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IFS CapitalSGX:I49 42 PEG Ratio is 1.73 as of Aug. 25, 2026, which is at its 10-year median of 1.73. GuruFocus rates SGX:I49 with a GF Score™ of 42/100 and a GF Value™ of S$0.19 (Fairly Valued). The stock has 3 warning signs investors should review. Among 237 Credit Services companies, IFS Capital ranks worse than 65.82% on this metric.
PE Ratio without NRI / 5-Year EBITDA Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use is the 5-Year EBITDA growth rate. As of today, IFS Capital's PE Ratio without NRI is 13.85. IFS Capital's 5-Year EBITDA growth rate is 8.00%. Therefore, IFS Capital's PEG Ratio for today is 1.73.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for IFS Capital's PEG Ratio or its related term are showing as below:
SGX:I49'
s PEG Ratio Range Over the Past 10 Years
Min: 1.59 Med: 1.73 Max: 2.17
Current: 1.73
During the past 13 years, IFS Capital's highest PEG Ratio was 2.17. The lowest was 1.59. And the median was 1.73.
SGX:I49's PEG Ratio is ranked worse than 65.82% of 237
companies
in the Credit Services industry
Industry Median: 0.83
vs SGX:I49: 1.73
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
IFS Capital PEG Ratio Related Terms
IFS Capital PEG Ratio Historical Data
* Premium members only.
The historical data trend for IFS Capital's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital's PEG Ratio distribution charts can be found below:
* The bar in red indicates where IFS Capital's PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
IFS Capital (SGX:I49) has a PEG Ratio of 1.73 as of Aug. 25, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on IFS Capital and its competitors. This is near median its historical median of 1.73. Over the past decade, IFS Capital's PEG Ratio has ranged from 1.59 to 2.17. According to the industry distribution chart, IFS Capital ranks #156 out of 237 companies in the Credit Services industry, placing it in the top 65.8%.
Is IFS Capital's PEG Ratio too high?
IFS Capital's current PEG Ratio of 1.73 is near median its 10-year median of 1.73. Over the past 10 years, this metric has ranged from a low of 1.59 to a high of 2.17. The Credit Services industry median PEG Ratio is 0.83. IFS Capital's value of 1.73 is 108.4% above this industry median. Based on the distribution chart, IFS Capital ranks #156 out of 237 companies in the Credit Services industry, which is below the industry midpoint. Overall, IFS Capital has a GF Score™ of 42/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IFS Capital's PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital ranks #156 out of 237 companies for PEG Ratio. This places IFS Capital in the lower half of its industry. The industry median PEG Ratio is 0.83. IFS Capital's value of 1.73 is 108.4% above this benchmark. Historically, IFS Capital's own PEG Ratio has ranged from 1.59 to 2.17 over the past decade. While the company's 10-year median is 1.73 vs. the industry median of 0.83, IFS Capital 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.83, based on 237 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IFS Capital's current PEG Ratio of 1.73 is 108.4% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on IFS Capital and its competitors. For the Credit Services industry, the median PEG Ratio is 0.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital's current PEG Ratio is 1.73, which is near median its own 10-year median of 1.73. 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 5.3% below its estimated fair value. The current PEG Ratio is 1.73, which is near median its 10-year median of 1.73 and 108.4% above the Credit Services industry median of 0.83. IFS Capital'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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For IFS Capital (SGX:I49), the current PEG Ratio is 1.73 as of Aug. 25, 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 5.3% below its estimated GF Value™ of S$0.19.
GuruFocus considers IFS Capital to be Fairly Valued.
Key valuation signals for SGX:I49:
PEG Ratio: 1.73 (near median its 10-year median of 1.73)
GF Value™: S$0.19 vs. price of S$0.18 (5.3% below fair value)
Industry Position: 108.4% above the Credit Services median (#156 of 237)
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.
42GF Score
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