Luminor Financial Holdings Limited (SGX:5UA)

SGXC:5UA Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	71.89	88.06	98.74	80.87	67.38	40.94
Short-Term Investments	0.86	0.88	0.81	0.83	0.3	0.24
Trading Asset Securities	4.67	4.67	4.69	-	-	-
Cash & Short-Term Investments	77.41	93.6	104.23	81.7	67.68	41.18
Cash Growth	4.04%	-10.20%	27.58%	20.71%	64.36%	-36.66%
Accounts Receivable	156.43	167.38	151.35	92.11	47.83	38.72
Other Receivables	3.12	2.74	0.42	1.61	0.16	1.24
Receivables	163.71	173.6	152.53	95.08	50.08	41.82
Inventory	12.94	12.48	13.74	15.33	15.61	23.41
Prepaid Expenses	0.16	0.42	0.39	0.49	0.22	0.07
Other Current Assets	0.25	0.24	0.26	0.81	1.33	0.91
Total Current Assets	254.48	280.34	271.14	193.4	134.93	107.39
Property, Plant & Equipment	4.49	4.64	3.1	4.79	4.13	1.29
Long-Term Investments	-	-	-	8.51	4.79	0.02
Goodwill	1.94	1.94	1.99	2.08	0.6	0.6
Other Intangible Assets	2.9	4.34	7.38	5.15	0.02	0.04
Long-Term Accounts Receivable	1.05	1.18	0.65	0.97	-	-
Long-Term Deferred Tax Assets	0.07	0.07	0.4	0.36	0.2	0.61
Other Long-Term Assets	-	-	-	-	2.95	1.17
Total Assets	264.93	292.5	284.66	215.26	147.63	111.13

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	-	0.03	0.03	0	-
Accrued Expenses	6.39	7.43	5.66	4.68	2.94	2.61
Short-Term Debt	75.58	101.71	88.25	88.27	44.85	8.35
Current Portion of Long-Term Debt	62.87	80.12	92.95	8.8	-	-
Current Portion of Leases	0.94	1.11	1.17	1.18	1.05	0.4
Current Income Taxes Payable	21.26	21.31	21.99	23.04	22.71	22.26
Current Unearned Revenue	1.37	1.73	1.59	1	0.62	0.38
Other Current Liabilities	22.89	27.59	11.42	10.56	2.44	1.87
Total Current Liabilities	191.29	240.99	223.06	137.55	74.61	35.87
Long-Term Leases	3.99	4.36	1.96	3.39	4.2	-
Long-Term Deferred Tax Liabilities	1.97	1.14	2.63	2.79	2.67	1.92
Other Long-Term Liabilities	0.63	0.32	0.32	0.32	0.32	0.31
Total Liabilities	197.88	246.82	227.96	144.06	81.8	38.09

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	47.4	20.63	20.63	20.63	18.35	12.07
Retained Earnings	3.88	14.71	23.16	34.37	34.07	26.45
Comprehensive Income & Other	15.19	9.46	11.13	14.22	12.67	33.05
Total Common Equity	66.47	44.8	54.92	69.22	65.09	71.57
Minority Interest	0.58	0.88	1.78	1.99	0.73	1.47
Shareholders' Equity	67.05	45.68	56.7	71.2	65.82	73.04
Total Liabilities & Equity	264.93	292.5	284.66	215.26	147.63	111.13

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	143.37	187.3	184.32	101.64	50.1	8.74
Net Cash (Debt)	-65.96	-93.7	-80.09	-19.94	17.58	32.44
Net Cash Growth	-	-	-	-	-45.79%	-47.52%
Net Cash Per Share	-0.35	-0.56	-0.48	-0.12	0.12	0.22
Filing Date Shares Outstanding	334.87	167.44	167.44	167.44	167.44	144.73
Total Common Shares Outstanding	334.87	167.44	167.44	167.44	159.54	144.73
Working Capital	63.19	39.35	48.09	55.85	60.33	71.52
Book Value Per Share	0.20	0.27	0.33	0.41	0.41	0.49
Tangible Book Value	61.62	38.53	45.56	61.99	64.47	70.93
Tangible Book Value Per Share	0.18	0.23	0.27	0.37	0.40	0.49
Buildings	-	5.46	3.91	4.72	-	-
Machinery	-	3.43	3.3	2.5	2.27	1.02

Data Source: S&P Global Market Intelligence Last updated: Aug 13, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Sep 5, 2026

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