CompanyGraph
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- PositionOperating margin is 65.7%, higher than 95% of its Credit Services peers (median 25.6%)
- FinancialsLow earnings quality
- Interpretations1 currently firing — 1
Sign in to view price data.
Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
4.81%Below 5Y avg (5.12%)
Annual Rate
SGD 0.07Paid annual
Payout Ratio
35.7%Sustainable
Last Ex-Dividend
Apr 28, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
366.48MSGD288.77M · vs all stocks (USD)
Trailing P/E
7.43xvs Credit Services peers
Revenue (TTM)
85.99MSGD67.76M · vs all stocks (USD)
Profit Margin
53.26%vs Credit Services peers
Beta
0.1260xvs all stocks
52-Week Change
20.00%vs all stocks
Market Capitalization
366.48MSGD288.77M · vs all stocks (USD)
Enterprise Value
113.06MSGD89.09M · vs all stocks (USD)
Trailing P/E
7.43xvs Credit Services peers
Forward P/E
7.80xvs Credit Services peers
Price to Sales (TTM)
4.29xvs Credit Services peers
Price to Book (MRQ)
0.7290xvs Credit Services peers
Enterprise to Revenue
1.31xvs Credit Services peers
Enterprise to EBITDA
0.9244xvs Credit Services peers
Gross Margin
57.01%vs Credit Services peers
Profit Margin
53.26%vs Credit Services peers
Operating Margin
65.71%vs Credit Services peers
Return on Assets (TTM)
1.26%vs Credit Services peers
Return on Equity (TTM)
9.34%vs Credit Services peers
Revenue (TTM)
85.99MSGD67.76M · vs all stocks (USD)
Revenue per Share (TTM)
0.3640SGDUpdated Aug 22, 2026Quarterly Revenue Growth
12.20%vs Credit Services peers
EBITDA (TTM)
34.46MSGD27.15M · vs all stocks (USD)
Net Income (TTM)
45.80MSGD36.09M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
16.00%vs Credit Services peers
Operating Cash Flow (TTM)
-4.79MSGD-3.77M · vs all stocks (USD)
Trailing Annual Dividend Rate
0.0750SGDUpdated Aug 22, 2026Trailing Annual Dividend Yield
4.81%vs all stocks
5-Year Average Dividend Yield
5.12%vs all stocks
Payout Ratio
35.68%vs Credit Services peers
Revenue
130.32MSGDFY2025 · Dec 31, 2025Cost of Goods Sold
19.82MSGDFY2025 · Dec 31, 2025Gross Profit
110.50MSGDFY2025 · Dec 31, 2025Operating Income
100.17MSGD78.93M · vs all stocks (USD)
Pre-tax Income
50.85MSGDFY2025 · Dec 31, 2025Income Tax Expense
8.53MSGDFY2025 · Dec 31, 2025Net Income
42.32MSGDFY2025 · Dec 31, 2025EBIT
115.69MSGDFY2025 · Dec 31, 2025EBITDA (Income Statement)
122.30MSGDFY2025 · Dec 31, 2025Selling, General & Administrative
518.00KSGDFY2025 · Dec 31, 2025Other Operating Expenses
3.45MSGDFY2025 · Dec 31, 2025Non-operating Interest Income
15.65MSGDFY2025 · Dec 31, 2025Non-operating Interest Expense
64.85MSGDFY2025 · Dec 31, 2025Preferred Stock Dividends
0.00SGDFY2025 · Dec 31, 2025Operating Cash Flow
-55.21MSGDFY2025 · Dec 31, 2025Free Cash Flow
-55.90MSGDFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
123.17MSGDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
50.85MSGDFY2025 · Dec 31, 2025Other Non-cash Items
-9.18MSGDFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
-122.86MSGDFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
25.98MSGDFY2025 · Dec 31, 2025Capital Expenditures
-685.00KSGDFY2025 · Dec 31, 2025Net Investing Cash Flow
-685.00KSGDFY2025 · Dec 31, 2025Common Dividends Paid
-15.37MSGDFY2025 · Dec 31, 2025Net Financing Cash Flow
-15.37MSGDFY2025 · Dec 31, 2025Shares Outstanding
236.44MSharesUpdated Aug 22, 2026Float Shares
133.84MSharesUpdated Aug 22, 2026% Held by Insiders
44.70%vs all stocks
% Held by Institutions
0.67%vs all stocks
Total Cash (MRQ)
258.66MSGD203.81M · vs all stocks (USD)
Total Cash per Share (MRQ)
1.09SGDUpdated Aug 22, 2026Total Debt (MRQ)
514.00KSGD405.01K · vs all stocks (USD)
