Hong Leong Bank Bhd
Hong Leong Bank Bhd is a commercial bank operating in Malaysia, generating revenue through interest income and fee-based banking services.
Business. Hong Leong Bank Bhd (HLBB.KL) is a commercial bank headquartered in Malaysia and listed on Bursa Malaysia. The company operates within the Banking Services industry, generating revenue primarily through interest income. As specific segment and geographic details are not provided, the firm is described at the industry level as a provider of banking services.
Analyst recommendations
16 analysts · consensus BuyAt a glance
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Hong Leong Bank Bhd (HLBB.KL) is a commercial bank headquartered in Malaysia and listed on Bursa Malaysia. The company operates within the Banking Services industry, generating revenue primarily through interest income. As specific segment and geographic details are not provided, the firm is described at the industry level as a provider of banking services.
Hong Leong Bank Bhd maintains a capital structure supported by total equity of MYR 39.3 billion against total liabilities of MYR 275.3 billion. The debt-to-equity ratio stands at 0.4, indicating a conservative leverage profile relative to its equity base. Long-term debt is recorded at MYR 15.9 billion. Despite positive net income, operating cash flow is negative at MYR -3.95 billion, while free cash flow remains positive at MYR 2.91 billion, driven by low capital expenditures of MYR -116.2 million. The risk assessment flags medium liquidity risk and notes that net cash is negative after subtracting total debt.
Profitability metrics show a return on equity (ROE) of 10.88% and a return on assets (ROA) of 1.36%. The company reported revenue of MYR 3.99 billion and net income of MYR 4.27 billion for the latest period. Without specific cohort median data provided in the input, direct comparative analysis against sector peers is omitted, but the positive net income exceeding revenue suggests significant non-operating income or tax benefits contributing to the bottom line.
Segment and geographic revenue mix data is not present in the provided input, preventing detailed analysis of revenue concentration or regional exposure. The company operates as a commercial bank, implying a diversified loan book typical of the industry, but specific segment breakdowns are unavailable for citation.
Historical period data for revenue and net income trends is absent from the input, so growth trajectory analysis cannot be performed. The current snapshot provides a single-period view of financial performance without year-over-year or quarter-over-quarter context.
Risk factors include medium liquidity risk and low dilution risk. A key flag indicates that net cash is negative after subtracting total debt, which may impact short-term liquidity management. The negative operating cash flow of MYR -3.95 billion warrants monitoring, although it is offset by positive free cash flow.
Recent filing, news, and transcript observations are not provided in the input data. Competitor context lists JPMorgan Chase, Bank of America, and Citigroup, but no specific comparative data or recent events are detailed for these entities.
- Hong Leong Bank Bhd reports a conservative debt-to-equity ratio of 0.4 with total equity of MYR 39.3 billion.
- Operating cash flow is negative at MYR -3.95 billion, contrasting with positive free cash flow of MYR 2.91 billion.
- Return on equity is 10.88% and return on assets is 1.36% for the latest period.
- Liquidity risk is assessed as medium, with a key flag noting negative net cash after debt subtraction.
- Dilution risk is low, with basic and diluted shares outstanding identical at 2.05 billion.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
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Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 2,15 |
| Revenue | —no estimate | —no estimate | 6,7B MYR |
| Operating income | —no estimate | —no estimate | 4,1B MYR |
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consensus EPS · 26-week trendSell-side observations
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Risk factors
- Net cash is negative after subtracting total debt.
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- Debt To Equity(short_term_debt + long_term_debt) / total_equity
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- Cash Conversion Ratiooperating_cash_flow / net_income
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- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Hong Leong Bank Bhd Market data — financials · 2026-07-09