Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Hong Leong Capital Bhd (XKLS:5274) Net Interest Margin (Bank Only) % Explanation
The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.
Hong Leong Capital Bhd Net Interest Margin (Bank Only) % Related Terms
Hong Leong Capital Bhd Net Interest Margin (Bank Only) % Historical Data
* Premium members only.
The historical data trend for Hong Leong Capital Bhd's Net Interest Margin (Bank Only) % 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.
Hong Leong Capital Bhd Net Interest Margin (Bank Only) % Chart
XKLS:5274 vs MS, GS, SCHW: Net Interest Margin (Bank Only) % Comparison
For the Capital Markets subindustry, Hong Leong Capital Bhd's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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 Capital Bhd Net Interest Margin (Bank Only) % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Hong Leong Capital Bhd's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Hong Leong Capital Bhd's Net Interest Margin (Bank Only) % falls into.
Hong Leong Capital Bhd Net Interest Margin (Bank Only) % Calculation
Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Hong Leong Capital Bhd's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Jun. 2025 is calculated as
* 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.
In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data,
the Net Interest Income (for Banks) data used here is four times the quarterly (Mar. 2026) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 21.18% mean?
Hong Leong Capital Bhd (XKLS:5274) has a Net Interest Margin (Bank Only) % of 21.18% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Hong Leong Capital Bhd and its competitors.
Is Hong Leong Capital Bhd's Net Interest Margin (Bank Only) % too high?
Hong Leong Capital Bhd's current Net Interest Margin (Bank Only) % is 21.18%. Overall, Hong Leong Capital Bhd has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hong Leong Capital Bhd's Net Interest Margin (Bank Only) % compare to MS and GS?
Hong Leong Capital Bhd's Net Interest Margin (Bank Only) % of 21.18% can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Capital Markets company?
A good Net Interest Margin (Bank Only) % depends on the Capital Markets industry context. However, Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Hong Leong Capital Bhd and its competitors. Hong Leong Capital Bhd's current Net Interest Margin (Bank Only) % is 21.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hong Leong Capital Bhd stock overvalued right now?
Based on GuruFocus' analysis, Hong Leong Capital Bhd (XKLS:5274) is currently considered Modestly Undervalued. The stock's GF Value™ is RM3.62, compared to a current price of RM3.09 — trading 14.6% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 21.18%. Hong Leong Capital Bhd's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Hong Leong Capital Bhd (XKLS:5274), the current Net Interest Margin (Bank Only) % is 21.18% as of Mar. 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 Capital Bhd (XKLS:5274) Overvalued in 2026?
Based on GuruFocus' analysis, Hong Leong Capital Bhd stock appears to be undervalued.
The current stock price of RM3.09 is trading 14.6% below its estimated GF Value™ of RM3.62.
GuruFocus considers Hong Leong Capital Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5274:
Net Interest Margin (Bank Only) %: 21.18%
GF Value™: RM3.62 vs. price of RM3.09 (14.6% below fair value)
No single metric tells the full story. See the XKLS:5274 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hong Leong Capital Bhd is an investment holding company. Along with its subsidiaries, it offers various financial services in the areas of investment banking, stockbroking, futures broking, nominees and custodian services, unit trust and fund management, and related financial services, and investment management services. The group's operating business segments are: Investment banking and stockbroking, Fund management and unit trust management, and Investment holding and others. The majority of its revenue is generated from the Investment banking and stockbroking segment. Geographically, the group operates only in Malaysia.
60GF Score
Get the complete analysis for XKLS:5274
Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:5274 has been successfully added to your 
