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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Sing Investments & FinanceSGX:S35 88 Median PS Value is S$1.73 as of Aug. 05, 2026, which is 100% below its 10-year median of 0.74. GuruFocus rates SGX:S35 with a GF Score™ of 88/100 and a GF Value™ of S$1.04 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 288 Credit Services companies, Sing Investments & Finance ranks better than 54.51% 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.
The historical rank and industry rank for Sing Investments & Finance's Median PS Value or its related term are showing as below:
SGX:S35'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.58 Med: 0.74 Max: 0.97
Current: 0.91
During the past 13 years, the highest Price to Median PS Value of Sing Investments & Finance was 0.97. The lowest was 0.58. And the median was 0.74.
SGX:S35's Price-to-Median-PS-Value is ranked better than 54.51% of 288
companies
in the Credit Services industry
Industry Median: 0.945
vs SGX:S35: 0.91
Sing Investments & Finance (SGX:S35) 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.
Sing Investments & Finance's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
1.58
/
1.73
=
0.91
* 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 Median PS Value Related Terms
Sing Investments & Finance Median PS Value 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 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.
Sing Investments & Finance Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sing Investments & Finance's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Sing Investments & Finance's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 3.1397.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Sing Investments & Finance's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was S$0.551.
* 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 Median PS Value of S$1.73 as of Aug. 05, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Sing Investments & Finance and its competitors. This is 134% above median its historical median of 0.74. Over the past decade, Sing Investments & Finance's Median PS Value has ranged from 0.58 to 0.97. According to the industry distribution chart, Sing Investments & Finance ranks #131 out of 288 companies in the Credit Services industry, placing it in the top 45.5%.
Is Sing Investments & Finance's Median PS Value too high?
Sing Investments & Finance's current Median PS Value of S$1.73 is 134% above median its 10-year median of 0.74. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 0.97. Based on the distribution chart, Sing Investments & Finance ranks #131 out of 288 companies in the Credit Services industry, which is above the industry midpoint. 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 Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #131 out of 288 companies for Median PS Value. This puts Sing Investments & Finance in the upper half of its industry. The industry median Median PS Value is 0.95. Historically, Sing Investments & Finance's own Median PS Value has ranged from 0.58 to 0.97 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 288 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 Sing Investments & Finance 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. Sing Investments & Finance's current Median PS Value is S$1.73, which is 134% above median its own 10-year median of 0.74. 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 Median PS Value is S$1.73, which is 134% above median its 10-year median of 0.74. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current Median PS Value is S$1.73 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:
Median PS Value: S$1.73 (134% above median its 10-year median of 0.74)
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
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Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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