Hong Leong Financial Group Bhd (XKLS:1082) Moat Score: 0/10 (As of Jul. 18, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XKLS:1082 Hong Leong Financial Group Bhd XKLS:1082
53 GF Score
Price RM18.82
GF Value RM11.47
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Hong Leong Financial Group Bhd Moat Score?

Hong Leong Financial Group Bhd has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Hong Leong Financial Group Bhd has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Hong Leong Financial Group Bhd might have No Moat - No discernible moat.

Hong Leong Financial Group Bhd  (XKLS:1082) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Hong Leong Financial Group Bhd Moat Score Related Terms

XKLS:1082
53GF Score
Hong Leong Financial Group Bhd XKLS:1082
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Hong Leong Financial Group Bhd (XKLS:1082) Overvalued in 2026?

Based on GuruFocus' analysis, Hong Leong Financial Group Bhd stock appears to be overvalued. The current stock price of RM18.82 is trading 64.1% above its estimated GF Value™ of RM11.47. GuruFocus considers Hong Leong Financial Group Bhd to be Significantly Overvalued.

Key valuation signals for XKLS:1082:

  • Moat Score: 0
  • GF Value™: RM11.47 vs. price of RM18.82 (64.1% above fair value)
  • GF Score™: 53/100 with 3 warning signs

No single metric tells the full story. See the XKLS:1082 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Hong Leong Financial Group Bhd Business Description

Address No. 6, Jalan Damanlela, Level 30, Menara Hong Leong, Bukit Damansara, Kuala Lumpur, SGR, MYS, 50490
Hong Leong Financial Group Bhd is a Malaysia-based company engaged in providing financial and banking services. The company's reportable segments consist of Commercial banking, Investment banking, Insurance, and the other operations segment that contains investment holding and provision of management services. The commercial banking segment accounts for the majority of total revenue. The firm's business operations are concentrated in Malaysia.
53GF Score

Get the complete analysis for XKLS:1082

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM18.82
Price
RM11.47
GF Value