Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Hong Leong Finance's Enterprise Value is S$321.4 Mil.
Hong Leong Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was S$-190.4 Mil. Therefore, Hong Leong Finance's EV-to-FCF for today is -1.69.
The historical rank and industry rank for Hong Leong Finance's EV-to-FCF or its related term are showing as below:
SGX:S41'
s EV-to-FCF Range Over the Past 10 Years
Min: -5.54 Med: -0.48 Max: 3.47
Current: -1.64
During the past 13 years, the highest EV-to-FCF of Hong Leong Finance was 3.47. The lowest was -5.54. And the median was -0.48.
SGX:S41's EV-to-FCF is ranked worse than 100% of 1197
companies
in the Banks industry
Industry Median: 7.25
vs SGX:S41: -1.64
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Hong Leong Finance (SGX:S41) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Hong Leong Finance's PE Ratio (TTM) for today is calculated as:
Hong Leong Finance's share price for today is S$2.51.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hong Leong Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was S$0.280.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Hong Leong Finance EV-to-FCF Related Terms
Hong Leong Finance EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Hong Leong Finance's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Hong Leong Finance's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hong Leong Finance EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Hong Leong Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Hong Leong Finance's EV-to-FCF falls into.
Hong Leong Finance's current Enterprise Value is S$321.4 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hong Leong Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was S$-190.4 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hong Leong Finance (SGX:S41) has a EV-to-FCF of -1.69 as of Aug. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hong Leong Finance and its competitors. According to the industry distribution chart, Hong Leong Finance ranks #999999 out of 1197 companies in the Banks industry.
Is Hong Leong Finance's EV-to-FCF too high?
Hong Leong Finance's current EV-to-FCF is -1.69. Based on the distribution chart, Hong Leong Finance ranks #999999 out of 1197 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hong Leong Finance has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hong Leong Finance's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Hong Leong Finance ranks #999999 out of 1197 companies for EV-to-FCF. This places Hong Leong Finance in the lower half of its industry. The industry median EV-to-FCF is 7.25. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.25, based on 1,197 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hong Leong Finance and its competitors. For the Banks industry, the median EV-to-FCF is 7.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hong Leong Finance's current EV-to-FCF is -1.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hong Leong Finance stock overvalued right now?
Based on GuruFocus' analysis, Hong Leong Finance (SGX:S41) is currently considered Modestly Overvalued. The stock's GF Value™ is S$2.26, compared to a current price of S$2.51 — trading 11.1% above its estimated fair value. The current EV-to-FCF is -1.69. Hong Leong Finance's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Hong Leong Finance (SGX:S41), the current EV-to-FCF is -1.69 as of Aug. 04, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hong Leong Finance (SGX:S41) Overvalued in 2026?
Based on GuruFocus' analysis, Hong Leong Finance stock appears to be overvalued.
The current stock price of S$2.51 is trading 11.1% above its estimated GF Value™ of S$2.26.
GuruFocus considers Hong Leong Finance to be Modestly Overvalued.
Key valuation signals for SGX:S41:
EV-to-FCF: -1.69
GF Value™: S$2.26 vs. price of S$2.51 (11.1% above fair value)
No single metric tells the full story. See the SGX:S41 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hong Leong Finance Ltd is a financial institution. The activities of the company are related to financing business and the provision of corporate advisory services. The principal activities of the subsidiaries are the provision of nominee services. It operates exclusively in Singapore. The company's service offerings include SME loans, Personal loans, Deposites and savings, and corporate finance.
59GF Score
Get the complete analysis for SGX:S41
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SGX:S41 has been successfully added to your 
