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Sing Investments & FinanceSGX:S35 86 Net Margin % is 32.57% as of Dec. 2025, which is 5% above its 10-year median of 31.08. GuruFocus rates SGX:S35 with a GF Score™ of 86/100 and a GF Value™ of S$1.04 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 537 Credit Services companies, Sing Investments & Finance ranks better than 74.67% on this metric.
Sing Investments & Finance (SGX:S35) 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.
Sing Investments & Finance Net Margin % Related Terms
Sing Investments & Finance Net Margin % 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 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.
Sing Investments & Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sing Investments & Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sing Investments & 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.
Sing Investments & Finance (SGX:S35) has a Net Margin % of 32.57% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Sing Investments & Finance and its competitors. This is near median its historical median of 31.08. Over the past decade, Sing Investments & Finance's Net Margin % has ranged from 23.01 to 50.39. According to the industry distribution chart, Sing Investments & Finance ranks #136 out of 537 companies in the Credit Services industry, placing it in the top 25.3%.
Is Sing Investments & Finance's Net Margin % too high?
Sing Investments & Finance's current Net Margin % of 32.57% is near median its 10-year median of 31.08. Over the past 10 years, this metric has ranged from a low of 23.01 to a high of 50.39. The Credit Services industry median Net Margin % is 15.07. Sing Investments & Finance's value of 32.57% is 116.1% above this industry median. Based on the distribution chart, Sing Investments & Finance ranks #136 out of 537 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sing Investments & Finance has a GF Score™ of 86/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sing Investments & Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #136 out of 537 companies for Net Margin %. This puts Sing Investments & Finance in the upper half of its industry. The industry median Net Margin % is 15.07. Sing Investments & Finance's value of 32.57% is 116.1% above this benchmark. Historically, Sing Investments & Finance's own Net Margin % has ranged from 23.01 to 50.39 over the past decade. While the company's 10-year median is 31.08 vs. the industry median of 15.07, Sing Investments & 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 15.07, based on 537 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. Sing Investments & Finance's current Net Margin % of 32.57% is 116.1% 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 Sing Investments & Finance and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sing Investments & Finance's current Net Margin % is 32.57%, which is near median its own 10-year median of 31.08. 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 Net Margin % is 32.57%, which is near median its 10-year median of 31.08 and 116.1% above the Credit Services industry median of 15.07. Sing Investments & Finance's overall GF Score™ is 86/100 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 Sing Investments & Finance (SGX:S35), the current Net Margin % is 32.57% 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 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:
Net Margin %: 32.57% (near median its 10-year median of 31.08)
GF Value™: S$1.04 vs. price of S$1.58 (51.9% above fair value)
Industry Position: 116.1% above the Credit Services median (#136 of 537)
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.
86GF Score
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