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IFS CapitalSGX:I49 39 EBITDA Margin % is 29.41% as of Dec. 2025, which is 7% below its 10-year median of 31.75. GuruFocus rates SGX:I49 with a GF Score™ of 39/100 and a GF Value™ of S$0.19 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 416 Credit Services companies, IFS Capital ranks better than 59.62% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. IFS Capital's EBITDA for the
six
months ended in Dec. 2025 was S$9.82 Mil. IFS Capital's Revenue for the
six
months ended in Dec. 2025 was S$33.39 Mil. Therefore, IFS Capital's EBITDA margin for the quarter that ended in Dec. 2025 was 29.41%.
IFS Capital (SGX:I49) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
IFS Capital EBITDA Margin % Related Terms
IFS Capital EBITDA Margin % Historical Data
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The historical data trend for IFS Capital's EBITDA Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, IFS Capital's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
IFS Capital EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where IFS Capital's EBITDA Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
IFS Capital (SGX:I49) has a EBITDA Margin % of 29.41% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on IFS Capital and its competitors. This is near median its historical median of 31.75. Over the past decade, IFS Capital's EBITDA Margin % has ranged from 20.35 to 70.45. According to the industry distribution chart, IFS Capital ranks #168 out of 416 companies in the Credit Services industry, placing it in the top 40.4%.
Is IFS Capital's EBITDA Margin % too high?
IFS Capital's current EBITDA Margin % of 29.41% is near median its 10-year median of 31.75. Over the past 10 years, this metric has ranged from a low of 20.35 to a high of 70.45. The Credit Services industry median EBITDA Margin % is 21.53. IFS Capital's value of 29.41% is 36.6% above this industry median. Based on the distribution chart, IFS Capital ranks #168 out of 416 companies in the Credit Services industry, which is above the industry midpoint. Overall, IFS Capital has a GF Score™ of 39/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does IFS Capital's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital ranks #168 out of 416 companies for EBITDA Margin %. This puts IFS Capital in the upper half of its industry. The industry median EBITDA Margin % is 21.53. IFS Capital's value of 29.41% is 36.6% above this benchmark. Historically, IFS Capital's own EBITDA Margin % has ranged from 20.35 to 70.45 over the past decade. While the company's 10-year median is 31.75 vs. the industry median of 21.53, IFS Capital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.53, based on 416 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IFS Capital's current EBITDA Margin % of 29.41% is 36.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on IFS Capital and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital's current EBITDA Margin % is 29.41%, which is near median its own 10-year median of 31.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFS Capital stock overvalued right now?
Based on GuruFocus' analysis, IFS Capital (SGX:I49) is currently considered Modestly Undervalued. The stock's GF Value™ is S$0.19, compared to a current price of S$0.17 — trading 10.5% below its estimated fair value. The current EBITDA Margin % is 29.41%, which is near median its 10-year median of 31.75 and 36.6% above the Credit Services industry median of 21.53. IFS Capital's overall GF Score™ is 39/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For IFS Capital (SGX:I49), the current EBITDA Margin % is 29.41% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is IFS Capital (SGX:I49) Overvalued in 2026?
Based on GuruFocus' analysis, IFS Capital stock appears to be undervalued.
The current stock price of S$0.17 is trading 10.5% below its estimated GF Value™ of S$0.19.
GuruFocus considers IFS Capital to be Modestly Undervalued.
Key valuation signals for SGX:I49:
EBITDA Margin %: 29.41% (near median its 10-year median of 31.75)
GF Value™: S$0.19 vs. price of S$0.17 (10.5% below fair value)
Industry Position: 36.6% above the Credit Services median (#168 of 416)
No single metric tells the full story. See the SGX:I49 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IFS Capital Ltd is a specialist financial institution providing private credit origination, insurance, and asset management services to SMEs, consumers, and investors across Asia. Its segments are Private Credit, Insurance, Private Equity and Other Investments, and Asset Management. The Private Credit segment generates the maximum revenue and focuses on commercial finance solutions for corporate clients, particularly small and medium-sized enterprises. Its services include accounts receivable financing, trade financing, asset-based loans, working capital financing, leasing, hire purchase, and participation in the Enterprise Financing Scheme administered by Enterprise Singapore. This segment also includes consumer loan services. It generates maximum revenue from Thailand.
39GF Score
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