Simplywall.st is a stock research and portfolio tracking platform built in Sydney, Australia, back in 2014.

Instead of handing you a spreadsheet of ratios, it condenses a company's valuation, growth outlook, track record, balance sheet strength and dividend profile into one Snowflake chart with five arms.

It covers exchanges across the US, UK, Europe, Australia, Hong Kong, India and Singapore, among others.

The one thing I would flag straight away: the Snowflake Score is a mechanical read of the numbers, not a judgement call on management quality or a widening moat.

Treat it as a starting point, not the finish line.

I have actually featured Simplywall.st as one of the tools inside my free Your Ultimate Guide to Investing Tools ebook, alongside a couple of others I reach for regularly. If you want the fuller toolkit instead of just this one platform, that is worth a look too.

On the Singapore side, Simplywall.st covers the SGX names most retail investors already track: the Straits Times Index constituents, most REITs, and a fair chunk of the small and mid caps too.

Alongside its own Snowflake Score, it shows analyst price targets where they exist and a running tally of fair value estimates submitted by its own community of retail contributors. For a name like Singapore Exchange itself, that can mean dozens of independent estimates sitting next to the Snowflake Score, not just one number from one broker.

In plain terms, if a broker report is one analyst's opinion delivered as a PDF, Simplywall.st is closer to a running poll of opinions layered on top of the same underlying financial data. Neither replaces reading the actual filings yourself, but it is a faster way to see where the disagreement actually sits.

What is thinner is coverage of the smaller, less liquid Catalist counters. If a stock barely gets analyst attention here in Singapore, do not expect a rich Snowflake profile either. That says more about how little public data exists on those counters than it does about the platform.

Each of the five arms of the Snowflake chart is scored out of six, based on a fixed set of checks run against a company's financials, forecasts and share price:

A full, six-point snowflake lit up on every arm is rare, and it usually means the market has already noticed and priced the stock accordingly. A lopsided one, strong on financial health but weak on valuation for example, tells you exactly where to spend your own research time.

Simplywall.st runs a three-tier model: Free, Premium and Unlimited. All three cover Singapore Exchange stocks, so you are not locked outside the paywall just because a company does not carry a US listing.

On the actual dollar figures, Simplywall.st does not publish one flat number for every country, and the third-party reviews I checked while writing this landed anywhere from around US$120 to US$130 a year for Premium, and US$180 to US$260 a year for Unlimited.

Treat any number you see quoted, including mine, as a rough guide rather than gospel.

The reliable way to see what you would actually pay is to check Simplywall.st's current plans and pricing here, since it reflects your own region and any promo running at the time.

For most casual SGX investors, I would say the Free plan is enough to try the Snowflake Score on a handful of counters. Premium only earns its keep once you are actually tracking a real portfolio across more than one market, not just Singapore.

SGX runs its own free StockFacts portal for every listed company, so that is the obvious comparison for a Singapore investor deciding whether a paid research tool is worth adding.

The honest answer is you do not have to pick one over the other. StockFacts is where I go for the official, unfiltered numbers straight from SGX. Simplywall.st is where I go when I want to screen a stock quickly, or set it next to something listed in a completely different market, which StockFacts was never built to do.

My own read: Simplywall.st earns its place as a first stop when I am looking at a new stock, especially one outside Singapore, because it turns a wall of numbers into something I can scan in under a minute.

Where it falls short is anything qualitative. It cannot tell you whether management is capital-disciplined, whether a moat is genuinely widening, or whether a small-cap's orderbook is real or optimistic. That part stays on you.

Yes. The Free plan gives you 5 stock reports a month, one portfolio of up to 10 holdings, and three watchlists. It is enough to try the Snowflake Score before deciding whether Premium is worth paying for.

Yes. Simplywall.st covers Singapore Exchange listed companies, including the Straits Times Index constituents, most REITs, and a good number of small and mid caps, though coverage thins out on the smaller Catalist names.

No. It is a summary of five categories of financial data, not a recommendation. Market consensus on a stock can shift for reasons the score does not capture, so treat it as a starting point for your own research, not a verdict.

Simplywall.st is a research tool, not a brokerage, so it does not hold or restrict CPF or SRS money itself. Whether a specific stock is CPF or SRS eligible depends on your broker and the CPF and SRS rules, not on this platform, so check with your broker directly.

Pricing varies by region and by any promotion running at the time, and I saw different figures across the reviews I checked while writing this. Check Simplywall.st's own pricing page for the number that applies to you before signing up.

Premium gives you 30 stock reports a month, three portfolios and one full screener, plus broker sync. Unlimited removes the report and portfolio caps entirely and adds the Charlie AI assistant plus Excel and PDF export.

Yes, on both iOS and Android, with the same Snowflake Score and portfolio tracking as the web version.

SGX StockFacts is free and gives you the official numbers straight from the exchange, but no scoring or cross-market comparison. Simplywall.st adds the Snowflake Score, analyst targets and coverage of dozens of other markets, at a cost once you go past the Free tier.