Singapura Finance Ltd engages in the financing business in Singapore.
Price History & Performance
|Historical stock prices|
|Current Share Price||S$0.84|
|52 Week High||S$0.78|
|52 Week Low||S$0.91|
|1 Month Change||4.97%|
|3 Month Change||1.20%|
|1 Year Change||6.96%|
|3 Year Change||-7.14%|
|5 Year Change||-3.98%|
|Change since IPO||-47.19%|
Recent News & Updates
|S23||SG Consumer Finance||SG Market|
Return vs Industry: S23 underperformed the SG Consumer Finance industry which returned 61.6% over the past year.
Return vs Market: S23 underperformed the SG Market which returned 22.7% over the past year.
Stable Share Price: Insufficient data to determine S23's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine S23's volatility change over the past year.
About the Company
Singapura Finance Ltd engages in the financing business in Singapore. The company offers savings and fixed deposits; business accounts; and mortgage/HDB, car, pleasure craft, gold share, and wise share loans; and commercial and industrial property, equipment and machinery, inventory, property development, commercial vehicle, vessel, and enterprise financing services. It also provides block discounting, business overdrafts, safe deposit boxes, and SMS banking services.
Singapura Finance Fundamentals Summary
|S23 fundamental statistics|
Is S23 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|S23 income statement (TTM)|
|Cost of Revenue||S$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.049|
|Net Profit Margin||38.30%|
How did S23 perform over the long term?See historical performance and comparison
1.8%Current Dividend Yield
Is Singapura Finance undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: S23 (SGD0.83) is trading above our estimate of fair value (SGD0.15)
Significantly Below Fair Value: S23 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: S23 is poor value based on its PE Ratio (16.9x) compared to the Asian Consumer Finance industry average (13.8x).
PE vs Market: S23 is poor value based on its PE Ratio (16.9x) compared to the SG market (13.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate S23's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: S23 is good value based on its PB Ratio (0.5x) compared to the XA Consumer Finance industry average (1x).
How is Singapura Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Singapura Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Singapura Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: S23 has a high level of non-cash earnings.
Growing Profit Margin: S23's current net profit margins (38.3%) are higher than last year (22.4%).
Past Earnings Growth Analysis
Earnings Trend: S23's earnings have grown by 9.2% per year over the past 5 years.
Accelerating Growth: S23's earnings growth over the past year (102%) exceeds its 5-year average (9.2% per year).
Earnings vs Industry: S23 earnings growth over the past year (102%) exceeded the Consumer Finance industry 14.5%.
Return on Equity
High ROE: S23's Return on Equity (3%) is considered low.
How is Singapura Finance's financial position?
Financial Position Analysis
Short Term Liabilities: S23's short term assets (SGD1.0B) exceed its short term liabilities (SGD927.4M).
Long Term Liabilities: S23's short term assets (SGD1.0B) exceed its long term liabilities (SGD1.6M).
Debt to Equity History and Analysis
Debt Level: S23 is debt free.
Reducing Debt: S23 has not had any debt for past 5 years.
Debt Coverage: S23 has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: S23 has no debt, therefore coverage of interest payments is not a concern.
What is Singapura Finance current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: S23's dividend (1.82%) isn’t notable compared to the bottom 25% of dividend payers in the SG market (1.94%).
High Dividend: S23's dividend (1.82%) is low compared to the top 25% of dividend payers in the SG market (5.21%).
Stability and Growth of Payments
Stable Dividend: S23's dividend payments have been volatile in the past 10 years.
Growing Dividend: S23's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (30.8%), S23's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jamie Teo (48 yo)
Mr. Miang Yeow Teo, also known as Jamie, has been the Chief Executive Officer of Singapura Finance Ltd. since September 11, 2007. Mr. Teo served as a Deputy Chief Executive Officer of Singapura Finance Ltd...
Experienced Management: S23's management team is seasoned and experienced (14.2 years average tenure).
Experienced Board: S23's board of directors are seasoned and experienced ( 18.9 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Singapura Finance Ltd's employee growth, exchange listings and data sources
- Name: Singapura Finance Ltd
- Ticker: S23
- Exchange: SGX
- Founded: 1950
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: S$130.916m
- Shares outstanding: 158.69m
- Website: https://www.singapurafinance.com.sg
Number of Employees
- Singapura Finance Ltd
- No. 01-00, 150 Cecil Street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/26 11:04|
|End of Day Share Price||2021/10/26 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.