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IFS CapitalSGX:I49 +4.17%46 PB Ratio is 0.37 as of Sep. 03, 2026, which is 5% below its 10-year median of 0.39. GuruFocus rates SGX:I49 with a GF Score™ of 46/100 and a GF Value™ of S$0.19 (Fairly Valued). The stock has 3 warning signs investors should review. Among 521 Credit Services companies, IFS Capital ranks better than 88.87% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-09-03), IFS Capital's share price is S$0.175. IFS Capital's Book Value per Share for the quarter that ended in Jun. 2026 was S$0.47. Hence, IFS Capital's PB Ratio of today is 0.37.
The historical rank and industry rank for IFS Capital's PB Ratio or its related term are showing as below:
SGX:I49'
s PB Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.39 Max: 0.74
Current: 0.36
During the past 13 years, IFS Capital's highest PB Ratio was 0.74. The lowest was 0.22. And the median was 0.39.
SGX:I49's PB Ratio is ranked better than 88.87% of 521
companies
in the Credit Services industry
Industry Median: 1.03
vs SGX:I49: 0.36
During the past 12 months, IFS Capital's average Book Value Per Share Growth Rate was 0.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -0.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of IFS Capital was 9.30% per year. The lowest was -22.00% per year. And the median was 0.10% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
IFS Capital PB Ratio Related Terms
IFS Capital PB Ratio Historical Data
* Premium members only.
The historical data trend for IFS Capital's PB 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.
For the Credit Services subindustry, IFS Capital's PB Ratio, along with its competitors' market caps and PB 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.
IFS Capital PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital's PB Ratio distribution charts can be found below:
* The bar in red indicates where IFS Capital's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
IFS Capital's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
IFS Capital (SGX:I49) has a PB Ratio of 0.37 as of Sep. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IFS Capital and its competitors. This is near median its historical median of 0.39. Over the past decade, IFS Capital's PB Ratio has ranged from 0.22 to 0.74. According to the industry distribution chart, IFS Capital ranks #58 out of 521 companies in the Credit Services industry, placing it in the top 11.1%.
Is IFS Capital's PB Ratio too high?
IFS Capital's current PB Ratio of 0.37 is near median its 10-year median of 0.39. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.74. The Credit Services industry median PB Ratio is 1.03. IFS Capital's value of 0.37 is 64.1% below this industry median. Based on the distribution chart, IFS Capital ranks #58 out of 521 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, IFS Capital has a GF Score™ of 46/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IFS Capital's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital ranks #58 out of 521 companies for PB Ratio. This places IFS Capital in the top 11% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.03. IFS Capital's value of 0.37 is 64.1% below this benchmark. Historically, IFS Capital's own PB Ratio has ranged from 0.22 to 0.74 over the past decade. While the company's 10-year median is 0.39 vs. the industry median of 1.03, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.03, based on 521 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IFS Capital's current PB Ratio of 0.37 is 64.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IFS Capital and its competitors. For the Credit Services industry, the median PB Ratio is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital's current PB Ratio is 0.37, which is near median its own 10-year median of 0.39. 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 Fairly Valued. The stock's GF Value™ is S$0.19, compared to a current price of S$0.18 — trading 7.9% below its estimated fair value. The current PB Ratio is 0.37, which is near median its 10-year median of 0.39 and 64.1% below the Credit Services industry median of 1.03. IFS Capital's overall GF Score™ is 46/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For IFS Capital (SGX:I49), the current PB Ratio is 0.37 as of Sep. 03, 2026. 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$0.18 is trading 7.9% below its estimated GF Value™ of S$0.19.
GuruFocus considers IFS Capital to be Fairly Valued.
Key valuation signals for SGX:I49:
PB Ratio: 0.37 (near median its 10-year median of 0.39)
GF Value™: S$0.19 vs. price of S$0.18 (7.9% below fair value)
Industry Position: 64.1% below the Credit Services median (#58 of 521)
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.
46GF Score
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