Sing Investments & Finance (SGX:S35) Dividend Payout Ratio: 0.00 (As of Dec. 2025)

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SGX:S35 Sing Investments & Finance Ltd SGX:S35
86 GF Score
Price S$1.58
GF Value S$1.04
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Sing Investments & Finance Dividend Payout Ratio?

Sing Investments & Finance SGX:S35 86 Dividend Payout Ratio is 0.00 as of Dec. 2025. 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 192 Credit Services companies, Sing Investments & Finance ranks better than 60.94% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Sing Investments & Finance's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.00.

The historical rank and industry rank for Sing Investments & Finance's Dividend Payout Ratio or its related term are showing as below:

SGX:S35' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.18   Med: 0.39   Max: 0.59
Current: 0.23

During the past 13 years, the highest Dividend Payout Ratio of Sing Investments & Finance was 0.59. The lowest was 0.18. And the median was 0.39.

SGX:S35's Dividend Payout Ratio is ranked better than
60.94% of 192 companies
in the Credit Services industry
Industry Median: 0.29 vs SGX:S35: 0.23

As of today (2026-08-05), the Dividend Yield % of Sing Investments & Finance is 4.75%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Sing Investments & Finance was 7.05%. The lowest was 2.22%. And the median was 4.55%.

Sing Investments & Finance's Dividends per Share for the months ended in Dec. 2025 was S$0.00.

During the past 12 months, Sing Investments & Finance's average Dividends Per Share Growth Rate was 8.30% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 7.00% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 16.70% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 6.10% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Sing Investments & Finance was 42.10% per year. The lowest was -29.60% per year. And the median was 2.05% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Sing Investments & Finance (SGX:S35) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Sing Investments & Finance Dividend Payout Ratio Related Terms

Sing Investments & Finance Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Sing Investments & Finance's Dividend Payout Ratio 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.

Sing Investments & Finance Dividend Payout Ratio Chart

Sing Investments & Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.18 0.40 0.59 0.39 0.33

Sing Investments & Finance Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.44 0.00 0.36 0.00

SGX:S35 vs V, MA, AXP: Dividend Payout Ratio Comparison

For the Credit Services subindustry, Sing Investments & Finance's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Sing Investments & Finance's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Sing Investments & Finance's Dividend Payout Ratio falls into.


SGX:S35
86GF Score
Sing Investments & Finance Ltd SGX:S35
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sing Investments & Finance Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Sing Investments & Finance's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.065/ 0.195
=0.33

Sing Investments & Finance's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0/ 0.104
=0.00

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.00 mean?
Sing Investments & Finance (SGX:S35) has a Dividend Payout Ratio of 0.00 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Sing Investments & Finance and its competitors. Over the past decade, Sing Investments & Finance's Dividend Payout Ratio has ranged from 0.18 to 0.59. According to the industry distribution chart, Sing Investments & Finance ranks #75 out of 192 companies in the Credit Services industry, placing it in the top 39.1%.
Is Sing Investments & Finance's Dividend Payout Ratio too high?
Sing Investments & Finance's current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 0.59. Based on the distribution chart, Sing Investments & Finance ranks #75 out of 192 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 Dividend Payout Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #75 out of 192 companies for Dividend Payout Ratio. This puts Sing Investments & Finance in the upper half of its industry. The industry median Dividend Payout Ratio is 0.29. Historically, Sing Investments & Finance's own Dividend Payout Ratio has ranged from 0.18 to 0.59 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 Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.29, based on 192 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Sing Investments & Finance and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sing Investments & Finance's current Dividend Payout Ratio is 0.00. 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 Dividend Payout Ratio is 0.00. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current Dividend Payout Ratio is 0.00 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:

  • Dividend Payout Ratio: 0.00
  • GF Value™: S$1.04 vs. price of S$1.58 (51.9% above fair value)
  • GF Score™: 86/100 with 3 warning signs

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 Business Description

Address 96 Robinson Road, No: 01-01 SIF Building, Singapore, SGP, 068899
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

Get the complete analysis for SGX:S35

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S$1.58
Price
S$1.04
GF Value