Singapura FinanceSGX:S23 42 Net Margin % is 36.51% as of Dec. 2025, which is 24% above its 10-year median of 29.39. 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 533 Credit Services companies, Singapura Finance ranks better than 74.11% on this metric.
The historical rank and industry rank for Singapura Finance's Net Margin % or its related term are showing as below:
SGX:S23'
s Net Margin % Range Over the Past 10 Years
Min: 19.27 Med: 29.39 Max: 37.74
Current: 31.2
SGX:S23's Net Margin % is ranked better than 74.11% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs SGX:S23: 31.20
Singapura Finance (SGX:S23) 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.
Singapura Finance Net Margin % Related Terms
Singapura Finance Net Margin % Historical Data
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The historical data trend for Singapura Finance'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, Singapura Finance'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.
Singapura Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Singapura Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Singapura Finance'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.
Singapura Finance (SGX:S23) has a Net Margin % of 36.51% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Singapura Finance and its competitors. This is 24% above median its historical median of 29.39. Over the past decade, Singapura Finance's Net Margin % has ranged from 19.27 to 37.74. According to the industry distribution chart, Singapura Finance ranks #138 out of 533 companies in the Credit Services industry, placing it in the top 25.9%.
Is Singapura Finance's Net Margin % too high?
Singapura Finance's current Net Margin % of 36.51% is 24% above median its 10-year median of 29.39. Over the past 10 years, this metric has ranged from a low of 19.27 to a high of 37.74. The Credit Services industry median Net Margin % is 14.54. Singapura Finance's value of 36.51% is 151.1% above this industry median. Based on the distribution chart, Singapura Finance ranks #138 out of 533 companies in the Credit Services industry, which is above the industry midpoint. 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Singapura Finance ranks #138 out of 533 companies for Net Margin %. This puts Singapura Finance in the upper half of its industry. The industry median Net Margin % is 14.54. Singapura Finance's value of 36.51% is 151.1% above this benchmark. Historically, Singapura Finance's own Net Margin % has ranged from 19.27 to 37.74 over the past decade. While the company's 10-year median is 29.39 vs. the industry median of 14.54, Singapura Finance has consistently been above 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 14.54, based on 533 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. Singapura Finance's current Net Margin % of 36.51% is 151.1% above 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 Singapura Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Singapura Finance's current Net Margin % is 36.51%, which is 24% above median its own 10-year median of 29.39. 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 Net Margin % is 36.51%, which is 24% above median its 10-year median of 29.39 and 151.1% above the Credit Services industry median of 14.54. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Singapura Finance (SGX:S23), the current Net Margin % is 36.51% 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:
Net Margin %: 36.51% (24% above median its 10-year median of 29.39)
GF Value™: S$0.88 vs. price of S$0.81 (8% below fair value)
Industry Position: 151.1% above the Credit Services median (#138 of 533)
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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