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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Sing Investments & Finance's Enterprise Value is S$73.5 Mil.
Sing Investments & Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was S$-57.1 Mil. Therefore, Sing Investments & Finance's EV-to-FCF for today is -1.29.
The historical rank and industry rank for Sing Investments & Finance's EV-to-FCF or its related term are showing as below:
SGX:S35'
s EV-to-FCF Range Over the Past 10 Years
Min: -5.18 Med: -0.42 Max: 11.97
Current: -1.25
During the past 13 years, the highest EV-to-FCF of Sing Investments & Finance was 11.97. The lowest was -5.18. And the median was -0.42.
SGX:S35's EV-to-FCF is ranked worse than 100% of 267
companies
in the Credit Services industry
Industry Median: 13.81
vs SGX:S35: -1.25
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Sing Investments & Finance (SGX:S35) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Sing Investments & Finance's PE Ratio (TTM) for today is calculated as:
Sing Investments & Finance's share price for today is S$1.58.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Sing Investments & Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was S$0.271.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Sing Investments & Finance EV-to-FCF Related Terms
Sing Investments & Finance EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sing Investments & Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Sing Investments & Finance's EV-to-FCF falls into.
Sing Investments & Finance's current Enterprise Value is S$73.5 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Sing Investments & Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was S$-57.1 Mil.
* 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 EV-to-FCF of -1.29 as of Aug. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sing Investments & Finance and its competitors. According to the industry distribution chart, Sing Investments & Finance ranks #999999 out of 267 companies in the Credit Services industry.
Is Sing Investments & Finance's EV-to-FCF too high?
Sing Investments & Finance's current EV-to-FCF is -1.29. Based on the distribution chart, Sing Investments & Finance ranks #999999 out of 267 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Sing Investments & Finance has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sing Investments & Finance's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #999999 out of 267 companies for EV-to-FCF. This places Sing Investments & Finance in the lower half of its industry. The industry median EV-to-FCF is 13.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.81, based on 267 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sing Investments & Finance and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sing Investments & Finance's current EV-to-FCF is -1.29. 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 EV-to-FCF is -1.29. Sing Investments & Finance's overall GF Score™ is 88/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current EV-to-FCF is -1.29 as of Aug. 05, 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 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:
EV-to-FCF: -1.29
GF Value™: S$1.04 vs. price of S$1.58 (51.9% above fair value)
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.
88GF Score
Get the complete analysis for SGX:S35
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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