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Sing Investments & FinanceSGX:S35 86 EBITDA Margin % is 83.89% as of Dec. 2025, which is 23% above its 10-year median of 68.37. GuruFocus rates SGX:S35 with a GF Score™ of 86/100 and a GF Value™ of S$1.04 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 418 Credit Services companies, Sing Investments & Finance ranks better than 96.17% on this metric.
Sing Investments & Finance (SGX:S35) 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.
Sing Investments & Finance EBITDA Margin % Related Terms
Sing Investments & Finance EBITDA Margin % Historical Data
* 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, Sing Investments & Finance'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.
Sing Investments & Finance EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sing Investments & Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Sing Investments & Finance'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.
Sing Investments & Finance (SGX:S35) has a EBITDA Margin % of 83.89% 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 Sing Investments & Finance and its competitors. This is 23% above median its historical median of 68.37. Over the past decade, Sing Investments & Finance's EBITDA Margin % has ranged from 24.61 to 111.96. According to the industry distribution chart, Sing Investments & Finance ranks #16 out of 418 companies in the Credit Services industry, placing it in the top 3.8%.
Is Sing Investments & Finance's EBITDA Margin % too high?
Sing Investments & Finance's current EBITDA Margin % of 83.89% is 23% above median its 10-year median of 68.37. Over the past 10 years, this metric has ranged from a low of 24.61 to a high of 111.96. The Credit Services industry median EBITDA Margin % is 21.53. Sing Investments & Finance's value of 83.89% is 289.6% above this industry median. Based on the distribution chart, Sing Investments & Finance ranks #16 out of 418 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Sing Investments & Finance has a GF Score™ of 86/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sing Investments & Finance's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #16 out of 418 companies for EBITDA Margin %. This places Sing Investments & Finance in the top 4% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 21.53. Sing Investments & Finance's value of 83.89% is 289.6% above this benchmark. Historically, Sing Investments & Finance's own EBITDA Margin % has ranged from 24.61 to 111.96 over the past decade. While the company's 10-year median is 68.37 vs. the industry median of 21.53, Sing Investments & Finance 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 418 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. Sing Investments & Finance's current EBITDA Margin % of 83.89% is 289.6% 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 Sing Investments & Finance 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. Sing Investments & Finance's current EBITDA Margin % is 83.89%, which is 23% above median its own 10-year median of 68.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sing Investments & Finance stock overvalued right now?
Based on GuruFocus' analysis, Sing Investments & Finance (SGX:S35) is currently considered Significantly Overvalued. The stock's GF Value™ is S$1.04, compared to a current price of S$1.58 — trading 51.9% above its estimated fair value. The current EBITDA Margin % is 83.89%, which is 23% above median its 10-year median of 68.37 and 289.6% above the Credit Services industry median of 21.53. Sing Investments & Finance's overall GF Score™ is 86/100 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 Sing Investments & Finance (SGX:S35), the current EBITDA Margin % is 83.89% 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 Sing Investments & Finance (SGX:S35) Overvalued in 2026?
Based on GuruFocus' analysis, Sing Investments & Finance stock appears to be overvalued.
The current stock price of S$1.58 is trading 51.9% above its estimated GF Value™ of S$1.04.
GuruFocus considers Sing Investments & Finance to be Significantly Overvalued.
Key valuation signals for SGX:S35:
EBITDA Margin %: 83.89% (23% above median its 10-year median of 68.37)
GF Value™: S$1.04 vs. price of S$1.58 (51.9% above fair value)
Industry Position: 289.6% above the Credit Services median (#16 of 418)
No single metric tells the full story. See the SGX:S35 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sing Investments & Finance Ltd offers a range of financial products and services for both individuals and corporate/SME customers in Singapore. Its deposit products include business current, conveyancing, savings, GIRO saver, GoSavers, GoVault, and fixed deposit accounts. Personal financing covers housing and HDB loans, car loans, share loans, and commercial property loans, supported by personal e-services through SIF Mobile and SIF Online. For corporate and SME clients, the company provides financing solutions such as commercial property, land and construction, machinery, shipping, and floor stock loans, along with government-backed SME loans, invoice factoring, and unsecured business loans, supported by SIF BIZ Mobile and SIF BIZ Online platforms.
86GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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