Singapura FinanceSGX:S23 42 FCF Margin % is 128.92% as of Dec. 2025, which is 245% above its 10-year median of 37.35. GuruFocus rates SGX:S23 with a GF Score™ of 42/100 and a GF Value™ of S$0.88 (Fairly Valued). The stock has 3 warning signs investors should review. Among 530 Credit Services companies, Singapura Finance ranks better than 83.02% on this metric.
The historical rank and industry rank for Singapura Finance's FCF Margin % or its related term are showing as below:
SGX:S23'
s FCF Margin % Range Over the Past 10 Years
Min: -439.99 Med: 37.35 Max: 352.66
Current: 64.72
During the past 13 years, the highest FCF Margin % of Singapura Finance was 352.66%. The lowest was -439.99%. And the median was 37.35%.
SGX:S23's FCF Margin % is ranked better than 83.02% of 530
companies
in the Credit Services industry
Industry Median: -0.06
vs SGX:S23: 64.72
Singapura Finance FCF Margin % Related Terms
Singapura Finance FCF Margin % Historical Data
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The historical data trend for Singapura Finance'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, Singapura Finance'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.
Singapura Finance FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Singapura Finance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Singapura Finance'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.
Singapura Finance (SGX:S23) has a FCF Margin % of 128.92% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Singapura Finance and its competitors. This is 245% above median its historical median of 37.35. According to the industry distribution chart, Singapura Finance ranks #90 out of 530 companies in the Credit Services industry, placing it in the top 17%.
Is Singapura Finance's FCF Margin % too high?
Singapura Finance's current FCF Margin % of 128.92% is 245% above median its 10-year median of 37.35. Based on the distribution chart, Singapura Finance ranks #90 out of 530 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Singapura Finance has a GF Score™ of 42/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Singapura Finance's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Singapura Finance ranks #90 out of 530 companies for FCF Margin %. This places Singapura Finance in the top 17% of its industry — outperforming the majority of peers. 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?
A good FCF Margin % depends on the Credit Services industry context. However, FCF Margin % 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 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 Singapura Finance and its competitors. Singapura Finance's current FCF Margin % is 128.92%, which is 245% above median its own 10-year median of 37.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Singapura Finance stock overvalued right now?
Based on GuruFocus' analysis, Singapura Finance (SGX:S23) is currently considered Fairly Valued. The stock's GF Value™ is S$0.88, compared to a current price of S$0.81 — trading 8% below its estimated fair value. The current FCF Margin % is 128.92%, which is 245% above median its 10-year median of 37.35. Singapura Finance's overall GF Score™ is 42/100 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 Singapura Finance (SGX:S23), the current FCF Margin % is 128.92% 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 Singapura Finance (SGX:S23) Overvalued in 2026?
Based on GuruFocus' analysis, Singapura Finance stock appears to be undervalued.
The current stock price of S$0.81 is trading 8% below its estimated GF Value™ of S$0.88.
GuruFocus considers Singapura Finance to be Fairly Valued.
Key valuation signals for SGX:S23:
FCF Margin %: 128.92% (245% above median its 10-year median of 37.35)
GF Value™: S$0.88 vs. price of S$0.81 (8% below fair value)
No single metric tells the full story. See the SGX:S23 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Singapura Finance Ltd is engaged in the finance business. The company offers personal banking services, including savings and fixed deposits accounts, which consist of savings for juniors, adults, and for seniors. The company also provides personal loans, such as mortgage loans, car loans, and pleasure craft financing. Its business banking includes commercial and industrial property financing, equipment and machinery financing, inventory financing, property development financing, commercial vehicle financing, vessel financing, block discounting, and other related services. The group operates in single segment that relstes to financing business and its ctivities are carried out in the Republic of Singapore.
42GF Score
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