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.
Sing Investments & FinanceSGX:S35 86 Pretax Margin % is 39.02% as of Dec. 2025, which is 6% above its 10-year median of 36.65. 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 537 Credit Services companies, Sing Investments & Finance ranks better than 72.44% on this metric.
Sing Investments & Finance (SGX:S35) 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.
Sing Investments & Finance Pretax Margin % Related Terms
Sing Investments & Finance Pretax Margin % Historical Data
* 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, Sing Investments & 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.
Sing Investments & Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sing Investments & Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Sing Investments & 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.
Sing Investments & Finance (SGX:S35) has a Pretax Margin % of 39.02% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Sing Investments & Finance and its competitors. This is near median its historical median of 36.65. Over the past decade, Sing Investments & Finance's Pretax Margin % has ranged from 25.42 to 59.69. According to the industry distribution chart, Sing Investments & Finance ranks #148 out of 537 companies in the Credit Services industry, placing it in the top 27.6%.
Is Sing Investments & Finance's Pretax Margin % too high?
Sing Investments & Finance's current Pretax Margin % of 39.02% is near median its 10-year median of 36.65. Over the past 10 years, this metric has ranged from a low of 25.42 to a high of 59.69. The Credit Services industry median Pretax Margin % is 20.37. Sing Investments & Finance's value of 39.02% is 91.6% above this industry median. Based on the distribution chart, Sing Investments & Finance ranks #148 out of 537 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #148 out of 537 companies for Pretax Margin %. This puts Sing Investments & Finance in the upper half of its industry. The industry median Pretax Margin % is 20.37. Sing Investments & Finance's value of 39.02% is 91.6% above this benchmark. Historically, Sing Investments & Finance's own Pretax Margin % has ranged from 25.42 to 59.69 over the past decade. While the company's 10-year median is 36.65 vs. the industry median of 20.37, Sing Investments & 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 20.37, based on 537 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. Sing Investments & Finance's current Pretax Margin % of 39.02% is 91.6% 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 Sing Investments & Finance and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sing Investments & Finance's current Pretax Margin % is 39.02%, which is near median its own 10-year median of 36.65. 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 Pretax Margin % is 39.02%, which is near median its 10-year median of 36.65 and 91.6% above the Credit Services industry median of 20.37. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current Pretax Margin % is 39.02% 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:
Pretax Margin %: 39.02% (near median its 10-year median of 36.65)
GF Value™: S$1.04 vs. price of S$1.58 (51.9% above fair value)
Industry Position: 91.6% above the Credit Services median (#148 of 537)
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 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
Pretax Margin % 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:S35 has been successfully added to your 
