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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Hong Leong Financial Group Bhd's annualizedNet Income for the quarter that ended in Mar. 2026 was RM2,995 Mil.
Hong Leong Financial Group Bhd's average Total Assets over the quarter that ended in Mar. 2026 was RM358,967 Mil. Therefore, Hong Leong Financial Group Bhd's annualized ROA % for the quarter that ended in Mar. 2026 was 0.83%.
The historical rank and industry rank for Hong Leong Financial Group Bhd's ROA % or its related term are showing as below:
XKLS:1082'
s ROA % Range Over the Past 10 Years
Min: 0.66 Med: 0.86 Max: 0.98
Current: 0.95
During the past 13 years, Hong Leong Financial Group Bhd's highest ROA % was 0.98%. The lowest was 0.66%. And the median was 0.86%.
XKLS:1082's ROA % is ranked worse than 52.52% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs XKLS:1082: 0.95
Hong Leong Financial Group Bhd (XKLS:1082) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Hong Leong Financial Group Bhd ROA % Related Terms
Hong Leong Financial Group Bhd ROA % Historical Data
* 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 Financial Group Bhd ROA % Competitor Comparison
For the Banks - Regional subindustry, Hong Leong Financial Group Bhd's ROA %, along with its competitors' market caps and ROA % 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 Financial Group Bhd ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Hong Leong Financial Group Bhd's ROA % distribution charts can be found below:
* The bar in red indicates where Hong Leong Financial Group Bhd's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Hong Leong Financial Group Bhd (XKLS:1082) has a ROA % of 0.83% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Hong Leong Financial Group Bhd and its competitors. This is near median its historical median of 0.86. Over the past decade, Hong Leong Financial Group Bhd's ROA % has ranged from 0.66 to 0.98. According to the industry distribution chart, Hong Leong Financial Group Bhd ranks #803 out of 1529 companies in the Banks industry, placing it in the top 52.5%.
Is Hong Leong Financial Group Bhd's ROA % too high?
Hong Leong Financial Group Bhd's current ROA % of 0.83% is near median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 0.98. The Banks industry median ROA % is 0.98. Hong Leong Financial Group Bhd's value of 0.83% is 15.3% below this industry median. Based on the distribution chart, Hong Leong Financial Group Bhd ranks #803 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Hong Leong Financial Group Bhd has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hong Leong Financial Group Bhd's ROA % compare to competitors?
According to the Banks industry distribution chart, Hong Leong Financial Group Bhd ranks #803 out of 1529 companies for ROA %. This places Hong Leong Financial Group Bhd in the lower half of its industry. The industry median ROA % is 0.98. Hong Leong Financial Group Bhd's value of 0.83% is 15.3% below this benchmark. Historically, Hong Leong Financial Group Bhd's own ROA % has ranged from 0.66 to 0.98 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 0.98, Hong Leong Financial Group Bhd has consistently been below 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hong Leong Financial Group Bhd's current ROA % of 0.83% is 15.3% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Hong Leong Financial Group Bhd and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hong Leong Financial Group Bhd's current ROA % is 0.83%, which is near median its own 10-year median of 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hong Leong Financial Group Bhd stock overvalued right now?
Based on GuruFocus' analysis, Hong Leong Financial Group Bhd (XKLS:1082) is currently considered Significantly Overvalued. The stock's GF Value™ is RM11.47, compared to a current price of RM18.82 — trading 64.1% above its estimated fair value. The current ROA % is 0.83%, which is near median its 10-year median of 0.86 and 15.3% below the Banks industry median of 0.98. Hong Leong Financial Group Bhd's overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Hong Leong Financial Group Bhd (XKLS:1082), the current ROA % is 0.83% 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 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:
ROA %: 0.83% (near median its 10-year median of 0.86)
GF Value™: RM11.47 vs. price of RM18.82 (64.1% above fair value)
Industry Position: 15.3% below the Banks median (#803 of 1529)
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
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
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