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IFS CapitalSGX:I49 49 3-Year ROIIC % is 2.76 as of Dec. 2025, which is 50% below its 10-year median of 5.50. GuruFocus rates SGX:I49 with a GF Score™ of 49/100 and a GF Value™ of S$0.19 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 397 Credit Services companies, IFS Capital ranks worse than 51.13% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
IFS Capital's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 2.76%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for IFS Capital's 3-Year ROIIC % or its related term are showing as below:
SGX:I49's 3-Year ROIIC % is ranked worse than 51.13% of 397
companies
in the Credit Services industry
Industry Median: 3
vs SGX:I49: 2.76
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
IFS Capital 3-Year ROIIC % Related Terms
IFS Capital 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for IFS Capital's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where IFS Capital's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
IFS Capital (SGX:I49) has a 3-Year ROIIC % of 2.76 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on IFS Capital and its competitors. This is 50% below median its historical median of 5.50. According to the industry distribution chart, IFS Capital ranks #203 out of 397 companies in the Credit Services industry, placing it in the top 51.1%.
Is IFS Capital's 3-Year ROIIC % too high?
IFS Capital's current 3-Year ROIIC % of 2.76 is 50% below median its 10-year median of 5.50. The Credit Services industry median 3-Year ROIIC % is 3.00. IFS Capital's value of 2.76 is 8% below this industry median. Based on the distribution chart, IFS Capital ranks #203 out of 397 companies in the Credit Services industry, which is below the industry midpoint. Overall, IFS Capital has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does IFS Capital's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital ranks #203 out of 397 companies for 3-Year ROIIC %. This places IFS Capital in the lower half of its industry. The industry median 3-Year ROIIC % is 3.00. IFS Capital's value of 2.76 is 8% below this benchmark. While the company's 10-year median is 5.50 vs. the industry median of 3.00, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 3.00, based on 397 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IFS Capital's current 3-Year ROIIC % of 2.76 is 8% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on IFS Capital and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital's current 3-Year ROIIC % is 2.76, which is 50% below median its own 10-year median of 5.50. 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 13.2% below its estimated fair value. The current 3-Year ROIIC % is 2.76, which is 50% below median its 10-year median of 5.50 and 8% below the Credit Services industry median of 3.00. IFS Capital's overall GF Score™ is 49/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For IFS Capital (SGX:I49), the current 3-Year ROIIC % is 2.76 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 13.2% below its estimated GF Value™ of S$0.19.
GuruFocus considers IFS Capital to be Modestly Undervalued.
Key valuation signals for SGX:I49:
3-Year ROIIC %: 2.76 (50% below median its 10-year median of 5.50)
GF Value™: S$0.19 vs. price of S$0.17 (13.2% below fair value)
Industry Position: 8% below the Credit Services median (#203 of 397)
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.
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