Singapura Finance Ltd (S23) Fair Value & Analysis
Financial Services · SG · Market cap 128M SGD
Fair value as of: Jul 4, 2026
From 23 valuation models · updated yesterday
Price vs Fair Value (12 months)
12‑month range 0.6613 SGD – 0.8250 SGD · fair‑value band 0.8300 SGD – 1.10 SGD · the 0.8050 SGD price screens below the 1.10 SGD fair value. As of Jul 4, 2026.
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Singapura Finance Ltd (S23) currently trades at 0.8050 SGD, while our model-based Fair Value estimate is 1.10 SGD — implying the stock looks roughly 36.6% undervalued today. We read business quality at 66/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Singapura Finance Ltd generated revenue of 29.6M SGD at a net margin of 30.9%. Revenue grew 22.8% year over year. It earns a return on equity of 3.5%. The stock trades on a trailing P/E of 13.4. Fundamentals as of Jul 4, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.
About the company
Singapura Finance Ltd, together with its subsidiaries, provides deposit and financing services for individuals and businesses in Singapore. The company offers savings, fixed deposits, and business and current accounts; housing loans for HDB and private residential; mortgage loans for private residential, commercial, and industrial properties; pleasure craft loans; equipment and machinery, motor vehicle, medical practice, corporate secured, syndicated, land and construction, and vessel loans; block discounting and floor stock financing; green financing; and safe deposit boxes. It also provides nominee, estate agency, and management services. Singapura Finance Ltd was founded in 1950 and is based in Singapore.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Singapura Finance Ltd reported revenue of 29.3M SGD in FY2025 versus 25.5M SGD in FY2021, a compound +3.6%/yr. Reported net income was 9.2M SGD in FY2025, compounding −1.2%/yr from FY2021.
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Similar stocks
6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 4, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €283.80 | €135.27 | -52% |
| Mastercard Incorporated MA | C$29.95 | C$17.84 | -40% |
| M4I M4I | €430.50 | €367.81 | -15% |
| American Express Company AXP | C$28.87 | C$17.03 | -41% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹962.40 | ₹397.61 | -59% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.