Singapura Finance Ltd (SGX:S23)

Singapura Finance Income Statement

Financials in millions SGD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	56.25	53.97	48.15	34.08	29.62	31.44
Total Interest Expense	31.34	31.22	26.69	8.15	5.43	13.49
Net Interest Income	24.91	22.75	21.46	25.93	24.2	17.94
Commissions and Fees	0.45	0.54	0.48	0.3	0.37	0.5
Revenue Before Loan Losses	25.35	23.29	21.94	26.23	24.57	18.45
Provision for Loan Losses	-1.44	0.49	0.05	1.42	1.18	2.32
Revenue	26.8	22.8	21.89	24.81	23.39	16.13
Revenue Growth (YoY)	29.43%	4.16%	-11.79%	6.10%	44.99%	-26.82%
Salaries & Employee Benefits	11.07	9.35	8.33	9.11	8.02	7.88
Other Operating Expenses	6.31	4.69	4.64	4.23	3.19	2.73
Total Operating Expenses	18.82	15.46	14.37	14.67	12.41	11.77
Operating Income	7.97	7.34	7.52	10.14	10.98	4.36
EBT Excluding Unusual Items	7.97	7.34	7.52	10.14	10.98	4.36
Other Unusual Items	-	-	-	-	0.55	1.26
Pretax Income	7.97	7.34	7.52	10.13	11.53	5.62
Income Tax Expense	1.31	1.24	1.37	1.79	1.92	0.85
Net Income	6.66	6.09	6.16	8.34	9.62	4.77
Net Income to Common	6.66	6.09	6.16	8.34	9.62	4.77
Net Income Growth	34.11%	-1.01%	-26.22%	-13.25%	101.80%	-36.29%
Shares Outstanding (Basic)	159	159	159	159	159	159
Shares Outstanding (Diluted)	159	159	159	159	159	159
EPS (Basic)	0.04	0.04	0.04	0.05	0.06	0.03
EPS (Diluted)	0.04	0.04	0.04	0.05	0.06	0.03
EPS Growth	34.10%	-1.02%	-26.22%	-13.23%	102.00%	-36.30%
Free Cash Flow	-3.68	2.36	16.57	50.95	-3.97	-89.13
Free Cash Flow Per Share	-0.02	0.01	0.10	0.32	-0.03	-0.56
Dividend Per Share	0.020	0.020	0.020	0.020	0.020	0.015
Dividend Growth	-	-	-	-	33.33%	-25.00%
Operating Margin	29.75%	32.18%	34.36%	40.86%	46.95%	27.04%
Profit Margin	24.85%	26.73%	28.13%	33.63%	41.13%	29.55%
Free Cash Flow Margin	-13.73%	10.34%	75.69%	205.36%	-16.98%	-552.63%
Effective Tax Rate	16.47%	16.94%	18.15%	17.62%	16.61%	15.20%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.