What Do Recent Gains Mean for Hang Seng Bank After Latest Loan Growth Report?

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If you have been watching Hang Seng Bank lately and wondering whether now is the right time to act, you are not alone. The stock’s journey this year has been nothing short of intriguing, giving ...

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The stock’s journey this year has been nothing short of intriguing, giving ...</p>\n\n<a href=\"https://simplywall.st/stocks/hk/banks/hkg-11/hang-seng-bank-shares/news/what-do-recent-gains-mean-for-hang-seng-bank-after-latest-lo\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>What Do Recent Gains Mean for Hang Seng Bank After Latest Loan Growth Report?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWhat Do Recent Gains Mean for Hang Seng Bank After Latest Loan Growth Report?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-09-22 20:59 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/hk/banks/hkg-11/hang-seng-bank-shares/news/what-do-recent-gains-mean-for-hang-seng-bank-after-latest-lo><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you have been watching Hang Seng Bank lately and wondering whether now is the right time to act, you are not alone. The stock’s journey this year has been nothing short of intriguing, giving ...</p>\n\n<a href=\"https://simplywall.st/stocks/hk/banks/hkg-11/hang-seng-bank-shares/news/what-do-recent-gains-mean-for-hang-seng-bank-after-latest-lo\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"00011","symbol_name":"恒生银行","start_time":0,"source_url":"https://simplywall.st/stocks/hk/banks/hkg-11/hang-seng-bank-shares/news/what-do-recent-gains-mean-for-hang-seng-bank-after-latest-lo","article_id":"2569097733","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7012000-choice1-main-header/1585186660482"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/hk/banks/hkg-11/hang-seng-bank-shares/news/what-do-recent-gains-mean-for-hang-seng-bank-after-latest-lo","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2569097733","pubTimestamp":1758545962,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you have been watching Hang Seng Bank lately and wondering whether now is the right time to act, you are not alone. The stock’s journey this year has been nothing short of intriguing, giving investors both reasons for optimism and moments to second guess. Just in the past week, the price dipped by 2.0%, yet the 30-day climb sits at 3.7%, and the year-to-date surge of 23.7% is hard to ignore. Zoom out even more, and the story remains attractive. Hang Seng Bank has gained 33.2% over the past...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"80011":"恒生银行-R","00011":"恒生银行","03143":"华夏香港银行股","BK1572":"香港银行股","LU1981816686.USD":"EASTSPRING INV ASIAN MULTI FACTOR EQUITY \"A\" (USD) ACC","BK1601":"香港本地股","BK1231":"综合性银行","BK1521":"挪威政府全球养老基金持仓","HSNGY":"恒生银行ADR"},"translate_title":"最新贷款增长报告发布后，近期涨幅对恒生银行意味着什么？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"80011":0.6,"00011":0.9,"03143":0.6,"HSNGY":0.6},"content_text":"If you have been watching Hang Seng Bank lately and wondering whether now is the right time to act, you are not alone. The stock’s journey this year has been nothing short of intriguing, giving investors both reasons for optimism and moments to second guess. Just in the past week, the price dipped by 2.0%, yet the 30-day climb sits at 3.7%, and the year-to-date surge of 23.7% is hard to ignore. Zoom out even more, and the story remains attractive. Hang Seng Bank has gained 33.2% over the past year and 28.6% over five years. It is clear that the bank has caught the market’s eye, potentially fueled by shifting investor sentiment across Hong Kong’s financial sector and broader market momentum, even as questions about risk and growth continue to swirl. With the stock closing recently at 117.0, everyone wants to know: is Hang Seng Bank undervalued or are we missing something beneath the surface? Based on six commonly-used valuation checks, Hang Seng Bank scores a 2, meaning it passes two of them for undervaluation. But what does that score truly say about its investment potential? Next, we will break down what those valuation methods actually check for, and how Hang Seng stacks up. Stay tuned as we dig deeper and keep an eye out for the most insightful way to think about value at the end of this analysis. Hang Seng Bank scores just 2/6 on our valuation checks. See what other red flags we found in the full valuation breakdown. AdvertisementApproach 1: Hang