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Singapura FinanceSGX:S23 -0.61%43 Pretax Margin % is 44.01% as of Dec. 2025, which is 24% above its 10-year median of 35.57. GuruFocus rates SGX:S23 with a GF Score™ of 43/100 and a GF Value™ of S$0.88 (Fairly Valued). The stock has 3 warning signs investors should review. Among 535 Credit Services companies, Singapura Finance ranks better than 70.47% on this metric.
The historical rank and industry rank for Singapura Finance's Pretax Margin % or its related term are showing as below:
SGX:S23'
s Pretax Margin % Range Over the Past 10 Years
Min: 23.17 Med: 35.57 Max: 45.25
Current: 37.45
SGX:S23's Pretax Margin % is ranked better than 70.47% of 535
companies
in the Credit Services industry
Industry Median: 20.19
vs SGX:S23: 37.45
Singapura Finance (SGX:S23) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Singapura Finance Pretax Margin % Related Terms
Singapura Finance Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Singapura Finance's Pretax Margin % 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 Pretax Margin %, along with its competitors' market caps and Pretax 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.
Singapura Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Singapura Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Singapura Finance's Pretax Margin % 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.
Singapura Finance (SGX:S23) has a Pretax Margin % of 44.01% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Singapura Finance and its competitors. This is 24% above median its historical median of 35.57. Over the past decade, Singapura Finance's Pretax Margin % has ranged from 23.17 to 45.25. According to the industry distribution chart, Singapura Finance ranks #158 out of 535 companies in the Credit Services industry, placing it in the top 29.5%.
Is Singapura Finance's Pretax Margin % too high?
Singapura Finance's current Pretax Margin % of 44.01% is 24% above median its 10-year median of 35.57. Over the past 10 years, this metric has ranged from a low of 23.17 to a high of 45.25. The Credit Services industry median Pretax Margin % is 20.19. Singapura Finance's value of 44.01% is 118% above this industry median. Based on the distribution chart, Singapura Finance ranks #158 out of 535 companies in the Credit Services industry, which is above the industry midpoint. Overall, Singapura Finance has a GF Score™ of 43/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Singapura Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Singapura Finance ranks #158 out of 535 companies for Pretax Margin %. This puts Singapura Finance in the upper half of its industry. The industry median Pretax Margin % is 20.19. Singapura Finance's value of 44.01% is 118% above this benchmark. Historically, Singapura Finance's own Pretax Margin % has ranged from 23.17 to 45.25 over the past decade. While the company's 10-year median is 35.57 vs. the industry median of 20.19, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.19, based on 535 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Singapura Finance's current Pretax Margin % of 44.01% is 118% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Singapura Finance and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Singapura Finance's current Pretax Margin % is 44.01%, which is 24% above median its own 10-year median of 35.57. 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 Pretax Margin % is 44.01%, which is 24% above median its 10-year median of 35.57 and 118% above the Credit Services industry median of 20.19. Singapura Finance's overall GF Score™ is 43/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Singapura Finance (SGX:S23), the current Pretax Margin % is 44.01% 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 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:
Pretax Margin %: 44.01% (24% above median its 10-year median of 35.57)
GF Value™: S$0.88 vs. price of S$0.81 (8% below fair value)
Industry Position: 118% above the Credit Services median (#158 of 535)
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.
43GF Score
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