Hang Seng Bank Ltd
HKEX:11

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Hang Seng Bank Ltd Logo
Hang Seng Bank Ltd
HKEX:11
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Price: 94.65 HKD -0.16% Market Closed
Market Cap: 178.2B HKD
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Intrinsic Value

The intrinsic value of one Hang Seng Bank Ltd stock under the Base Case scenario is 127.73 HKD. Compared to the current market price of 94.65 HKD, Hang Seng Bank Ltd is Undervalued by 26%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

Intrinsic Value
127.73 HKD
Undervaluation 26%
Intrinsic Value
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Hang Seng Bank Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Business Breakdown

Hang Seng Bank Ltd. is more than just a financial institution; it stands as a pillar of stability and growth in Hong Kong’s banking sector. Founded in 1933, the bank has carved out a reputation for its customer-centric approach and strong operational excellence, establishing itself as a trusted partner for both retail and corporate clients. A member of the HSBC Group, Hang Seng Bank leverages its affiliation to access global resources while maintaining a deep understanding of the local market dynamics. Its comprehensive range of services—including personal banking, wealth management, and commercial banking—captures the diverse needs of its client base, making it a preferred choice for indivi...

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Financials
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Quarterly
TTM

Balance Sheet Decomposition
Hang Seng Bank Ltd

Net Loans 849.6B
Investments 719.5B
PP&E 26.3B
Intangibles 4.4B
Other Assets 108.6B
Total Deposits 1.2T
Short Term Debt 20.3B
Long Term Debt 28.6B
Other Liabilities 305.1B
Earnings Calls

Hang Seng Bank has reported a substantial rise in profitability and income, showcasing the success of their business transformation strategy. The bank's net operating income before credit impairment charges grew by 29%, while attributable profit surged by 79% compared to the previous year. Net interest income saw robust growth, with the net interest margin rising by 62 basis points to 2.09%. Wealth management income increased by 10% year-over-year and spiked by 40% compared to the second half of 2022, contributing to diversification of income streams. Operational efficiency improved, illustrated by an 8.3 percentage point enhancement in the cost efficiency ratio to 35.9%. Dividends for the first half of 2023 totaled $2.20 per share. Additionally, mobile and Internet banking users grew significantly, and the bank achieved a year-on-year customer loans and advances growth of 4%. However, there was a strategic 4% decline in the loan balance due to de-risking activities.

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Wall St
Price Targets

Price Targets Summary
Hang Seng Bank Ltd

Wall Street analysts forecast Hang Seng Bank Ltd stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for Hang Seng Bank Ltd is 96.06 HKD with a low forecast of 79.79 HKD and a high forecast of 110.25 HKD.

Lowest
Price Target
79.79 HKD
16% Downside
Average
Price Target
96.06 HKD
1% Upside
Highest
Price Target
110.25 HKD
16% Upside
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Dividends

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Shareholder Yield

Current shareholder yield for Hang Seng Bank Ltd is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Hang Seng Bank Ltd Logo
Hang Seng Bank Ltd

Country

Hong Kong

Industry

Banking

Market Cap

179.5B HKD

Dividend Yield

7.18%

Description

Hang Seng Bank Ltd. provides commercial banking and related financial services. The company employs 9,396 full-time employees The firm operates its business through four segments. The Wealth and Personal Banking segment engages in provision of personal banking, consumer lending, time deposits, mortgages and personal loans, credit cards, insurance and wealth management services. The Commercial Banking segment engages in the corporate lending, trade and receivable finance, payments and cash management, treasury and foreign exchange, general insurance, key-person insurance, investment services and corporate wealth management. The Global Banking and Markets segment provides tailored financial solutions. The Other segment engages in the properties, equity shares investment.

Contact

83 Des Voeux Road Central, Central
www.hangseng.com

IPO

1972-06-20

Employees

9 396

Officers

Chief Executive & Executive Director
Ms. Diana Ferreira Cesar J.P.
CFO & Executive Director
Ms. Say Pin Saw
Chief Operating Officer
Ms. Wai Man Chiu
Chief Risk & Compliance Officer
Ms. Ka Wai Cheung
General Counsel
Ms. Mabel W. L Chu
Head of Communications & Community Investments
Ms. Shuk Man Law
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Chief Marketing Officer
Mr. Wang Chun Cheung
Head of Human Resources
Lok Sze Ho
Head of Global Markets
Ms. Tan Ling Chow
Head of Strategy & Planning and Chief of Staff to CE
Mr. Man Lung Lee
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See Also

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What is the Intrinsic Value of one Hang Seng Bank Ltd stock?

The intrinsic value of one Hang Seng Bank Ltd stock under the Base Case scenario is 127.73 HKD.

Is Hang Seng Bank Ltd stock undervalued or overvalued?

Compared to the current market price of 94.65 HKD, Hang Seng Bank Ltd is Undervalued by 26%.

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