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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 86 Operating Margin % is 75.88% as of Dec. 2025, which is 29% above its 10-year median of 58.70. 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 416 Credit Services companies, Sing Investments & Finance ranks better than 95.67% on this metric.
Sing Investments & Finance (SGX:S35) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Sing Investments & Finance Operating Margin % Related Terms
Sing Investments & Finance Operating 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.
Sing Investments & Finance Operating Margin % Chart
SGX:S35 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Sing Investments & Finance's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sing Investments & Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Sing Investments & Finance's Operating Margin % falls into.
Sing Investments & Finance Operating Margin % Calculation
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Sing Investments & Finance's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Operating Margin % of 75.88% as of Dec. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on Sing Investments & Finance and its competitors. This is 29% above median its historical median of 58.70. Over the past decade, Sing Investments & Finance's Operating Margin % has ranged from 22.87 to 78.80. According to the industry distribution chart, Sing Investments & Finance ranks #18 out of 416 companies in the Credit Services industry, placing it in the top 4.3%.
Is Sing Investments & Finance's Operating Margin % too high?
Sing Investments & Finance's current Operating Margin % of 75.88% is 29% above median its 10-year median of 58.70. Over the past 10 years, this metric has ranged from a low of 22.87 to a high of 78.80. The Credit Services industry median Operating Margin % is 17.91. Sing Investments & Finance's value of 75.88% is 323.8% above this industry median. Based on the distribution chart, Sing Investments & Finance ranks #18 out of 416 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #18 out of 416 companies for Operating Margin %. This places Sing Investments & Finance in the top 4% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.91. Sing Investments & Finance's value of 75.88% is 323.8% above this benchmark. Historically, Sing Investments & Finance's own Operating Margin % has ranged from 22.87 to 78.80 over the past decade. While the company's 10-year median is 58.70 vs. the industry median of 17.91, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.91, based on 416 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sing Investments & Finance's current Operating Margin % of 75.88% is 323.8% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Sing Investments & Finance and its competitors. For the Credit Services industry, the median Operating Margin % is 17.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sing Investments & Finance's current Operating Margin % is 75.88%, which is 29% above median its own 10-year median of 58.70. 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 Operating Margin % is 75.88%, which is 29% above median its 10-year median of 58.70 and 323.8% above the Credit Services industry median of 17.91. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current Operating Margin % is 75.88% 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:
Operating Margin %: 75.88% (29% above median its 10-year median of 58.70)
GF Value™: S$1.04 vs. price of S$1.58 (51.9% above fair value)
Industry Position: 323.8% above the Credit Services median (#18 of 416)
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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