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IFS CapitalSGX:I49 39 FCF Margin % is 2.87% as of Dec. 2025. 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 532 Credit Services companies, IFS Capital ranks better than 55.45% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. IFS Capital's Free Cash Flow for the
six
months ended in Dec. 2025 was S$0.96 Mil. IFS Capital's Revenue for the
six
months ended in Dec. 2025 was S$33.39 Mil. Therefore, IFS Capital's FCF Margin % for the quarter that ended in Dec. 2025 was 2.87%.
The historical rank and industry rank for IFS Capital's FCF Margin % or its related term are showing as below:
SGX:I49'
s FCF Margin % Range Over the Past 10 Years
Min: -230.28 Med: -24.76 Max: 318.25
Current: 4.65
During the past 13 years, the highest FCF Margin % of IFS Capital was 318.25%. The lowest was -230.28%. And the median was -24.76%.
SGX:I49's FCF Margin % is ranked better than 55.45% of 532
companies
in the Credit Services industry
Industry Median: 0.295
vs SGX:I49: 4.65
IFS Capital FCF Margin % Related Terms
IFS Capital FCF Margin % Historical Data
* Premium members only.
The historical data trend for IFS Capital's FCF 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 FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital's FCF Margin % distribution charts can be found below:
* The bar in red indicates where IFS Capital's FCF 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 FCF Margin % of 2.87% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on IFS Capital and its competitors. According to the industry distribution chart, IFS Capital ranks #237 out of 532 companies in the Credit Services industry, placing it in the top 44.5%.
Is IFS Capital's FCF Margin % too high?
IFS Capital's current FCF Margin % is 2.87%. The Credit Services industry median FCF Margin % is 0.30. IFS Capital's value of 2.87% is 872.9% above this industry median. Based on the distribution chart, IFS Capital ranks #237 out of 532 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 FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital ranks #237 out of 532 companies for FCF Margin %. This puts IFS Capital in the upper half of its industry. The industry median FCF Margin % is 0.30. IFS Capital's value of 2.87% is 872.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.30, based on 532 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IFS Capital's current FCF Margin % of 2.87% is 872.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on IFS Capital and its competitors. For the Credit Services industry, the median FCF Margin % is 0.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital's current FCF Margin % is 2.87%. 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 FCF Margin % is 2.87% and 872.9% above the Credit Services industry median of 0.30. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For IFS Capital (SGX:I49), the current FCF Margin % is 2.87% 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:
FCF Margin %: 2.87%
GF Value™: S$0.19 vs. price of S$0.17 (10.5% below fair value)
Industry Position: 872.9% above the Credit Services median (#237 of 532)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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