MoneyMax Financial Services Ltd. (SGX:5WJ)
Singapore flag Singapore · Delayed Price · Currency is SGD
0.7600
+0.0150 (2.01%)
Last updated: Sep 4, 2026, 4:17 PM SGT

SGX:5WJ Financials Overview

Millions SGD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
624.71541.94390.07285.68253.49199.22
Revenue Growth
15.27%38.94%36.54%12.70%27.24%1.05%
Gross Profit
245.4205.49146.15110.4690.6870.23
Operating Income
164.8131.9385.3457.4144.6934.03
Net Income
94.5971.6938.2222.6722.0519.81
Earnings Per Share
0.110.080.040.030.020.02
EPS Growth
30.43%87.58%68.60%2.79%11.34%-2.82%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pawnbroking
163.98137.9599.49100.8883.3466.59
Retail and Trading of Gold and Luxury Items
477.52420.14294.48196.1184.76147.29
Secured Lending
23.6424.2528.6225.1117.2311.14
Others
0.450.420.560.50.612.19
Elimination
-40.86-40.83-33.08-36.91-32.45-27.99
Total
624.71541.94390.07285.68253.49199.22

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
34.332.3429.3822.9824.522.89
Total Debt
1,036883.16694.31547.12460.51369.2
Net Cash (Debt)
-1,002-850.83-664.93-524.15-436.02-346.31
Net Cash Growth
------
Net Cash Per Share
-1.12-0.96-0.75-0.59-0.49-0.39

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-302.5-177.98-71.21-46.69-45.64-66.31
Capital Expenditures
-3.38-1.62-1.81-3.13-4.53-2.16
Free Cash Flow
-305.88-179.59-73.01-49.82-50.16-68.47
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
39.28%37.92%37.47%38.67%35.77%35.25%
Operating Margin
26.38%24.34%21.88%20.09%17.63%17.08%
Pretax Margin
20.04%17.69%13.47%11.21%11.73%12.77%
Profit Margin
15.14%13.23%9.80%7.93%8.70%9.94%
FCF Margin
-48.96%-33.14%-18.72%-17.44%-19.79%-34.37%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.0150.0150.0140.0050.0050.005
Dividend Per Share Growth
0%7.14%180.00%0%4.17%2.13%
Dividend Yield
2.01%3.34%9.41%5.12%5.50%6.10%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
7.145.683.654.204.214.26
Forward PE
7.7034.6734.6734.6734.6734.67
PS Ratio
1.150.750.360.330.370.42