Sing Investments & Finance (SGX:S35) EBITDA per Share: S$0.44 (TTM As of Jun. 2026)

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SGX:S35 Sing Investments & Finance Ltd SGX:S35
95 GF Score
Price S$1.58
GF Value S$1.09
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Sing Investments & Finance EBITDA per Share?

Sing Investments & Finance SGX:S35 95 EBITDA per Share is S$0.44 as of Jun. 2026. GuruFocus rates SGX:S35 with a GF Score™ of 95/100 and a GF Value™ of S$1.09 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 323 Credit Services companies, Sing Investments & Finance ranks better than 63.16% on this metric.

Sing Investments & Finance's EBITDA per Share for the six months ended in Jun. 2026 was S$0.21. Its EBITDA per Share for the trailing twelve months (TTM) ended in Jun. 2026 was S$0.44.

During the past 12 months, the average EBITDA per Share Growth Rate of Sing Investments & Finance was -21.90% per year. During the past 3 years, the average EBITDA per Share Growth Rate was 20.20% per year. During the past 5 years, the average EBITDA per Share Growth Rate was 35.70% per year. During the past 10 years, the average EBITDA per Share Growth Rate was 25.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EBITDA per Share growth rate using EBITDA per Share data.

The historical rank and industry rank for Sing Investments & Finance's EBITDA per Share or its related term are showing as below:

SGX:S35' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -29.4   Med: 6   Max: 69.8
Current: 20.2

During the past 13 years, the highest 3-Year average EBITDA per Share Growth Rate of Sing Investments & Finance was 69.80% per year. The lowest was -29.40% per year. And the median was 6.00% per year.

SGX:S35's 3-Year EBITDA Growth Rate is ranked better than
63.16% of 323 companies
in the Credit Services industry
Industry Median: 9.2 vs SGX:S35: 20.20

Sing Investments & Finance's EBITDA for the six months ended in Jun. 2026 was S$50.5 Mil.

During the past 12 months, the average EBITDA Growth Rate of Sing Investments & Finance was -22.00% per year. During the past 3 years, the average EBITDA Growth Rate was 20.20% per year. During the past 5 years, the average EBITDA Growth Rate was 35.70% per year. During the past 10 years, the average EBITDA Growth Rate was 25.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EBITDA Growth Rate using EBITDA data.

During the past 13 years, the highest 3-Year average EBITDA Growth Rate of Sing Investments & Finance was 69.70% per year. The lowest was -21.10% per year. And the median was 5.95% per year.


Sing Investments & Finance  (SGX:S35) EBITDA per Share Explanation

EBITDA is a cash flow measure that ignores changes in working capital. EBITDA minus Depreciation, and Amortization (DA) equals EBIT. EBIT is profit before interest and taxes. Of course, Interest and taxes need to be paid.

While depreciation and amortization expenses do not need to be paid in cash, assets - especially tangible assets - do need to be replaced over time. EBITDA is not a measure of profit in any sense. EBITDA is a measure of cash generation by a business where the uses of that cash may be more or less discretionary depending on the nature of the business.

The EBITDA of a TV station is largely discretionary. Owners may use much of the EBITDA generated by a TV station as they see fit. The EBITDA of a railroad is largely non-discretionary. Owners must use much of the EBITDA generated by a railroad to replace the physical assets of the railroad or the business will literally fall apart over time.

EBITDA can be thought of as the cash a business generates that is available to:

Add more inventory
Add more receivables
Replace property, plant, and equipment
Add more property, plant, and equipment
Pay interest
Pay taxes
And finally: pay owners

EBITDA is widely used in financial analysis because Depreciation and Amortization are not present day cash expenses. Depreciation and amortization are the spreading out of the costs of assets over the time in which those assets provide benefits. Today's depreciation and amortization expenses relate to assets bought in the past. The assets being expensed may or may not need to be replaced in the future. And the cost to replace the assets may be more or less than it was in the past. For this reason, the depreciation and amortization expenses a company records in the present year may have no relationship to the actual cash costs needed to maintain its assets in future years.

