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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Sing Investments & Finance's 10-Year RORE % for the quarter that ended in Jun. 2026 was 17.88%.
The industry rank for Sing Investments & Finance's 10-Year RORE % or its related term are showing as below:
SGX:S35's 10-Year RORE % is ranked better than 68.77% of 381
companies
in the Credit Services industry
Industry Median: 8.61
vs SGX:S35: 17.88
Sing Investments & Finance (SGX:S35) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Sing Investments & Finance 10-Year RORE % Related Terms
Sing Investments & Finance 10-Year RORE % 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 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sing Investments & Finance's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Sing Investments & Finance's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 10-year before.
Sing Investments & Finance (SGX:S35) has a 10-Year RORE % of 17.88 as of Jun. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Sing Investments & Finance and its competitors. According to the industry distribution chart, Sing Investments & Finance ranks #119 out of 381 companies in the Credit Services industry, placing it in the top 31.2%.
Is Sing Investments & Finance's 10-Year RORE % too high?
Sing Investments & Finance's current 10-Year RORE % is 17.88. The Credit Services industry median 10-Year RORE % is 8.61. Sing Investments & Finance's value of 17.88 is 107.7% above this industry median. Based on the distribution chart, Sing Investments & Finance ranks #119 out of 381 companies in the Credit Services industry, which is above the industry midpoint. 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 10-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #119 out of 381 companies for 10-Year RORE %. This puts Sing Investments & Finance in the upper half of its industry. The industry median 10-Year RORE % is 8.61. Sing Investments & Finance's value of 17.88 is 107.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Credit Services company?
The median 10-Year RORE % among Credit Services companies is 8.61, based on 381 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sing Investments & Finance's current 10-Year RORE % of 17.88 is 107.7% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Sing Investments & Finance and its competitors. For the Credit Services industry, the median 10-Year RORE % is 8.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sing Investments & Finance's current 10-Year RORE % is 17.88. 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 10-Year RORE % is 17.88 and 107.7% above the Credit Services industry median of 8.61. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current 10-Year RORE % is 17.88 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:
10-Year RORE %: 17.88
GF Value™: S$1.03 vs. price of S$1.56 (51.5% above fair value)
Industry Position: 107.7% above the Credit Services median (#119 of 381)
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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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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