| Website | [www.hlf.com.sg](https://www.hlf.com.sg) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: D
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:11.000Z

**Overall: D (0.65)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 4 / 4 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: D

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -19.64% |  |
| Net Profit YoY | -39.74% |  |
| P/B Ratio | 0.53 |  |
| Dividend Ratio | 7.53% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1127411603.45 |  |
| Revenue | 187387183.13 |  |

#### Multi Score Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 2.97% | C |
| Profit Margin | 33.41% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | -19.64% | E |
| Net Profit YoY | -39.74% | D |
| Total Assets YoY | 0.88% | C |
| Net Assets YoY | 0.40% | C |
| Cash Flow Margin | -295.51% | E |
| OCF YoY | -19.64% | E |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Hong Leong Finance Limited",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-19.64%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "-39.74%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.53",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "7.53%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "1127411603.45",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "187387183.13",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "D",
      "indicators": [
        {
          "name": "ROE",
          "value": "2.97%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "33.41%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "-19.64%",
          "rating": "E"
        },
        {
          "name": "Net Profit YoY",
          "value": "-39.74%",
          "rating": "D"
        },
        {
          "name": "Total Assets YoY",
          "value": "0.88%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "0.40%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-295.51%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "-19.64%",
          "rating": "E"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 18.01 | 4/4 | 18.08 | 14.06 | 11.72 |
| PB | 0.53 | 2/4 | 0.57 | 0.56 | 0.54 |
| PS (TTM) | 6.02 | 4/4 | 6.04 | 5.49 | 5.22 |
| Dividend Yield | 7.53% | 1/4 | 5.46% | 4.95% | 4.87% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | ValueMax (T6I.SG) | B | B | C | D | C | C |
| 02 | Sing Inv & Fin (S35.SG) | B | B | E | E | C | C |
| 03 | Spura Finance (S23.SG) | B | B | E | E | A | C |
| 04 | Hong Leong Fin (S41.SG) | C | D | E | A | E | D |

## Institutional View

### Analyst Rating Distribution

> As of 2026-01-29T16:00:00.000Z

Total Analysts: **1**

| Rating | Count | Percentage |
|--------|-------|-----------| 

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 2.51 |
| Highest Target | 3.20 |
| Lowest Target | 3.20 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/S41.SG/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/S41.SG/norm.md)
- [Related News](https://longbridge.com/en/quote/S41.SG/news.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**