Intrinsiqq

Hypothekarbank Lenzburg AG (HBLN.XSWX) Quality Score

HBLN.XSWX
Quality68

Valuation remains strong (avg 95/100), but business quality is pulling the composite down (avg 45/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
15.1x

Under 20x, reasonable relative to earnings

Price / Book
100/100
0.50x

0.5x book, trading near or below equity

Revenue Growth
100/100
13.2%

Above 10% CAGR, strong compounder

Book Value Growth
70/100
5.1%

5–8% BVPS CAGR, steady compounding

Business Quality & Capital Allocation

Share Dilution
80/100
-0.0%

Roughly flat, no meaningful dilution

Return on Equity
40/100
3.3%

2–5%, low ROE for a financial

Capital Adequacy
60/100
7.0%

7.0% equity/assets, adequate

Margin Trend
0/100
-5.6pp

Net margin compressed >2pp, profitability pressure

Hypothekarbank Lenzburg (HBLN.XSWX) quality: score, margins and returns

Hypothekarbank Lenzburg (HBLN.XSWX) scores 68/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.

Frequently asked

Is Hypothekarbank Lenzburg (HBLN.XSWX) a high-quality business?+

Hypothekarbank Lenzburg scores 68 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Hypothekarbank Lenzburg's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from HBLN.XSWX's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Hypothekarbank Lenzburg scores well and where it falls behind.

How profitable is Hypothekarbank Lenzburg?+

Hypothekarbank Lenzburg runs a net margin of about 16.0%. Revenue has grown at roughly 12.2% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.

More on HBLN.XSWX: Overview · DCF valuation · Dividend safety · Financials
How the market compares: US profitability statistics

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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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