Singapura Finance (SGX:S23) ROC %: % (As of Dec. 2025)


SGX:S23 Singapura Finance Ltd SGX:S23
42 GF Score
Price S$0.81
GF Value S$0.88
Valuation Fairly Valued
! 3 Warning Signs
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What is Singapura Finance ROC %?

Singapura Finance SGX:S23 -0.62% 42 ROC % is % as of Dec. 2025. 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.

ROC %does not apply to banks.

SGX:S23
42GF Score
Singapura Finance Ltd SGX:S23
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Singapura Finance (SGX:S23) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Singapura Finance and its competitors.
Is Singapura Finance's ROC % too high?
Singapura Finance's current ROC % is %. 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 ROC % compare to V and MA?
Singapura Finance's ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 1.98, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Singapura Finance and its competitors. For the Credit Services industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Singapura Finance's current ROC % is %. 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 8.5% below its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Singapura Finance (SGX:S23), the current ROC % is % 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 8.5% below its estimated GF Value™ of S$0.88. GuruFocus considers Singapura Finance to be Fairly Valued.

Key valuation signals for SGX:S23:

  • ROC %: %
  • GF Value™: S$0.88 vs. price of S$0.81 (8.5% below fair value)
  • GF Score™: 42/100 with 3 warning signs

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 Business Description

Address 150 Cecil Street, No. 01-00, Singapore, SGP, 069543
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

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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S$0.81
Price
S$0.88
GF Value