A company's depreciation expense depends on both its expectations about the assets it owns and its choice of accounting methods. Two companies owning identical assets may have different depreciation expenses because they have different expectations about the useful lives of those assets and because they make different accounting choices.

Analysts use EBITDA to remove this element of personal choice from a company's accounting statements. The use of EBITDA is an attempt to make the results of different companies more comparable and uniform.


Be Aware

Although depreciation is not a cash cost, it is a real business cost because the company has to pay for the fixed assets when they purchase them. Both Warren Buffett and Charlie Munger hate the idea of EBITDA because in this calculation, depreciation is not counted as an expense.

EBITDA over Revenue is a good metric for comparing the operating efficiencies between companies because EBITDA is less vulnerable to companies' accounting choices. For this reason, EBITDA is used in ranking the Predictability of Companies.


Sing Investments & Finance EBITDA per Share Related Terms


Sing Investments & Finance EBITDA per Share Historical Data

* Premium members only.

The historical data trend for Sing Investments & Finance's EBITDA per Share 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.

Sing Investments & Finance EBITDA per Share Chart

Sing Investments & Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBITDA per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.23 0.29 0.56 0.56 0.50

Sing Investments & Finance Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
EBITDA per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.27 0.29 0.27 0.23 0.21
SGX:S35
95GF Score
Sing Investments & Finance Ltd SGX:S35
EBITDA per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sing Investments & Finance EBITDA per Share Calculation

EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

Sing Investments & Finance's EBITDA per Share for the fiscal year that ended in Dec. 2025 is calculated as

EBITDA per Share(A: Dec. 2025 )
=EBITDA/Shares Outstanding (Diluted Average)
=117.771/236.439
=0.50

Sing Investments & Finance's EBITDA per Share for the quarter that ended in Jun. 2026 is calculated as

EBITDA per Share(Q: Jun. 2026 )
=EBITDA/Shares Outstanding (Diluted Average)
=50.462/236.439
=0.21

EBITDA per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was S$0.44

* 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.

Frequently Asked Questions Learn more about EBITDA per Share →
What does a EBITDA per Share of S$0.44 mean?
Sing Investments & Finance (SGX:S35) has a EBITDA per Share of S$0.44 as of Jun. 2026. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on Sing Investments & Finance and its competitors. According to the industry distribution chart, Sing Investments & Finance ranks #119 out of 323 companies in the Credit Services industry, placing it in the top 36.8%.
Is Sing Investments & Finance's EBITDA per Share too high?
Sing Investments & Finance's current EBITDA per Share is S$0.44. Based on the distribution chart, Sing Investments & Finance ranks #119 out of 323 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sing Investments & Finance has a GF Score™ of 95/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sing Investments & Finance's EBITDA per Share compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #119 out of 323 companies for EBITDA per Share. This puts Sing Investments & Finance in the upper half of its industry. The industry median EBITDA per Share is 9.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA per Share for a Credit Services company?
The median EBITDA per Share among Credit Services companies is 9.20, based on 323 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA per Share significantly above this median, while those in the bottom quartile fall well below. However, EBITDA per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA per Share mean?
A high EBITDA per Share can signal that a stock is expensive relative to its fundamentals. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on Sing Investments & Finance and its competitors. For the Credit Services industry, the median EBITDA per Share is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sing Investments & Finance's current EBITDA per Share is S$0.44. 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$1.09, compared to a current price of S$1.58 — trading 45% above its estimated fair value. The current EBITDA per Share is S$0.44. Sing Investments & Finance's overall GF Score™ is 95/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA per Share calculated?
EBITDA per Share is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current EBITDA per Share is S$0.44 as of Jun. 2026. 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 45% above its estimated GF Value™ of S$1.09. GuruFocus considers Sing Investments & Finance to be Significantly Overvalued.

Key valuation signals for SGX:S35:

  • EBITDA per Share: S$0.44
  • GF Value™: S$1.09 vs. price of S$1.58 (45% above fair value)
  • GF Score™: 95/100 with 3 warning signs

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 Business Description

Address 96 Robinson Road, No: 01-01 SIF Building, Singapore, SGP, 068899
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.
95GF Score

Get the complete analysis for SGX:S35

EBITDA per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S$1.58
Price
S$1.09
GF Value