SING INVESTMENTS & FINANCE LTD (S35) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of SING INVESTMENTS & FINANCE LTD S$2.33, price S$1.53, upside +52.3%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range 0.7275 SGD – 1.77 SGD · fair‑value band 1.75 SGD – 2.91 SGD · the 1.53 SGD price screens below the 2.33 SGD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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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.
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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.
Stock analysis
SING INVESTMENTS & FINANCE LTD (S35) currently trades at 1.53 SGD, while our model-based Fair Value estimate is 2.33 SGD, implying the stock looks roughly 34.3% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 6.75 SGD per share, and 6 of the 7 models we run sit above the 1.53 SGD price.
Bear case: the Asset-Based group reads lowest at 1.41 SGD, and 1 of the 7 models stay below the price. Evidence for this calculation is high.
Scenario range: 1.75 SGD (bear) to 2.91 SGD (bull), the price of 1.53 SGD sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
SING INVESTMENTS & FINANCE LTD 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.
Key figures
Market cap 362M SGD (≈ $283M) · P/E ratio 7.3 · P/S ratio 2.37 · EPS (TTM) 0.2100 SGD · Dividend yield 4.9% · Net margin 32.5% · Return on equity 9.3% · Return on assets (EBIT) 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 52%, S35 screens cheaper than that median.
Fair Value models
Bear 1.75 SGDFair Value 2.33 SGDBull 2.91 SGD
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.1021 SGD per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.43/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−1.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.1%
Start year 2020 (pandemic). Over 10 years: +13.8% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.1%
Dividend (yield on the price)4.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.7.1% vs 7.4%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 77%
Compare SING INVESTMENTS & FINANCE LTD with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 326 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score36 · Bottom 25%
Fair Value upside+52.3% · Above median
Profitability
Return on equity (TTM)9.3% · Above median
Return on assets1.3% · Below median
Net margin (TTM)53.3% · Top 25%
Operating margin (TTM)65.7% · Top 25%
Growth and dividend
Revenue growth12.2% · Above median
Dividend yield (TTM)4.9% · Above median
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is SING INVESTMENTS & FINANCE LTD (S35) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 2.33 SGD versus a price of 1.53 SGD, about +52% upside (undervalued).
What is the fair value of S35?
Our model-based fair value for SING INVESTMENTS & FINANCE LTD is 2.33 SGD (as of Sep 27, 2026), built from audited fundamentals. The current price: 1.53 SGD.
What is the quality score of S35?
SING INVESTMENTS & FINANCE LTD has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for SING INVESTMENTS & FINANCE LTD (S35)?
Our model-based price target is the fair value of 2.33 SGD (as of Sep 27, 2026) from 7 valuation models. Cautious scenario 1.75 SGD, optimistic scenario 2.91 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the SING INVESTMENTS & FINANCE LTD stock forecast for 2026?
Our models put fair value at 2.33 SGD, about +52% upside versus a price of 1.53 SGD (undervalued). Cautious scenario 1.75 SGD, optimistic scenario 2.91 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of SING INVESTMENTS & FINANCE LTD (S35)?
SING INVESTMENTS & FINANCE LTD reported trailing-twelve-month revenue of about 86.0M SGD (latest available figure, as of Sep 27, 2026).
Does SING INVESTMENTS & FINANCE LTD pay a dividend?
SING INVESTMENTS & FINANCE LTD currently shows a dividend yield of about 4.90% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of SING INVESTMENTS & FINANCE LTD (S35)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SING INVESTMENTS & FINANCE LTD it is 2.33 SGD per share (as of Sep 27, 2026), against a price of 1.53 SGD. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is SING INVESTMENTS & FINANCE LTD stock overvalued or undervalued in 2026?
As of Sep 27, 2026, S35 trades below its calculated fair value: price 1.53 SGD, fair value 2.33 SGD, a gap of about +52% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of S35?
No. The price is what the market pays today (1.53 SGD); the fair value is what the company's own numbers justify (2.33 SGD). For SING INVESTMENTS & FINANCE LTD the two are 0.8000 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is SING INVESTMENTS & FINANCE LTD worth?
