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IFS CapitalSGX:I49 39 Median PS Value is S$0.23 as of Jul. 23, 2026, which is 100% below its 10-year median of 1.07. 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 287 Credit Services companies, IFS Capital ranks better than 66.55% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. IFS Capital's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was S$0.166. IFS Capital's 10-Year median PS Ratio is 1.3855. Therefore, the Median PS Value for today is S$0.23.
As of today (2026-07-23), IFS Capital's share price is S$0.17. IFS Capital's Median PS Value is S$0.23. Therefore, IFS Capital's Price to Median PS Value for today is 0.74.
The historical rank and industry rank for IFS Capital's Median PS Value or its related term are showing as below:
SGX:I49'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.54 Med: 1.07 Max: 1.28
Current: 0.74
During the past 13 years, the highest Price to Median PS Value of IFS Capital was 1.28. The lowest was 0.54. And the median was 1.07.
SGX:I49's Price-to-Median-PS-Value is ranked better than 66.55% of 287
companies
in the Credit Services industry
Industry Median: 0.95
vs SGX:I49: 0.74
IFS Capital (SGX:I49) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
IFS Capital's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
0.17
/
0.23
=
0.74
* 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 Median PS Value Related Terms
IFS Capital Median PS Value Historical Data
* Premium members only.
The historical data trend for IFS Capital's Median PS Value 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 Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where IFS Capital's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.3855.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. IFS Capital's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was S$0.166.
* 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 Median PS Value of S$0.23 as of Jul. 23, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on IFS Capital and its competitors. This is 79% below median its historical median of 1.07. Over the past decade, IFS Capital's Median PS Value has ranged from 0.54 to 1.28. According to the industry distribution chart, IFS Capital ranks #96 out of 287 companies in the Credit Services industry, placing it in the top 33.4%.
Is IFS Capital's Median PS Value too high?
IFS Capital's current Median PS Value of S$0.23 is 79% below median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 1.28. Based on the distribution chart, IFS Capital ranks #96 out of 287 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 Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital ranks #96 out of 287 companies for Median PS Value. This puts IFS Capital in the upper half of its industry. The industry median Median PS Value is 0.95. Historically, IFS Capital's own Median PS Value has ranged from 0.54 to 1.28 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.95, based on 287 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on IFS Capital and its competitors. For the Credit Services industry, the median Median PS Value is 0.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital's current Median PS Value is S$0.23, which is 79% below median its own 10-year median of 1.07. 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 Median PS Value is S$0.23, which is 79% below median its 10-year median of 1.07. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For IFS Capital (SGX:I49), the current Median PS Value is S$0.23 as of Jul. 23, 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 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:
Median PS Value: S$0.23 (79% below median its 10-year median of 1.07)
GF Value™: S$0.19 vs. price of S$0.17 (10.5% below fair value)
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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