Singapura Finance Ltd

Singapura Finance Ltd

SSGX:S23
0.77
SGD
+0.02
(+2.67%)
128.54MMarket Cap
Feb 12Next Earn
2014 Y
2015 Y
2016 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.22
0.18
0.18
- -
0.15
0.13
0.13
0.13
0.16
0.17
0.14
0.15
0.18
- -
Basic EPS, GAAP
0.06
0.03
0.01
- -
0.03
0.05
0.05
0.03
0.06
0.05
0.04
0.04
0.06
- -
Free Cash Flow per Basic Share
-0.24
-0.08
-0.07
- -
0.3
-0.03
0.47
-0.56
-0.03
0.32
0.1
0.01
0.12
- -
Dividend per Share
0.04
0.03
- -
- -
0.02
0.03
0.04
0.03
0.01
0.04
0.03
0.03
0.03
0.04
Book Value per Share
1.78
1.57
- -
1.59
1.6
1.62
1.63
1.6
1.62
1.59
1.6
1.6
1.66
1.62
Tangible Book Value per Share
1.78
1.57
- -
1.59
1.6
1.62
1.63
1.6
1.62
1.59
1.6
1.6
1.66
1.62
Basic Weighted Avg Shares
96
132
132
159
159
159
159
159
159
159
159
159
159
159
Sales/Revenue/Turnover
21
24
23
- -
23
21
21
20
25
27
22
24
29
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
- -
1
1
1
1
1
1
1
1
2
- -
Net Income, GAAP
6
5
2
- -
5
8
7
5
10
8
6
6
9
- -
Effective Tax Rate (%)
13.44
16.86
16.18
- -
16.9
14.13
16.94
15.2
16.6
17.62
18.15
16.94
16.68
- -
Profit Margin (%)
27.5
19.27
8.43
- -
21.03
36.47
35.46
23.53
37.74
31.29
27.58
25.77
31.2
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
- -
- -
1
- -
1
- -
1
1
1
1
Total Equity
170
249
- -
252
254
257
259
255
256
252
253
255
264
257
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.44
2.17
- -
- -
1.94
3.02
2.89
1.85
3.76
3.27
2.43
2.39
3.51
- -
Return on Common Equity (%)
3.44
2.17
- -
- -
1.94
3.02
2.9
1.86
3.76
3.28
2.44
2.4
3.53
- -

Capital Structure

SGD

•

in mil. unless spec.
Sep'19
Dec'19
Jun'20
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
159
159
159
Market Capitalization
138
140
129

Working Capital

SGD

•

in mil. unless spec.
Sep'19
Dec'19
Jun'20
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
100
243
243
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SGD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
0.76%
3.78%
Free Cash Flow
- -
-185.3%
705.35%
Net Income, GAAP
- -
22.3%
50.16%
Sales/Revenue/Turnover
- -
8.82%
24.04%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
24
2025
- -
- -
29
2026
- -
- -
- -

Semi-annual Earnings Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.04
2025
- -
- -
0.06
2026
- -
- -
- -

Semi-annual Dividends Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.03
2025
- -
- -
0.03
2026
- -
- -
- -

Company Description

CEO
Miang Yeow Teo
Full Time Employees
117
Sector
Finance
Industry
Major banks
Address
Singapore Singapore
IPO Date
Dec 3, 1979
Business
Singapura Finance Ltd is a Singapore-based licensed financial institution that provides a comprehensive range of personal banking, corporate financing, and deposit solutions to retail consumers, high-net-worth individuals, and small- and medium-sized enterprises (SMEs). Established in 1950 as the Malaya Borneo Building Society and incorporated as a public company in 1969, the company is headquartered in Singapore and operates through a network of customer service centers across the island. The group conducts its core financial operations alongside its wholly-owned subsidiaries, SBS Nominees Private Limited, which provides nominee and custodian services, and SBS Realty Services (Private) Ltd, which delivers real estate management and advisory support. The company operates primarily through deposit-taking and secured lending activities, offering an extensive suite of retail and commercial financial products. Its personal banking and wealth preservation portfolio includes retail savings accounts, junior and senior savings plans, fixed deposit accounts, and safe deposit box facilities; residential property financing for Housing and Development Board (HDB) flats and private residential properties; motor vehicle loans; pleasure craft financing for yachts and recreational vessels; and share financing facilities, including Wise Shares and Gold Shares margin lending. For commercial enterprises and corporate clients, Singapura Finance provides commercial and industrial real estate loans; property development financing; machinery, equipment, and commercial vehicle hire-purchase facilities; working capital credit lines; block discounting facilities for automotive dealerships; and government-assisted financing programs, including participation in Enterprise Singapore's Enterprise Financing Scheme (EFS). In recent developments, Singapura Finance marked its 75th corporate anniversary with an institutional brand refresh featuring a modernized identity centered on the Singapura Phoenix, signifying long-term strategic resilience and customer empowerment. Operationally, the company has advanced its enterprise-wide digital transformation roadmap by embedding zero-trust security protocols and security-by-design architectures across its electronic infrastructure, while upgrading digital payment integrations such as PayNow and eGIRO for enhanced customer experience. In line with regional sustainability frameworks, the firm has also expanded its sustainable and green financing initiatives, introducing specialized green loan programs for energy-efficient commercial assets and vehicles. Furthermore, the company enacted executive leadership and board refreshes across 2024 and 2025, appointing new independent non-executive directors and reconstituting core governance committees following the passing of longtime Honorary Advisor Teo Chiang Long.