Sing Investments & Finance Limited (SGX:S35)

SGX:S35 Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	151.13	146.14	82.46	73.56	83.5
Total Interest Expense	86.11	90.88	21.4	14.57	36.27
Net Interest Income	65.02	55.26	61.07	58.99	47.23
Commissions and Fees	3.31	2.09	1.65	2.16	1.74
Gain (Loss) on Sale of Investments	-	-	-	-	0.28
Other Revenue	3.54	3.41	2.66	2.9	3.16
Revenue Before Loan Losses	71.86	60.76	65.37	64.05	52.4
Provision for Loan Losses	0.03	-7.5	-6.5	0.84	5.53
Revenue	71.82	68.26	71.87	63.21	46.87
Revenue Growth (YoY)	5.22%	-5.02%	13.69%	34.86%	-3.36%
Salaries & Employee Benefits	19.4	20.06	18.63	18.1	15.98
Other Operating Expenses	6.45	6.16	6.79	5.8	8.03
Total Operating Expenses	28.2	28.63	27.85	26.12	26.23
Operating Income	43.63	39.63	44.02	37.09	20.64
EBT Excluding Unusual Items	43.68	39.64	44.07	37.13	20.73
Other Unusual Items	-	-	-	-	2.51
Pretax Income	43.68	39.81	44.07	37.32	23.24
Income Tax Expense	7.34	6.6	6.87	5.89	3.64
Net Income	36.34	33.21	37.2	31.43	19.6
Net Income to Common	36.34	33.21	37.2	31.43	19.6
Net Income Growth	9.43%	-10.73%	18.36%	60.36%	-2.08%
Shares Outstanding (Basic)	236	236	236	236	236
Shares Outstanding (Diluted)	236	236	236	236	236
EPS (Basic)	0.15	0.14	0.16	0.13	0.08
EPS (Diluted)	0.15	0.14	0.16	0.13	0.08
EPS Growth	9.43%	-10.73%	18.36%	60.37%	-2.08%
Free Cash Flow	-166.44	147.87	-43.16	-66.82	97.19
Free Cash Flow Per Share	-0.70	0.63	-0.18	-0.28	0.41
Dividend Per Share	0.065	0.060	0.067	0.053	0.024
Dividend Growth	8.33%	-10.45%	25.70%	122.08%	-40.00%
Operating Margin	60.74%	58.06%	61.26%	58.68%	44.04%
Profit Margin	50.60%	48.65%	51.77%	49.73%	41.82%
Free Cash Flow Margin	-231.74%	216.63%	-60.05%	-105.70%	207.36%
Effective Tax Rate	16.80%	16.59%	15.58%	15.77%	15.66%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.