Sing Investments & Finance Limited

Sing Investments & Finance Limited

SSGX:S35
1.47
SGD
0.00
(0.00%)
0.13EPS
7.59P/E
226.98MMarket Cap
Feb 25Next Earn
2013 Y
2014 Y
2015 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
0.15
0.16
0.17
0.18
0.31
0.33
0.37
0.36
0.29
0.31
0.5
0.56
0.55
0.34
Basic EPS, GAAP
0.05
0.05
0.05
0.06
0.1
0.1
0.08
0.08
0.13
0.16
0.14
0.15
0.18
0.13
Free Cash Flow per Basic Share
-0.03
0.2
0.52
0.39
-0.66
0.51
-0.1
0.41
-0.28
-0.18
0.63
-0.66
-0.24
0.12
Dividend per Share
0.03
0.03
0.04
0.03
0.03
0.05
0.05
0.04
0.02
0.05
0.07
0.06
0.07
- -
Book Value per Share
1.28
1.33
1.32
1.35
1.43
1.54
1.58
1.64
1.72
1.75
1.85
1.95
2.1
1.68
Tangible Book Value per Share
1.28
1.33
1.32
1.35
1.43
1.54
1.58
1.64
1.72
1.75
1.85
1.95
2.1
1.68
Basic Weighted Avg Shares
236
236
236
236
236
236
236
236
236
236
236
236
236
236
Sales/Revenue/Turnover
34
37
40
43
73
78
87
85
69
74
119
133
130
80
Operating Margin (%)
41.14
49.48
39.23
55.38
31.17
30.53
22.87
29.4
62.01
62.28
75.92
78.8
76.86
41.42
Depreciation Expense
1
1
1
1
1
1
2
2
2
2
2
2
2
2
Net Income, GAAP
11
13
13
14
23
24
20
20
31
37
33
36
42
30
Effective Tax Rate (%)
14.53
15.13
15.12
16.66
14.04
16.36
9.5
15.66
15.77
15.58
16.59
16.8
16.77
16.84
Profit Margin (%)
33.39
34.5
32.44
32.2
31.18
30.97
23.01
23.05
45.72
50.39
27.94
27.38
32.47
37.61
Working Capital
-824
-786
-1,022
-1,173
-1,185
-1,374
-1,562
-1,151
-1,544
-1,541
-1,258
-1,636
-1,817
-1,257
LT Debt
4
2
1
1
3
6
5
148
55
1
2
1
1
175
Total Equity
304
313
313
320
338
363
373
387
406
415
436
460
496
397
Return on Invested Capital (%)
3.58
4
4.02
4.32
7.38
6.3
5.64
5.23
5.6
5.86
5.83
7.95
9.45
5.8
Return on Capital (%)
8.18
9.17
4.05
4.35
6.83
6.72
5.3
4.25
7.69
10.33
23.95
23.99
20.09
5.92
Return on Common Equity (%)
3.7
4.1
4.09
4.39
6.9
6.86
5.44
5.16
7.93
9.07
7.8
8.1
8.85
7.73

Capital Structure

SGD

•

in mil. unless spec.
Dec'20
Mar'21
Jun'21
ST Debt
4
- -
27
LT Borrowings
148
174
175
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
236
236
236
Market Capitalization
208
219
227

Working Capital

SGD

•

in mil. unless spec.
Dec'20
Mar'21
Jun'21
Total Current Assets
930
290
1,157
Cash, Cash Equivalents & STI
465
285
624
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
2,081
2,233
2,414
Payables & Accruals
- -
- -
- -
ST Debt
4
- -
27
Deferred Revenue
- -
- -
- -

Growth Rates

SGD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.75%
5.08%
7.76%
Free Cash Flow
-202.22%
-183.33%
-63.63%
Net Income, GAAP
15.29%
18.77%
16.46%
Sales/Revenue/Turnover
15.36%
11.81%
-1.83%
Total Cash Common Dividend
- -
21.11%
8.34%

Semi-annual Revenue

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
133
2025
- -
- -
130
2026
- -
- -
- -

Semi-annual Earnings Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.15
2025
- -
- -
0.18
2026
- -
- -
- -

Semi-annual Dividends Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.06
2025
- -
- -
0.07
2026
- -
- -
- -

Company Description

CEO
Sze Leong Lee
Full Time Employees
169
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Singapore Singapore
IPO Date
Jul 7, 1983
Business
Sing Investments & Finance Limited is a licensed financial institution based in Singapore that provides a comprehensive range of retail and commercial financing solutions and deposit services to individuals, small and medium-sized enterprises (SMEs), and corporate clients. Founded in 1964 and headquartered at the SIF Building in Singapore, the company is listed on the Mainboard of the Singapore Exchange (SGX: S35) and operates under the supervision of the Monetary Authority of Singapore as a licensed finance company. The company operates primarily through its Retail and Corporate business segments. Its core product and service portfolio comprises deposit and wealth preservation products, including fixed deposits, regular savings accounts, current accounts, GIRO saver accounts, GoVault accounts, and conveyancing accounts; consumer credit and personal lending facilities, including residential mortgage loans, Housing & Development Board (HDB) home financing, commercial property loans, vehicle hire purchase financing, and share financing loans; commercial, industrial, and SME financing facilities, including land and construction development loans, commercial property term loans, heavy machinery and industrial equipment loans, block discounting, motor dealer floor stock financing, shipping vessel loans, and accounts receivables or invoice factoring; and government-assisted enterprise financing programs, such as the SME Working Capital Loan and SME Fixed Assets Loan facilities administered under Enterprise Singapore's Enterprise Financing Scheme (EFS). In addition, the company provides institutional and electronic transaction facilities, including eGuarantee@Gov issuance, FAST (Fast and Secure Transfers), PayNow Corporate, and AXS payment integration. In recent developments, Sing Investments & Finance Limited has accelerated its digital transformation initiatives by upgrading its digital banking infrastructure, expanding functionalities across its SIF Mobile platform for retail customers and its SIF BIZ Mobile and SIF BIZ Online platforms for corporate clients with features such as Singpass MyInfo-assisted instant onboarding, biometric authentication, and digital token security. The company has also formalized and expanded its sustainability and ESG governance framework, instituting ESG risk monitoring dashboards, integrating environmental risk evaluation into credit underwriting, and setting strategic priorities toward low-carbon transition and sustainable finance. In addition, the company continues to broaden specialized business lending partnerships, including equipment financing collaborations with medical and commercial equipment distributors, while maintaining sound capital management and earning recognition for corporate governance and shareholder value creation at the Singapore Corporate Awards.