` Comparison: HLFG, SBK - Alpha Spread

H
HLFG
vs
S
SBK

Over the past 12 months, HLFG has underperformed SBK, delivering a return of -1% compared to the SBK's +19% growth.

Valuation Growth Profitability Solvency Stocks Performance
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HLFG
SBK
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Stocks Compared:
HLFG SBK
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Valuation Comparison

H
HLFG Intrinsic Value
39.92 MYR
Undervaluation 55%
Intrinsic Value
Price
S
SBK Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
H
Hong Leong Financial Group Bhd
KLSE:HLFG
17.96 MYR
S
Standard Bank Group Ltd
JSE:SBK
27 737 Zac
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
HLFG, SBK

HLFG
SBK
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
H
Hong Leong Financial Group Bhd
Revenue
S
Standard Bank Group Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
HLFG, SBK

HLFG
SBK
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
H
Hong Leong Financial Group Bhd
KLSE:HLFG
FCF is not applicable for financial companies
S
Standard Bank Group Ltd
JSE:SBK
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HLFG
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
H
Hong Leong Financial Group Bhd
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Operating Margin

HLFG
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
H
Hong Leong Financial Group Bhd
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Net Margin

HLFG
37.2%
SBK
17.6%

FCF Margin

HLFG
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
H
Hong Leong Financial Group Bhd
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROE

HLFG
10.5%
SBK
16.8%

ROA

HLFG
1%
SBK
1.4%

ROIC

HLFG
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
H
Hong Leong Financial Group Bhd
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROCE

HLFG
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
H
Hong Leong Financial Group Bhd
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HLFG, SBK

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HLFG
SBK
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
HLFG, SBK

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HLFG
SBK
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HLFG, SBK

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HLFG
SBK
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