Sing Investments & Finance (SGX:S35) Interest Expense: S$-46.6 Mil (TTM As of Jun. 2026)

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SGX:S35 Sing Investments & Finance Ltd SGX:S35
90 GF Score
Price S$1.58
GF Value S$1.09
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Sing Investments & Finance Interest Expense?

Sing Investments & Finance SGX:S35 90 Interest Expense is S$-46.6 Mil as of Jun. 2026. GuruFocus rates SGX:S35 with a GF Score™ of 90/100 and a GF Value™ of S$1.09 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Sing Investments & Finance's interest expense for the six months ended in Jun. 2026 was S$ -19.2 Mil. Its interest expense for the trailing twelve months (TTM) ended in Jun. 2026 was S$-46.6 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Sing Investments & Finance's Operating Income for the six months ended in Jun. 2026 was S$ 41.4 Mil. Sing Investments & Finance's Interest Expense for the six months ended in Jun. 2026 was S$ -19.2 Mil. Sing Investments & Finance's Interest Coverage for the quarter that ended in Jun. 2026 was 2.16. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


Sing Investments & Finance  (SGX:S35) Interest Expense Explanation

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense. The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Sing Investments & Finance's Interest Expense for the six months ended in Jun. 2026 was S$-19.2 Mil. Its Operating Income for the six months ended in Jun. 2026 was S$41.4 Mil. And its Long-Term Debt & Capital Lease Obligation for the six months ended in Jun. 2026 was S$0.3 Mil.

Sing Investments & Finance's Interest Coverage for the quarter that ended in Jun. 2026 is calculated as

Interest Coverage=-1* Operating Income (Q: Jun. 2026 )/Interest Expense (Q: Jun. 2026 )
=-1*41.426/-19.157
=2.16

* 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.

The higher the ratio, the stronger the company's financial strength is.


Sing Investments & Finance Interest Expense Historical Data

* Premium members only.

The historical data trend for Sing Investments & Finance's Interest Expense 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 Interest Expense Chart

Sing Investments & Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -14.57 -21.40 -90.88 -86.11 -64.85

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
Interest Expense 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 -43.25 -42.85 -37.44 -27.40 -19.16
SGX:S35
90GF Score
Sing Investments & Finance Ltd SGX:S35
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sing Investments & Finance Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense 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$-46.6 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of S$-46.6 Mil mean?
Sing Investments & Finance (SGX:S35) has a Interest Expense of S$-46.6 Mil as of Jun. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Sing Investments & Finance and its competitors.
Is Sing Investments & Finance's Interest Expense too high?
Sing Investments & Finance's current Interest Expense is S$-46.6 Mil. Overall, Sing Investments & Finance has a GF Score™ of 90/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sing Investments & Finance's Interest Expense compare to V and MA?
Sing Investments & Finance's Interest Expense of S$-46.6 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Credit Services company?
A good Interest Expense depends on the Credit Services industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Sing Investments & Finance and its competitors. Sing Investments & Finance's current Interest Expense is S$-46.6 Mil. 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$1.58 — trading 45% above its estimated fair value. The current Interest Expense is S$-46.6 Mil. Sing Investments & Finance's overall GF Score™ is 90/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current Interest Expense is S$-46.6 Mil 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:

  • Interest Expense: S$-46.6 Mil
  • GF Value™: S$1.09 vs. price of S$1.58 (45% above fair value)
  • GF Score™: 90/100 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.
90GF Score

Get the complete analysis for SGX:S35

Interest Expense 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