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Hong Leong FinanceSGX:S41 +0.40%59 Net Margin % is 33.89% as of Dec. 2025, which is 24% below its 10-year median of 44.70. GuruFocus rates SGX:S41 with a GF Score™ of 59/100 and a GF Value™ of S$2.25 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Hong Leong Finance ranks better than 73.53% on this metric.
The historical rank and industry rank for Hong Leong Finance's Net Margin % or its related term are showing as below:
SGX:S41'
s Net Margin % Range Over the Past 10 Years
Min: 34.19 Med: 44.7 Max: 51.96
Current: 34.19
SGX:S41's Net Margin % is ranked better than 73.53% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs SGX:S41: 34.19
Hong Leong Finance (SGX:S41) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Hong Leong Finance Net Margin % Related Terms
Hong Leong Finance Net Margin % Historical Data
* Premium members only.
The historical data trend for Hong Leong Finance's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hong Leong Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hong Leong Finance's Net Margin % falls into.
* 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 Net Margin % of 33.89% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Hong Leong Finance and its competitors. This is 24% below median its historical median of 44.70. Over the past decade, Hong Leong Finance's Net Margin % has ranged from 34.19 to 51.96. According to the industry distribution chart, Hong Leong Finance ranks #404 out of 1526 companies in the Banks industry, placing it in the top 26.5%.
Is Hong Leong Finance's Net Margin % too high?
Hong Leong Finance's current Net Margin % of 33.89% is 24% below median its 10-year median of 44.70. Over the past 10 years, this metric has ranged from a low of 34.19 to a high of 51.96. The Banks industry median Net Margin % is 27.05. Hong Leong Finance's value of 33.89% is 25.3% above this industry median. Based on the distribution chart, Hong Leong Finance ranks #404 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Hong Leong Finance ranks #404 out of 1526 companies for Net Margin %. This puts Hong Leong Finance in the upper half of its industry. The industry median Net Margin % is 27.05. Hong Leong Finance's value of 33.89% is 25.3% above this benchmark. Historically, Hong Leong Finance's own Net Margin % has ranged from 34.19 to 51.96 over the past decade. While the company's 10-year median is 44.70 vs. the industry median of 27.05, Hong Leong Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hong Leong Finance's current Net Margin % of 33.89% is 25.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Hong Leong Finance and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hong Leong Finance's current Net Margin % is 33.89%, which is 24% below median its own 10-year median of 44.70. 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$2.25, compared to a current price of S$2.51 — trading 11.6% above its estimated fair value. The current Net Margin % is 33.89%, which is 24% below median its 10-year median of 44.70 and 25.3% above the Banks industry median of 27.05. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Hong Leong Finance (SGX:S41), the current Net Margin % is 33.89% as of Dec. 2025. 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 11.6% above its estimated GF Value™ of S$2.25.
GuruFocus considers Hong Leong Finance to be Modestly Overvalued.
Key valuation signals for SGX:S41:
Net Margin %: 33.89% (24% below median its 10-year median of 44.70)
GF Value™: S$2.25 vs. price of S$2.51 (11.6% above fair value)
Industry Position: 25.3% above the Banks median (#404 of 1526)
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
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