Seng Bank Excess Returns Analysis The Excess Returns model focuses on how efficiently a bank turns its invested capital into profits above the basic cost of equity. For Hang Seng Bank, this evaluation highlights its ability to generate profits that surpass what shareholders require for taking on risk. This is a critical measure for banks and other financial institutions. Key figures from the latest analysis include a Book Value of HK$84.52 per share and a Stable EPS (Earnings Per Share) of HK$8.44, based on projections from nine analysts. The average Return on Equity sits at 9.40%. The Stable Book Value estimate rises slightly to HK$89.84 per share. After subtracting the Cost of Equity per share of HK$6.08, the model calculates an Excess Return of HK$2.36 per share. This steady Excess Return suggests Hang Seng Bank is creating real value above shareholder expectations. With these inputs, the Excess Returns approach delivers an estimated intrinsic value for the stock that is about 20.8% higher than the recent share price. Given the current price of HK$117.0, this signals the shares are significantly undervalued according to this profitability-driven model. Result: UNDERVALUED Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Hang Seng Bank. 11 Discounted Cash Flow as at Sep 2025 Our Excess Returns analysis suggests Hang Seng Bank is undervalued by 20.8%. Track this in your watchlist or portfolio, or discover more undervalued stocks. Approach 2: Hang Seng Bank Price vs Earnings The Price-to-Earnings (PE) ratio is one of the most popular ways to value a profitable company, such as Hang Seng Bank, because it shows how much investors are willing to pay for each dollar of earnings. This metric helps investors compare companies of different sizes as well as judge current sentiment about a firm’s future prospects and risk profile. A higher PE ratio can often be justified for companies expected to grow rapidly or that have lower risk. A lower PE ratio may signal limited growth or higher uncertainty. As of now, Hang Seng Bank trades at a PE of 15.29x. This stands significantly higher than the industry average of 5.70x and is above the peer average of 6.47x, suggesting that the market is paying a premium for Hang Seng’s qualities or prospects. Simply Wall St also calculates a company-specific “Fair Ratio,” which adjusts for individual growth expectations, profit margins, sector dynamics, and overall risks. For Hang Seng Bank, the Fair Ratio is 6.40x. This is far below the company’s current PE multiple. Using a more precise and tailored approach, rather than industry or peer averages, this suggests that Hang Seng Bank trades well above what would be considered fairly valued based on its fundamentals. Result: OVERVALUED SEHK:11 PE Ratio as at Sep 2025 PE ratios tell one story, but what if the real opportunity lies elsewhere? Discover companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Hang Seng Bank Narrative Earlier we mentioned that there is an even better way to understand valuation, so let’s introduce you to Narratives. A Narrative is your story and perspective on a company, built by connecting your own expectations for fair value, future revenue, earnings, and profit margins to the company’s real financials. Narratives provide a clear framework that links the story you believe about a company to the numbers that drive its share price, and then to what you think it is really worth. Available to all investors on Simply Wall St’s Community page, Narratives are an easy, powerful tool used by millions to make confident buy and sell decisions. By comparing your Narrative’s Fair Value with the actual share price, you can quickly see if a company is overvalued or undervalued based on your outlook. Even better, these Narratives update dynamically whenever new information such as fresh earnings reports or major news arrives, so your assessment always stays relevant. For example, one Narrative on Hang Seng Bank might project strong fintech-driven growth and rising wealth management income, giving a fair value of HK$131.0 per share and signaling a buy, while another Narrative focusing on asset quality concerns and property market risks might set a fair value as low as HK$85.0, suggesting caution. Which story fits your view best? Do you think there's more to the story for Hang Seng Bank? Create your own Narrative to let the Community know! SEHK:11 Community Fair Values as at Sep 2025  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Hang Seng Bank might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}