Total Debt to Equity (MRQ)
0.0010xvs Credit Services peers
Current Ratio (MRQ)
1.00xvs Credit Services peers
Book Value per Share (MRQ)
2.14SGDUpdated Aug 22, 2026Total Assets
3.50BSGD2.75B · vs all stocks (USD)
Total Current Assets
1.15BSGDFY2025 · Dec 31, 2025Total Liabilities
3.00BSGDFY2025 · Dec 31, 2025Total Non-current Assets
2.35BSGDFY2025 · Dec 31, 2025Total Non-current Liabilities
34.33MSGDFY2025 · Dec 31, 2025Total Current Liabilities
2.97BSGDFY2025 · Dec 31, 2025Cash & Cash Equivalents
123.17MSGDFY2025 · Dec 31, 2025Other Short-term Investments
177.67MSGDFY2025 · Dec 31, 2025Short-term Debt
66.00KSGDFY2025 · Dec 31, 2025Other Current Liabilities
29.70MSGDFY2025 · Dec 31, 2025Long-term Debt
745.00KSGDFY2025 · Dec 31, 2025Other Non-current Liabilities
722.00KSGDFY2025 · Dec 31, 2025Common Stock (Book)
180.01MSGDFY2025 · Dec 31, 2025Retained Earnings
129.65MSGDFY2025 · Dec 31, 2025Total Shareholders' Equity
496.13MSGD390.93M · vs all stocks (USD)
52-Week Low
1.30SGDUpdated Aug 22, 202652-Week High
1.87SGDUpdated Aug 22, 202652-Week Change
20.00%vs all stocks
Beta
0.1260xvs all stocks
50-Day MA
1.57SGDUpdated Aug 22, 2026200-Day MA
1.60SGDUpdated Aug 22, 2026Avg 10-Day Volume
62.75KSharesUpdated Aug 22, 2026Avg 30-Day Volume
60.13KSharesUpdated Aug 22, 2026Diluted EPS (TTM)
0.2100SGDUpdated Aug 22, 20261 interpretation currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company use capital?
Three Margin Ratios Elevated Across Gross, Operating, And Net Levels
Its gross and net margins are high for its industry, and its operating margin is high outright.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Peer Positioning
Operating margin is 65.7%, higher than 95% of its Credit Services peers (median 25.6%)Significant
Operating margin: 0.66Industry median: 0.26Industry P95: 0.54Peers compared: 72.00
Profit margin is 53.3%, higher than 95% of its Credit Services peers (median 18.1%)Significant
Profit margin: 0.53Industry median: 0.18Industry P95: 0.40Peers compared: 72.00
Debt-to-equity is 0×, lower than 95% of its Credit Services peers (median 2.54×)Notable
Debt-to-equity: 0.00Industry median: 2.54Industry P5: 0.27Peers compared: 72.00
Financial Health
Low earnings qualitySignificant
Earnings Quality Score: -3.05
High structural barrier to entryNotable
Barrier to Entry: 1.29
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Companies that share the same coordination system — how they create, deliver, or capture value.
Mufin Green Finance Ltd.
Tier 1RiskSpread-Based LeverageFlowInterface
Is Finansal Kiralama A.S.
Tier 1RiskSpread-Based LeverageFlowInterface
Banco Hipotecario S.A.
Tier 1RiskSpread-Based LeverageFlowRule
Cab Payments Holdings plc
Tier 1RiskSpread-Based LeverageFlowInterface
Brb Banco De Brasília S.A.
Tier 1RiskSpread-Based LeverageFlowRule
Ahes Gayrimenkul Yatırım Ortaklığı A.Ş.
Tier 1RiskSpread-Based LeverageFlowInterface
Utkarsh Small Finance Bank Ltd.
Tier 1RiskSpread-Based LeverageRuleFlow
Ocwen Financial Corp
Tier 1RiskSpread-Based LeverageFlowInterface
Western New England Bancorp Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
BRC Group Holdings, Inc.
Tier 1RiskSpread-Based LeverageInterfaceFlow
Companies that share active interpretations — structural patterns currently present in both stocks.
Clean Science & Technology Ltd.
1 interpretationThree Margin Ratios Elevated Across Gross, Operating, And Net Levels
Colgate-Palmolive (India) Ltd.
1 interpretationThree Margin Ratios Elevated Across Gross, Operating, And Net Levels
Novartis AG
1 interpretationThree Margin Ratios Elevated Across Gross, Operating, And Net Levels