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IFS CapitalSGX:I49 39 Net Margin % is 8.96% as of Dec. 2025, which is 17% above its 10-year median of 7.63. 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 535 Credit Services companies, IFS Capital ranks worse than 65.79% on this metric.
Net margin is calculated as Net Income divided by its Revenue. IFS Capital's Net Income for the
six
months ended in Dec. 2025 was S$2.99 Mil. IFS Capital's Revenue for the
six
months ended in Dec. 2025 was S$33.39 Mil. Therefore, IFS Capital's net margin for the quarter that ended in Dec. 2025 was 8.96%.
The historical rank and industry rank for IFS Capital's Net Margin % or its related term are showing as below:
SGX:I49'
s Net Margin % Range Over the Past 10 Years
Min: -6.51 Med: 7.63 Max: 40.11
Current: 7.59
SGX:I49's Net Margin % is ranked worse than 65.79% of 535
companies
in the Credit Services industry
Industry Median: 14.78
vs SGX:I49: 7.59
IFS Capital (SGX:I49) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
IFS Capital Net Margin % Related Terms
IFS Capital Net Margin % Historical Data
* Premium members only.
The historical data trend for IFS Capital's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital's Net Margin % distribution charts can be found below:
* The bar in red indicates where IFS Capital's Net 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 Net Margin % of 8.96% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on IFS Capital and its competitors. This is 17% above median its historical median of 7.63. According to the industry distribution chart, IFS Capital ranks #352 out of 535 companies in the Credit Services industry, placing it in the top 65.8%.
Is IFS Capital's Net Margin % too high?
IFS Capital's current Net Margin % of 8.96% is 17% above median its 10-year median of 7.63. The Credit Services industry median Net Margin % is 14.78. IFS Capital's value of 8.96% is 39.4% below this industry median. Based on the distribution chart, IFS Capital ranks #352 out of 535 companies in the Credit Services industry, which is below 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital ranks #352 out of 535 companies for Net Margin %. This places IFS Capital in the lower half of its industry. The industry median Net Margin % is 14.78. IFS Capital's value of 8.96% is 39.4% below this benchmark. While the company's 10-year median is 7.63 vs. the industry median of 14.78, IFS Capital has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.78, based on 535 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IFS Capital's current Net Margin % of 8.96% is 39.4% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on IFS Capital and its competitors. For the Credit Services industry, the median Net Margin % is 14.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital's current Net Margin % is 8.96%, which is 17% above median its own 10-year median of 7.63. 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 Net Margin % is 8.96%, which is 17% above median its 10-year median of 7.63 and 39.4% below the Credit Services industry median of 14.78. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For IFS Capital (SGX:I49), the current Net Margin % is 8.96% 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:
Net Margin %: 8.96% (17% above median its 10-year median of 7.63)
GF Value™: S$0.19 vs. price of S$0.17 (10.5% below fair value)
Industry Position: 39.4% below the Credit Services median (#352 of 535)
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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