Luminor Financial Holdings Limited (SGX:5UA)

Singapore · Delayed Price · Currency is SGD

0.0360

0.00 (0.00%)

At close: Jul 21, 2026

SGXC:5UA Financials Overview

Financials in millions MYR. Fiscal year is January - December.

Millions MYR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	51.85	51.85	42.19	36.08	23.39	17.32
Revenue Growth	16.87%	22.89%	16.93%	54.26%	35.05%	-24.72%
Gross Profit	51.3	51.3	41.34	35.54	22.99	15.88
Operating Income	8.31	8.31	2.38	12.56	-1.89	0.14
Net Income	-8.45	-8.45	-11.21	0.3	7.62	-3.71
Earnings Per Share	-0.05	-0.05	-0.07	0.00	0.05	-0.03
EPS Growth	-	-	-	-96.47%	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Financial Solutions	49.08	49.08	42.58	29.23	20.42	14.41
Property	0.51	0.51	1.4	1.64	1.43	2.91
Total	49.59	49.59	43.98	30.87	21.85	17.32

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	93.6	93.6	104.23	81.7	67.68	41.18
Total Debt	187.3	187.3	184.32	101.64	50.1	8.74
Net Cash (Debt)	-93.7	-93.7	-80.09	-19.94	17.58	32.44
Net Cash Growth	-	-	-	-	-45.79%	-47.52%
Net Cash Per Share	-0.56	-0.56	-0.48	-0.12	0.12	0.22

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-20.95	-20.95	-62.44	-31.54	13.89	-33.12
Capital Expenditures	-0.19	-0.19	-0.2	-0.61	-1.63	-0.07
Free Cash Flow	-21.13	-21.13	-62.63	-32.14	12.26	-33.19
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	98.94%	98.94%	97.99%	98.51%	98.29%	91.70%
Operating Margin	16.02%	16.02%	5.64%	34.80%	-8.06%	0.79%
Pretax Margin	-7.35%	-7.35%	-15.29%	12.68%	72.77%	-1.86%
Profit Margin	-16.29%	-16.29%	-26.56%	0.82%	32.59%	-21.42%
FCF Margin	-40.76%	-40.76%	-148.45%	-89.09%	52.40%	-191.60%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	-	-	-	110.47	5.88	-
P/FCF Ratio	-	-	-	-	3.66	-
PS Ratio	0.73	0.40	0.75	0.90	1.92	2.58