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IFS CapitalSGX:I49 39 ROA % is 1.11% as of Dec. 2025, which is 44% above its 10-year median of 0.77. GuruFocus rates SGX:I49 with a GF Score™ of 39/100 and a GF Value™ of S$0.19 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 546 Credit Services companies, IFS Capital ranks worse than 63.74% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. IFS Capital's annualizedNet Income for the quarter that ended in Dec. 2025 was S$5.99 Mil.
IFS Capital's average Total Assets over the quarter that ended in Dec. 2025 was S$539.44 Mil. Therefore, IFS Capital's annualized ROA % for the quarter that ended in Dec. 2025 was 1.11%.
The historical rank and industry rank for IFS Capital's ROA % or its related term are showing as below:
SGX:I49'
s ROA % Range Over the Past 10 Years
Min: -0.64 Med: 0.77 Max: 3.92
Current: 0.89
During the past 13 years, IFS Capital's highest ROA % was 3.92%. The lowest was -0.64%. And the median was 0.77%.
SGX:I49's ROA % is ranked worse than 63.74% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs SGX:I49: 0.89
IFS Capital (SGX:I49) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
IFS Capital ROA % Related Terms
IFS Capital ROA % Historical Data
* Premium members only.
The historical data trend for IFS Capital's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital's ROA % distribution charts can be found below:
* The bar in red indicates where IFS Capital's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
IFS Capital (SGX:I49) has a ROA % of 1.11% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on IFS Capital and its competitors. This is 44% above median its historical median of 0.77. According to the industry distribution chart, IFS Capital ranks #348 out of 546 companies in the Credit Services industry, placing it in the top 63.7%.
Is IFS Capital's ROA % too high?
IFS Capital's current ROA % of 1.11% is 44% above median its 10-year median of 0.77. The Credit Services industry median ROA % is 1.93. IFS Capital's value of 1.11% is 42.5% below this industry median. Based on the distribution chart, IFS Capital ranks #348 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, IFS Capital has a GF Score™ of 39/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does IFS Capital's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital ranks #348 out of 546 companies for ROA %. This places IFS Capital in the lower half of its industry. The industry median ROA % is 1.93. IFS Capital's value of 1.11% is 42.5% below this benchmark. While the company's 10-year median is 0.77 vs. the industry median of 1.93, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IFS Capital's current ROA % of 1.11% is 42.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on IFS Capital and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital's current ROA % is 1.11%, which is 44% above median its own 10-year median of 0.77. 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 Modestly Undervalued. The stock's GF Value™ is S$0.19, compared to a current price of S$0.17 — trading 10.5% below its estimated fair value. The current ROA % is 1.11%, which is 44% above median its 10-year median of 0.77 and 42.5% below the Credit Services industry median of 1.93. IFS Capital's overall GF Score™ is 39/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For IFS Capital (SGX:I49), the current ROA % is 1.11% 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 IFS Capital (SGX:I49) Overvalued in 2026?
Based on GuruFocus' analysis, IFS Capital stock appears to be undervalued.
The current stock price of S$0.17 is trading 10.5% below its estimated GF Value™ of S$0.19.
GuruFocus considers IFS Capital to be Modestly Undervalued.
Key valuation signals for SGX:I49:
ROA %: 1.11% (44% above median its 10-year median of 0.77)
GF Value™: S$0.19 vs. price of S$0.17 (10.5% below fair value)
Industry Position: 42.5% below the Credit Services median (#348 of 546)
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.
39GF Score
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