Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Singapura FinanceSGX:S23 +1.25%42 PEG Ratio is 17.23 as of Aug. 04, 2026, which is 38% below its 10-year median of 27.94. GuruFocus rates SGX:S23 with a GF Score™ of 42/100 and a GF Value™ of S$0.88 (Fairly Valued). The stock has 3 warning signs investors should review. Among 233 Credit Services companies, Singapura Finance ranks worse than 95.28% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value 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 Singapura Finance's PEG Ratio or its related term are showing as below:
SGX:S23'
s PEG Ratio Range Over the Past 10 Years
Min: 16.92 Med: 27.94 Max: 31.19
Current: 17.24
During the past 13 years, Singapura Finance's highest PEG Ratio was 31.19. The lowest was 16.92. And the median was 27.94.
SGX:S23's PEG Ratio is ranked worse than 95.28% of 233
companies
in the Credit Services industry
Industry Median: 0.91
vs SGX:S23: 17.24
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.
Singapura Finance PEG Ratio Related Terms
Singapura Finance PEG Ratio Historical Data
* Premium members only.
The historical data trend for Singapura Finance'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, Singapura Finance'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.
Singapura Finance PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Singapura Finance's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Singapura Finance'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 Book Value Growth Rate is the 5-year average Book Value 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.
Singapura Finance (SGX:S23) has a PEG Ratio of 17.23 as of Aug. 04, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Singapura Finance and its competitors. This is 38% below median its historical median of 27.94. Over the past decade, Singapura Finance's PEG Ratio has ranged from 16.92 to 31.19. According to the industry distribution chart, Singapura Finance ranks #222 out of 233 companies in the Credit Services industry, placing it in the top 95.3%.
Is Singapura Finance's PEG Ratio too high?
Singapura Finance's current PEG Ratio of 17.23 is 38% below median its 10-year median of 27.94. Over the past 10 years, this metric has ranged from a low of 16.92 to a high of 31.19. The Credit Services industry median PEG Ratio is 0.91. Singapura Finance's value of 17.23 is 1793.4% above this industry median. Based on the distribution chart, Singapura Finance ranks #222 out of 233 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Singapura Finance has a GF Score™ of 42/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Singapura Finance's PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Singapura Finance ranks #222 out of 233 companies for PEG Ratio. This places Singapura Finance in the lower half of its industry. The industry median PEG Ratio is 0.91. Singapura Finance's value of 17.23 is 1793.4% above this benchmark. Historically, Singapura Finance's own PEG Ratio has ranged from 16.92 to 31.19 over the past decade. While the company's 10-year median is 27.94 vs. the industry median of 0.91, Singapura 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.91, based on 233 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. Singapura Finance's current PEG Ratio of 17.23 is 1793.4% 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 Singapura Finance and its competitors. For the Credit Services industry, the median PEG Ratio is 0.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Singapura Finance's current PEG Ratio is 17.23, which is 38% below median its own 10-year median of 27.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Singapura Finance stock overvalued right now?
Based on GuruFocus' analysis, Singapura Finance (SGX:S23) is currently considered Fairly Valued. The stock's GF Value™ is S$0.88, compared to a current price of S$0.81 — trading 8% below its estimated fair value. The current PEG Ratio is 17.23, which is 38% below median its 10-year median of 27.94 and 1793.4% above the Credit Services industry median of 0.91. Singapura Finance'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 Singapura Finance (SGX:S23), the current PEG Ratio is 17.23 as of Aug. 04, 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 Singapura Finance (SGX:S23) Overvalued in 2026?
Based on GuruFocus' analysis, Singapura Finance stock appears to be undervalued.
The current stock price of S$0.81 is trading 8% below its estimated GF Value™ of S$0.88.
GuruFocus considers Singapura Finance to be Fairly Valued.
Key valuation signals for SGX:S23:
PEG Ratio: 17.23 (38% below median its 10-year median of 27.94)
GF Value™: S$0.88 vs. price of S$0.81 (8% below fair value)
Industry Position: 1793.4% above the Credit Services median (#222 of 233)
No single metric tells the full story. See the SGX:S23 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Singapura Finance Ltd is engaged in the finance business. The company offers personal banking services, including savings and fixed deposits accounts, which consist of savings for juniors, adults, and for seniors. The company also provides personal loans, such as mortgage loans, car loans, and pleasure craft financing. Its business banking includes commercial and industrial property financing, equipment and machinery financing, inventory financing, property development financing, commercial vehicle financing, vessel financing, block discounting, and other related services. The group operates in single segment that relstes to financing business and its ctivities are carried out in the Republic of Singapore.
42GF Score
Get the complete analysis for SGX:S23
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SGX:S23 has been successfully added to your 
