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    Home»Small Cap Stocks»Beyond Blue Chips: 3 Singapore Stocks Paying More than Your CPF
    Small Cap Stocks

    Beyond Blue Chips: 3 Singapore Stocks Paying More than Your CPF

    Explore three small-cap Singapore dividend stocks paying more than CPF interest rates.
    Calvina L.By Calvina L.November 14, 20255 Mins Read
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    HRnetGroup
    Image credit: HRnetGroup
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    Every generation has its stand-out boy bands that rule the charts, from Backstreet Boys to One Direction.

    Just like the blue-chip classics in the market, they’ve earned their place in the spotlight.

    But as every music fan knows, there’s always a next wave of talent waiting to break out.

    These three Singapore small-cap stocks – each under S$1 billion in market cap – may not be household names yet, but their dividend yields are already outperforming your CPF Ordinary Account’s 2.5% and even the Special Account’s 4%.

    HRnetGroup (SGX: CHZ)

    HRnetGroup is an Asian recruitment powerhouse which operates across 18 cities with over 900 consultants, managing 20 brands including HRNetOne and RecruitFirst.

    The business model combines high-margin permanent placements with recurring contract staffing revenue.

    The company’s first-half 2025 results showed resilient execution despite hiring headwinds. 

    Revenue edged up 3.4% year on year (YoY) to S$295.5 million, driven by the Flexible Staffing segment’s 4.1% growth. 

    More impressively, net profit surged 29.2% to S$28.0 million, boosted by S$8.7 million in government grants and S$2.9 million in revaluation gains.

    The balance sheet remains fortress-like – completely debt-free with S$311.7 million in cash and treasury bills. 

    This financial strength enabled free cash flow generation of S$26.5 million, up 54.1% YoY.

    Geographic performance was mixed. 

    Taipei delivered a standout 16.9% revenue growth, while Singapore (63.7% of revenue) dipped 1.2% amid softer conditions. 

    Professional Recruitment faced headwinds with revenue down 3.3%, though senior executive search volumes grew 6.1%.

    Management declared an interim dividend of S$0.020 per share. 

    At S$0.74, HRnetGroup offers a trailing dividend yield of 5.5%, comfortably beating CPF returns while you wait for the hiring cycle to turn.

    Valuetronics Holdings (SGX: BN2)

    This electronics manufacturing services provider is successfully pivoting towards higher-margin opportunities in data centres and networking equipment. 

    The company operates two divisions: Industrial and Commercial Electronics (ICE), producing everything from automotive parts to cooling systems, and Consumer Electronics (CE), focused on audio and smart lighting products.

    Valuetronics’ first-half FY2026 results revealed a profitable transformation in progress. 

    While revenue dipped 3.0% YoY to HK$836.6 million, net profit climbed 2.7% to HK$93.0 million. 

    The secret? A margin expansion story.

    Gross margins jumped from 16.8% to 18.8% as the higher-margin ICE segment grew to 84.5% of total revenue.

    The ICE division is capturing new wins in network-access solutions and cooling systems for high-performance computing – perfectly timed for the AI infrastructure boom. 

    Meanwhile, management is deliberately phasing out low-margin legacy consumer products, expecting completion by FY2026’s end.

    Valuetronics declared total dividends of HK$0.08 per share (including a HK$0.04 special dividend), demonstrating confidence in cash generation. 

    The Vietnam facility provides additional strategic value for serving North American customers amid tariff uncertainties.

    At S$0.835, Valuetronics offers a 5.3% dividend yield while transitioning towards structurally higher margins – a transformation play that pays you to wait.

    Civmec (SGX: P9D)

    Civmec is an Australian construction and engineering specialist serving the energy, resources, infrastructure, and defence sectors from its Western Australian base. 

    The company’s integrated capabilities span heavy engineering, shipbuilding, modularisation, and site civil works, positioning it for large-scale industrial projects.

    The first quarter of FY2026 proved challenging as project timing issues bit. 

    Revenue fell 27.5% YoY to A$190.4 million, while net profit declined 30.9% to A$10.5 million. 

    Management attributed the weakness to delays in project awards and rescheduling, creating a temporary activity gap.

    However, the underlying business momentum remains intact. 

    Civmec’s order book stands at over A$1.15 billion, providing multi-year revenue visibility. 

    Recent wins include the CSBP Sodium Cyanide project and a major balance machine upgrade contract running through 2027. 

    The Eneabba Rare Earths Refinery work continues progressing.

    Importantly, management sees activity picking up in the second half of FY2026. 

    Tendering remains robust across all sectors, with extensive early contractor involvement on major projects – a positive leading indicator for future awards.

    The company paid its final FY2025 dividend of A$0.035 per share in October. 

    At S$1.13, Civmec yields 4.6%, offering patient investors exposure to Australia’s industrial capex cycle while collecting above-CPF returns.

    Get Smart: Small Caps, Big Yields Ahead

    These three under-the-radar Singapore stocks prove you don’t need blue-chip status to deliver blue-chip yields. 

    With dividends ranging from 4.6% to 5.5%, they’re all beating your CPF returns while positioning for sector recoveries.

    Sure, they face near-term headwinds from hiring slowdowns to project delays, but each maintains strong fundamentals: debt-free balance sheets, billion-dollar order books, or margin expansion stories.

    They may not be household names today, but they could be the underdog group that becomes the BTS of this generation – starting small but ultimately commanding the stage.

    What if you could collect a steady income from Singapore companies for decades to come? We found one in a near-duopoly with 70%+ market share that’s practically printing money. Our FREE small-cap report uncovers this “hidden monopoly” advantage (plus 4 other dividend powerhouses) that will keep paying no matter what the market does. Click here to grab your copy now.

    Follow us on Facebook, Instagram and Telegram for the latest investing news and analyses! 

    Disclosure: Calvina Lee does not own shares in any of the companies mentioned. Chin Hui Leong contributed to the article and owns shares of HRnetGroup.

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