This Singapore Fintech Just Crossed a Major Profit Milestone — and Plans to Raise Its Dividend by 25%

The Smart Investor03-16

It’s not every day a Singapore-listed fintech crosses the S$100 million net profit mark for the first time. But when it happens because three growth engines are firing in unison, dividend investors ...

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Here are five things you should know.","collect":0,"end_time":0,"defaultTopTitle":"thesmartinvestor.com.sg","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4585":"ETF&股票定投概念","BK6503":"金融科技概念","BK6052":"资产管理与托管银行","BK4159":"经销商","AUA.AU":"AUDEARA LTD","FTVI":"Fintech Acquisition Corp VI","CAGR":"California Grapes International, Inc.","BK4588":"碎股","BK7003":"消费电子产品","VIG":"股利增长指数ETF-Vanguard","AIY.SI":"奕丰集团"},"translate_title":"这家新加坡金融科技公司刚刚跨越了一个重要的利润里程碑，并计划将股息提高25%","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CAGR":1,"VIG":0.69,"AUA.AU":1,"FTVI":1.5,"AIY.SI":1},"content_text":"It’s not every day a Singapore-listed fintech crosses the S$100 million net profit mark for the first time. \n\nBut when it happens because three growth engines are firing in unison, dividend investors should sit up and pay attention — especially when management is guiding for at least a 25% increase in dividends for 2026.\n\nHere are five things to know about iFAST Corporation Limited‘s (SGX: AIY) landmark 2025 results.\n\n1. Net profit crosses S$100 million for the first time\nThe fintech delivered a landmark year, with net profit surging 50.1% year on year (YoY) to S$100 million. \n\nIt was the first time the group crossed the century mark.\n\nThe fourth quarter of 2025 (4Q2025) alone saw net profit leap 70.4% YoY to S$32.9 million, marking its strongest quarter on record.\n\nRevenue growth was broad-based too, with net revenue climbing 36.7% to S$339.6 million for the full year. \n\nOperating profit rose 43.3% to S$121.2 million.\n\nFor context, this is a company that was earning just S$21.2 million in net profit back in 2020. \n\nIn just five years, earnings have grown nearly fivefold.\n\n2. Assets under administration hit a record S$32 billion\nBehind the profit surge is a powerful flywheel: more assets attracting more investors, generating more fees.\n\nAssets under administration (AUA) hit a fresh record of S$31.98 billion, up 27.9% YoY. \n\nNet inflows also reached a record S$4.72 billion, a 43.1% jump that speaks to the platform’s growing pull with both retail investors and financial advisers.\n\nAll four geographic markets — Singapore, Hong Kong, Malaysia, and China — saw AUA reach new record highs, underscoring the broad-based nature of the growth.\n\nManagement is not resting on its laurels. \n\nThe group has set a target of S$100 billion in AUA by 2030, implying a compound annual growth rate (CAGR) of 25.6% over the next five years. \n\nThat’s an ambitious target, and execution risk remains a factor to watch.\n\n3. Hong Kong ePension continues to deliver\nHong Kong remained the powerhouse for the group, with the overall Hong Kong business — encompassing both wealth management and ePension — generating net revenue of HK$1 billion for 2025.\n\nProfit before tax for the Hong Kong business came in at HK$402 million, a 30.3% YoY increase that exceeded the group’s earlier target of more than HK$380 million.\n\n\nFor 2026, the group is targeting double-digit growth in both revenues and profitability for the overall Hong Kong business. \n\nThe ORSO pension administration business is expected to start contributing in the second half of 2026, while the Macau ePension business is slated for substantial growth.\n\n4. UK digital bank turns profitable for the first time\nA significant milestone came from the group’s UK-based digital bank, which achieved its first full year of profitability after swinging from a loss of S$4.4 million in 2024 to a profit of S$3.1 million in 2025.\n\nCustomer deposits grew 55.2% YoY to S$1.57 billion, providing a robust funding base for expanding lending and investment activities. \n\nThe bank also rolled out a debit card and a flexible cash ISA in early 2025 to deepen engagement with UK customers.\n\nWhile the turnaround is encouraging, the bank’s contribution to group profits remains modest. \n\nInvestors should watch whether this nascent business can scale meaningfully in the years ahead.\n\n5. Dividend raised 42% — with bold guidance for 2026\nFor dividend investors, the headline number is hard to miss: total dividends for 2025 rose 42.4% YoY to S$0.084 per share, up from S$0.059 in 2024.\n\nMore importantly, management has guided for total dividends of at least S$0.105 per share for 2026 — representing a minimum 25% increase from the 2025 payout. \n\nBased on a recent share price of S$8.53, the forward dividend yield comes in at approximately 1.2%.\n\nThe group also ended 2025 with a strong net cash position of S$611.2 million, providing a solid financial cushion to support its dividend ambitions alongside ongoing investments in growth.\n\nGet Smart: The Power of a Multi-Engine Growth Story\nWhat makes iFAST compelling for dividend investors isn’t just the 42.4% dividend increase — it’s the fact that the payout is backed by three distinct growth engines, each contributing at different stages of maturity. \n\nWhen a company’s dividend growth is driven by diversified sources of earnings rather than a single business line, it gives investors greater confidence that the payout can be sustained and grown over time. \n\nThe key question now is whether management can deliver on its ambitious targets for 2026 and beyond.\n\nYour dividends don’t care what you paid for the stock. But your total returns absolutely do. David Kuo is hosting a free webinar on 25 March to walk through how disciplined investors balance income needs with valuation discipline when blue chips get pricey. Register your free spot now.\n\nWhat if every stock trade in Singapore puts money in your pocket? One company earns whenever the market moves. Its free cash flow has grown close to 10% a year, and dividends are set to rise 40% over the next three years. Our free 2026 Dividend Playbook reveals this legal monopoly. Download it for free now.\n\nFollow us on Facebook, Instagram and Telegram for the latest investing news and analyses!\n\nDisclosure: The Smart Investor owns shares of iFAST.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.37.0","shortVersion":"4.37.0","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2619433908","isCrawlerRequest":true}