Sing Investments & Finance Limited (S35) Fair Value & Analysis
Financial Services · SG · Market cap 366M SGD
Fair value as of: Jul 4, 2026
From 15 valuation models · updated yesterday
Share price −1.3% over the past month.
Price vs Fair Value (12 months)
12‑month range 1.14 SGD – 1.77 SGD · fair‑value band 1.74 SGD – 2.91 SGD · the 1.55 SGD price screens below the 2.33 SGD fair value. As of Jul 4, 2026.
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Sing Investments & Finance Limited (S35) currently trades at 1.55 SGD, while our model-based Fair Value estimate is 2.33 SGD — implying the stock looks roughly 50.3% undervalued today. We read business quality at 49/100 (below-average 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, Sing Investments & Finance Limited generated revenue of 81.0M SGD at a net margin of 52.3%. Revenue grew 4.8% year over year. It earns a return on equity of 8.9%. The stock trades on a trailing P/E of 8.6. 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
Sing Investments & Finance Limited provides financing and related nominee services to individuals and corporations in Singapore. The company offers fixed and savings deposits, current, GIRO saver, GoVault, and conveyancing accounts. It provides housing, HDB, commercial property, car, share, shipping, land and construction, machinery, and unsecured business loans; SME/ corporate financing, such as commercial property loan, machinery loan, enterprise financing scheme (EFS), shipping loan, land and construction loan, accounts receivables/invoice factoring, block financing, and floor stock financing; and various e-services. Sing Investments & Finance Limited was incorporated in 1964 and is headquartered in Singapore.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Sing Investments & Finance Limited reported revenue of 130M SGD in FY2025 versus 75.6M SGD in FY2021, a compound +14.6%/yr. Reported net income was 42.3M SGD in FY2025, compounding +7.7%/yr from FY2021.
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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.