The market values SING INVESTMENTS & FINANCE LTD at about 362M SGD (market capitalisation, as of Sep 27, 2026). Per share that is 1.53 SGD; our models calculate a fair value of 2.33 SGD per share.
What do the bullish and bearish scenarios say about S35?
Our models span a range for SING INVESTMENTS & FINANCE LTD: cautious scenario 1.75 SGD, base 2.33 SGD, optimistic 2.91 SGD per share (as of Sep 27, 2026, price 1.53 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of S35?
SING INVESTMENTS & FINANCE LTD trades at a price-to-earnings ratio of 7.3 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2.33 SGD is built from several models across several years. Other multiples: PEG 2.6, P/B 0.7, P/S 4.2, EV/EBITDA 7.1.
What is the PEG ratio of S35?
The PEG ratio of SING INVESTMENTS & FINANCE LTD is 2.58 (P/E divided by earnings growth, as of Sep 27, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of SING INVESTMENTS & FINANCE LTD (S35)?
Balance-sheet figures for SING INVESTMENTS & FINANCE LTD (as of Sep 27, 2026): return on equity 9.3%, debt of 0.00 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is S35 from its 52-week high?
SING INVESTMENTS & FINANCE LTD trades at 1.53 SGD, about 14% below its 52-week high of 1.77 SGD and 7% above the low of 1.43 SGD (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 2.33 SGD is for.
Which stocks are comparable to SING INVESTMENTS & FINANCE LTD?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SING INVESTMENTS & FINANCE LTD stock attractive at the current price?
The data as of Sep 27, 2026: price 1.53 SGD, calculated fair value 2.33 SGD (+52%), Quality Score 39/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of S35 calculated?
We run SING INVESTMENTS & FINANCE LTD through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 2.33 SGD, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. SING INVESTMENTS & FINANCE LTD currently trades 34 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SING INVESTMENTS & FINANCE LTD (S35)?
The closing price on Oct 2, 2026 was 1.53 SGD. Our model-based fair value is 2.33 SGD, about +52% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SING INVESTMENTS & FINANCE LTD right now?
The large discount to fair value meets weak quality (39/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (1.75 SGD). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of SING INVESTMENTS & FINANCE LTD
How large is the market capitalisation of SING INVESTMENTS & FINANCE LTD (S35)?
The market capitalisation of SING INVESTMENTS & FINANCE LTD is 362M SGD (≈ $283M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SING INVESTMENTS & FINANCE LTD (S35)?
The price-to-sales ratio of SING INVESTMENTS & FINANCE LTD is 2.37 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SING INVESTMENTS & FINANCE LTD (S35)?
Earnings per share at SING INVESTMENTS & FINANCE LTD are 0.2100 SGD (price ÷ EPS = P/E 7.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SING INVESTMENTS & FINANCE LTD (S35)?
The dividend yield of SING INVESTMENTS & FINANCE LTD is 4.9% (payout 35.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of SING INVESTMENTS & FINANCE LTD (S35)?
The net margin of SING INVESTMENTS & FINANCE LTD is 32.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SING INVESTMENTS & FINANCE LTD (S35)?
The return on equity (ROE) of SING INVESTMENTS & FINANCE LTD is 9.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SING INVESTMENTS & FINANCE LTD (S35)?
On an EBIT basis the return on assets of SING INVESTMENTS & FINANCE LTD is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of SING INVESTMENTS & FINANCE LTD (S35)?
The operating margin of SING INVESTMENTS & FINANCE LTD is 65.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SING INVESTMENTS & FINANCE LTD (S35)?
Revenue at SING INVESTMENTS & FINANCE LTD is growing +12.2% versus a year earlier (3y avg +20.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SING INVESTMENTS & FINANCE LTD (S35)?
Earnings per share at SING INVESTMENTS & FINANCE LTD are growing +16.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SING INVESTMENTS & FINANCE LTD (S35) generate?
The free cash flow of SING INVESTMENTS & FINANCE LTD is −57.1M SGD (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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