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Sing Investments & FinanceSGX:S35 -1.27%89 ROC (Joel Greenblatt) % is 527.84% as of Jun. 2026, which is 194% above its 10-year median of 179.66. GuruFocus rates SGX:S35 with a GF Score™ of 89/100 and a GF Value™ of S$1.03 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 419 Credit Services companies, Sing Investments & Finance ranks better than 79.24% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Sing Investments & Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 527.84%.
The historical rank and industry rank for Sing Investments & Finance's ROC (Joel Greenblatt) % or its related term are showing as below:
SGX:S35'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 85 Med: 179.66 Max: 623.26
Current: 535.5
During the past 13 years, Sing Investments & Finance's highest ROC (Joel Greenblatt) % was 623.26%. The lowest was 85.00%. And the median was 179.66%.
SGX:S35's ROC (Joel Greenblatt) % is ranked better than 79.24% of 419
companies
in the Credit Services industry
Industry Median: 26.95
vs SGX:S35: 535.50
Sing Investments & Finance (SGX:S35) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
* 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 ROC (Joel Greenblatt) % Chart
SGX:S35 vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Sing Investments & Finance's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sing Investments & Finance's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Sing Investments & Finance's ROC (Joel Greenblatt) % falls into.
Sing Investments & Finance ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is two times the semi-annual (Jun. 2026) EBIT 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.
What does a ROC (Joel Greenblatt) % of 527.84% mean?
Sing Investments & Finance (SGX:S35) has a ROC (Joel Greenblatt) % of 527.84% as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Sing Investments & Finance and its competitors. This is 194% above median its historical median of 179.66. Over the past decade, Sing Investments & Finance's ROC (Joel Greenblatt) % has ranged from 85.00 to 623.26. According to the industry distribution chart, Sing Investments & Finance ranks #87 out of 419 companies in the Credit Services industry, placing it in the top 20.8%.
Is Sing Investments & Finance's ROC (Joel Greenblatt) % too high?
Sing Investments & Finance's current ROC (Joel Greenblatt) % of 527.84% is 194% above median its 10-year median of 179.66. Over the past 10 years, this metric has ranged from a low of 85.00 to a high of 623.26. The Credit Services industry median ROC (Joel Greenblatt) % is 26.95. Sing Investments & Finance's value of 527.84% is 1858.6% above this industry median. Based on the distribution chart, Sing Investments & Finance ranks #87 out of 419 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Sing Investments & Finance has a GF Score™ of 89/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sing Investments & Finance's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #87 out of 419 companies for ROC (Joel Greenblatt) %. This places Sing Investments & Finance in the top 21% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 26.95. Sing Investments & Finance's value of 527.84% is 1858.6% above this benchmark. Historically, Sing Investments & Finance's own ROC (Joel Greenblatt) % has ranged from 85.00 to 623.26 over the past decade. While the company's 10-year median is 179.66 vs. the industry median of 26.95, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 26.95, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sing Investments & Finance's current ROC (Joel Greenblatt) % of 527.84% is 1858.6% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Sing Investments & Finance and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sing Investments & Finance's current ROC (Joel Greenblatt) % is 527.84%, which is 194% above median its own 10-year median of 179.66. 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$1.03, compared to a current price of S$1.56 — trading 51.5% above its estimated fair value. The current ROC (Joel Greenblatt) % is 527.84%, which is 194% above median its 10-year median of 179.66 and 1858.6% above the Credit Services industry median of 26.95. Sing Investments & Finance's overall GF Score™ is 89/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current ROC (Joel Greenblatt) % is 527.84% as of Jun. 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 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$1.56 is trading 51.5% above its estimated GF Value™ of S$1.03.
GuruFocus considers Sing Investments & Finance to be Significantly Overvalued.
Key valuation signals for SGX:S35:
ROC (Joel Greenblatt) %: 527.84% (194% above median its 10-year median of 179.66)
GF Value™: S$1.03 vs. price of S$1.56 (51.5% above fair value)
Industry Position: 1858.6% above the Credit Services median (#87 of 419)
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.
89GF Score
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